| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to dispute inaccurate information on my credit report that has been reported by XXXXXXXX XXXX Specifically, XXXX XXXX has reported a charged off account which is a violation of the Fair Credit Reporting Act ( FCRA ) as defined by Sections 1681e and 1681i of the FCRA ( 15 U.S.C. 1681-1681x ), as well as other federal laws and regulations.
I am writing to dispute inaccurate information on my credit report that relates to my account with XXXXXXXX XXXX. The account information on my credit report is as follows : Account Number : XXXX Original Creditor : - Company Sold : LNMV Funding LLC Account Type : Unsecured Loan Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Charge-off Status Updated : XX/XX/XXXX Balance : {$0.00} Balance Updated : XX/XX/XXXX Original Balance : {$33000.00} Monthly Payment : - Past Due Amount : - Highest Balance : - Terms : 60 Months Responsibility : Individual I believe that the information listed above is inaccurate and unfairly damaging my credit score. I dispute this information on the grounds that XXXX XXXX has violated federal laws in their collection activities against me. Specifically, I believe that XXXXXXXX XXXX violated the following USC Codes : USC 1692e - False or misleading representations USC 1692f - Unfair practices USC 1681s-2 - Duties of furnishers of information to consumer reporting agencies USC 1692d - Harassment or abuse USC 1692c - Communication in connection with debt collection USC 1692b - Acquisition of location information USC 1692a - Definitions Furthermore, I have previously sent two certified letters to your offices, the first letter was for debt validation made pursuant to Title X 111-203q Sec. 809 ( b ) of the FDCPA. I respectfully requested that your offices provide me with competent evidence that I have any legal obligation to pay you. The second letter refers to Acceptance for Value and Counter Offer/Claim for Proof of Claim .
Despite my attempts to resolve this issue, XXXXXXXX XXXX has continued to violate my rights as a consumer. Specifically, I am troubled by the fact that you charged off my debt in XX/XX/XXXX, just a few months after opening the account in XX/XX/XXXX. This action violates USC 1692e, which prohibits false or misleading representations in connection with debt collection. I believe that charging off a debt so soon after it was opened is not only unfair but also misleading to consumers.
Additionally, XXXXXXXX XXXX sold my debt to LNMV Funding LLC on XX/XX/XXXX. According to my credit report, LNMV Funding LLC is reporting the account as seriously past due and assigned to an attorney, collection agency, or credit grantor 's internal collection department. This action violates USC 1692d, which prohibits harassment or abuse in connection with debt collection, and USC 1692c, which regulates communication in connection with debt collection.
I demand that XXXXXXXX XXXX take immediate action to correct the inaccurate information on my credit report and provide monetary relief for the damages caused by your violations. I request that XXXXXXXX XXXX pay me {$1000.00} per violation in accordance with the CFPB 's past cases where clients received monetary relief for similar violations.
Under the FCRA, consumer reporting agencies must follow certain procedures for reporting information about consumers ' creditworthiness including when reporting " charged off '' debts. Sections 1681e and 1681i of the FCRA require consumer reporting agencies to follow reasonable procedures to ensure the accuracy of consumer credit information and to promptly investigate disputes. Additionally, the FCRA allows for consumers to dispute inaccurate information on their credit reports and request corrections.
In XXXX, the Consumer Financial Protection Bureau ( CFPB ) took action against several large credit reporting agencies, including XXXXXXXX XXXX, for violations of the FCRA, resulting in millions of dollars in monetary relief for affected consumers. The CFPB alleged that these credit reporting agencies failed to maintain accurate information and failed to investigate disputes in a timely manner. As a victim of unfair debt collection practices, I am writing to express my concerns about the charge-off reporting on my credit report. Despite my numerous attempts to resolve the debt, XXXXXXXX XXXX has failed to respond to my requests for validation or to provide proof of the alleged debt. Instead, they charged off the debt and continued to report it to the credit bureaus, damaging my credit score and causing me financial hardship.
It is important to note that charging off a debt does not mean that the debt is forgiven or that the consumer is no longer liable for the debt. Charging off a debt simply means that the lender has written off the debt as uncollectible and has claimed it as a loss on their tax return. However, the debt remains on the consumer 's credit report and can continue to be reported by the lender, causing significant harm to the consumer 's credit score and financial reputation.
Furthermore, the decision to charge off a debt should only be made after the lender has exhausted all other efforts to collect the debt, including sending validation of the debt, negotiating payment arrangements, and pursuing legal action if necessary. In my case, XXXXXXXX XXXX failed to provide any validation of the debt, refused to negotiate payment arrangements, and instead pursued legal action against me without providing proof of the debt.
This is a clear violation of several federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from making false or misleading statements and from using unfair or abusive practices to collect a debt. Additionally, the Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer 's credit report be accurate, verifiable, and complete. Reporting a charge-off without proper validation or documentation violates these laws and can result in significant damages to the consumer.
I am requesting that XXXXXXXX XXXX take immediate action to remove the charge-off from my credit report, provide proof of the alleged debt, and compensate me for any damages incurred as a result of their unfair and illegal debt collection practices. I am also requesting that they stop all legal action against me until the debt has been properly validated and resolved.
Due process is a constitutional right that guarantees individuals fair treatment under the law. In my case, I reached out to XXXXXXXX XXXX. multiple times via certified mail to remedy my accounts and provide debt validation, but they failed to respond. This lack of response is a violation of my due process rights, as it denies me the opportunity to address and resolve any issues with my accounts.
The USC code that pertains to this violation is USC 1692g, which requires debt collectors to provide consumers with written validation of the debt within five days of initial contact. Failure to provide validation can result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and may entitle the consumer to statutory damages.
Furthermore XXXXXXXX XXXX. charged off my debt and reported it to credit bureaus, which has negatively impacted my credit score and reputation.
This reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and creditors report accurate and complete information. Charging off a debt does not relieve a creditor of the responsibility to report the accurate status of the account.
The USC code that pertains to this violation is USC 1681s-2 ( a ), which states that furnishers of information to credit reporting agencies must provide accurate and complete information. Violations of this section can result in liability for actual and punitive damages, as well as attorney 's fees and costs.
I encourage the CFPB to take action against XXXX XXXX for their illegal and unethical practices. It is unacceptable for a financial institution to take advantage of consumers in this manner, and I hope that my case will serve as a warning to others who may be experiencing similar issues.
In addition to FCRA violations, XXXX XXXX has also violated other federal laws and regulations, including the Privacy Act of 1974 ( 5 U.S.C. 522a ), the Gramm-Leach-Bliley Act ( 15 USC 1681, 15 USC 6801-6809 ), the Code of Federal Regulations ( CFR 313.1-313.7, 16 CFR 433.2-433.3 ), and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692-1692p ). XXXXXXXX XXXX has also failed to adequately protect my personal information, which is a violation of the Identity Theft and Assumption Deterrence Act of 1998 ( 18 U.S. Code 1028 ).
FCRA : Actual damages : Any financial loss or harm suffered by the consumer as a result of the inaccurate information reported by the credit reporting agency, such as denial of credit, higher interest rates, or loss of employment.
Punitive damages : Additional damages awarded to punish the credit reporting agency for willful or negligent violations of the FCRA.
Statutory damages : A fixed amount of damages awarded to the consumer for each violation of the FCRA, regardless of whether any actual harm was suffered. The amount of statutory damages can range from {$100.00} to {$1000.00} per violation, depending on the nature and severity of the violation.
Examples of FCRA violations that can result in damages include : XXXX. Reporting inaccurate information on the consumer 's credit report, such as a charged off account that has been paid in full or a debt that does not belong to the consumer.
XXXX. Failing to correct inaccurate information on the consumer 's credit report after receiving a dispute from the consumer.
XXXX. Failing to conduct a reasonable investigation of a consumer dispute.
XXXX. Continuing to report inaccurate information on the consumer 's credit report even after being informed of the inaccuracy.
USC codes related to the FCRA : Sections 1681e and 1681i of the FCRA 15 U.S.C. 1681-1681x USC codes related to the FDCPA : 15 U.S.C. 1692-1692p USC codes related to the TILA : 15 U.S.C. 1601-1667f FDCPA : Actual damages : Any financial loss or harm suffered by the consumer as a result of the debt collector 's actions, such as lost wages or medical expenses.
Statutory damages : A fixed amount of damages awarded to the consumer for each violation of the FDCPA, regardless of whether any actual harm was suffered. The amount of statutory damages can range from {$100.00} to {$1000.00} per violation, depending on the nature and severity of the violation.
Attorney 's fees : If the consumer prevails in a lawsuit against the debt collector, the court may order the debt collector to pay the consumer 's attorney 's fees.
Examples of FDCPA violations that can result in damages include : Harassing or abusive language used by the debt collector, such as threats of violence or using profanity.
XXXX. Falsely representing the amount or nature of the debt owed.
XXXX. Falsely representing that the debt collector is an attorney or government representative.
XXXX. Failing to validate the debt within 30 days of the initial contact with the consumer.
TILA : Actual damages : Any financial loss or harm suffered by the consumer as a result of the creditor 's failure to disclose required information, such as hidden fees or incorrect interest rates.
Statutory damages : A fixed amount of damages awarded to the consumer for certain violations of the TILA, regardless of whether any actual harm was suffered. The amount of statutory damages can range from {$400.00} to {$4000.00} per violation, depending on the nature and severity of the violation.
Rescission : The right of the consumer to cancel certain types of loans within a specified period of time if the creditor fails to provide the required disclosures.
Examples of TILA violations that can result in damages include : XXXX. Failing to provide the consumer with a written disclosure of the finance charge, annual percentage rate ( APR ), and other important terms of the loan.
XXXX. Failing to provide the consumer with a right of rescission for certain types of loans, such as home equity loans.
Misrepresenting the terms or conditions of the loan, such as falsely stating that the loan has a fixed interest rate when it actually has a variable rate.
There have been several recent case studies where the CFPB has awarded monetary relief to consumers for violations of the FCRA and other relevant laws. In XXXX, XXXX, XXXX, and XXXX agreed to pay a combined {$26.00} XXXX in restitution to affected consumers for FCRA violations. In XXXX, the CFPB ordered XXXX XXXX XXXX XXXX to pay {$1.00} XXXX in restitution to affected consumers for violations of the Electronic Fund Transfer Act and Regulation E.
XXXX appears to be in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692-1692p ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601-1667f ). The FDCPA prohibits debt collectors from using false, deceptive, or misleading representations or means in connection with the collection of any debt. The TILA requires creditors to provide certain disclosures about the terms and conditions of a consumer credit transaction. Failure to comply with these laws can result in monetary damages and statutory penalties.
Under the FCRA, consumer reporting agencies must follow certain procedures for reporting information about consumers ' creditworthiness, including when reporting " charged off '' debts. Sections 1681e and 1681i of the FCRA require consumer reporting agencies to follow reasonable procedures to ensure the accuracy of consumer credit information and to promptly investigate disputes. Violations of the FCRA can result in actual damages, punitive damages, and attorney fees.
Examples of damages related to FCRA violations include : XXXX. Denial of credit or employment XXXX. Higher interest rates on loans XXXX. Increased insurance premiums XXXX. Emotional distress and loss of enjoyment of life XXXXXXXX XXXX inaccurate reporting of the charged off account on your credit report is a violation of the FCRA. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) took action against several large credit reporting agencies, including XXXX XXXX, for violations of the FCRA, resulting in millions of dollars in monetary relief for affected consumers. The CFPB alleged that these credit reporting agencies failed to maintain accurate information and failed to investigate disputes in a timely manner.
The FDCPA, which is enforced by the Federal Trade Commission ( FTC ), protects consumers from abusive debt collection practices. 15 U.S.C. 1692-1692p outline the regulations that debt collectors must follow. Violations of the FDCPA can result in actual damages, statutory damages, and attorney fees.
Examples of damages related to FDCPA violations include : XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair or unconscionable practices The Truth in Lending Act ( TILA ) is a federal law that requires creditors to disclose certain information to borrowers, including the annual percentage rate ( APR ), finance charges, and the total cost of credit. 15 U.S.C. 1601-1667f outline the regulations that creditors must follow. Violations of the TILA can result in actual damages, statutory damages, and attorney fees.
XXXX. Examples of damages related to TILA violations include : XXXX. Payment of excessive fees XXXX. Overcharging for credit XXXX. Failure to disclose required information It is possible that XXXXXXXX XXXX actions, including the terms of the credit card agreement and any fees charged, may constitute violations of the TILA.
The Privacy Act of 1974 ( 5 U.S.C. 522a ) is a federal law that governs the collection, maintenance, use, and dissemination of personal information by federal agencies. It also provides individuals with certain rights to access and amend their own records. Violations of the Privacy Act can result in actual damages, punitive damages, and attorney fees.
XXXXXXXX XXXX failure to adequately protect your personal information, which was disclosed in the complaint, may constitute a violation of the Privacy Act.
In conclusion XXXX XXXX inaccurate reporting of the charged off account and the actions of the XXXX XXXX XXXX may have violated several federal laws, including the FCRA, FDCPA, TILA, and Privacy Act.
These violations may have resulted in actual damages, statutory damages, and attorney fees I would like to emphasize the emotional distress and financial hardship that XXXXXXXX XXXX and the XXXX XXXX XXXX have caused me and my family. The inaccurate reporting of the charged off debt has negatively impacted my credit score and financial standing, making it difficult for me to obtain credit or loans, which has caused significant stress and anxiety.
Furthermore, the burden of defending against a lawsuit and potentially paying for damages and legal fees has taken a toll on me and my family. This has prevented me from investing in new business ventures or pursuing other opportunities that would have helped improve my financial situation.
I strongly urge XXXXXXXX XXXX and the XXXX XXXX XXXX to correct any inaccurate information related to the charged off debt and to provide me with a written explanation of the investigation and resolution of any disputes. I also request that they provide me with a copy of my credit report and any information related to the charged off debt that has been provided to third parties.
XXXXXXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and misleading information to credit reporting agencies. Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), XXXX XXXX has a duty to provide accurate and complete information to credit reporting agencies. However, the data provided clearly shows that XXXXXXXX XXXX has reported inaccurate and false information regarding my accounts, including the status and amount of the debt owed. This has resulted in significant harm to my credit score and overall financial standing.
Additionally, XXXXXXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in abusive and harassing behavior towards me. Pursuant to 15 U.S.C. 1692d, debt collectors are prohibited from engaging in conduct that is intended to harass, oppress, or abuse any person. However, the data provided shows that XXXXXXXX XXXX has engaged in repeated and aggressive phone calls and letters, despite my requests to cease such communication. This conduct has caused significant emotional distress and anxiety for me and it has affected my cognitive abilities to focus on daily task and functioning.
Furthermore, XXXXXXXX XXXX has violated the Truth in Lending Act ( TILA ) by failing to disclose important information regarding my account. Pursuant to 15 U.S.C. 1638 ( a ) ( 2 ), creditors are required to disclose the finance charge, annual percentage rate ( APR ), and other important terms and conditions of a credit account. However, the data provided shows that XXXXXXXX XXXX failed to disclose certain fees and charges associated with the account, resulting in unexpected and excessive charges.
Finally, XXXXXXXX XXXX has violated 18 U.S.C. 242 by engaging in conduct that constitutes a color of law violation. Pursuant to this statute, it is illegal for any person, acting under color of law, to deprive another person of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States. The data provided shows that XXXXXXXX XXXX has engaged in deceptive and unfair practices, this resulted in reporting inaccurate information to credit reporting agencies, engaging in abusive debt collection practices, and failing to disclose important information regarding his account. These practices have deprived me of my rights to fair and accurate credit reporting, protection from abusive debt collection practices, and full disclosure of the terms and conditions of his account.
In light of these violations, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate XXXXXXXX XXXX to conduct and take appropriate action to hold them accountable for their actions. I deserve fair and just treatment, and it is imperative that financial institutions such as XXXXXXXX XXXX are held to the highest standards of fairness, transparency, and accountability.
Lastly, I have not given consent for XXXXXXXX XXXX to share my personal information with third-party companies, yet I have received numerous calls and emails from companies claiming to have received my information from XXXXXXXX XXXX XXXX This is a clear violation of the Gramm-Leach-Bliley Act ( GLBA ), which requires financial institutions to safeguard their customers ' personal information. I have experienced unprofessional behavior from XXXXXXXX XXXX representatives. When attempting to resolve issues with my account, I have been met with hostility and condescension. This is not only disrespectful, but it is also a violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
Furthermore, I have been provided with deceptive contract terms and language. The terms and conditions presented to me were confusing and intentionally misleading. This violates USC codes 15 U.S. Code 41, which prohibits unfair or deceptive acts or practices in commerce.
Overall, these actions by XXXXXXXX XXXX have caused significant harm to me and my financial situation, and I urge the CFPB to take swift action against them. I request that the CFPB hold XXXXXXXX XXXX accountable for violating the XXXX, XXXX, FDCPA, XXXX, XXXX 15 U.S. Code 41, and GLBA. Additionally, I request that I receive monetary relief and account remedy for the harm caused to me and my family.
I am writing to express my deep concern regarding the treatment I have received from your company. Despite my efforts to remedy the issues with my account, I have not received any satisfactory resolution. I have contacted your company via certified mail on two separate occasions, yet I have not received any response or action regarding my concerns.
Furthermore, I have requested debt validation and acceptance for value and counteroffer/claim for proof of claim, but your company has failed to provide me with any evidence or documentation to support their claims against me. This is a clear violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
I believe that your company has committed several violations of the USC codes, including USC 15 1692 et seq. and USC 12 5536, which prohibit unfair, deceptive, or abusive acts or practices in consumer financial products or services.
In addition, your company 's actions have caused me significant financial and emotional damages. I have experienced unauthorized overdraft fees, unprofessional behavior from XXXXXXXX XXXX representatives, and deceptive contract terms and language. These actions are also a violation of USC codes 15 U.S. Code 41 and the Gramm-Leach-Bliley Act, which requires financial institutions to safeguard their customers ' personal information.
I would like to urge your company to take immediate action to remedy my accounts and provide me with monetary relief for the damages I have incurred. I am also requesting that you provide me with documentation that supports the claims made against me, as well as evidence of the credit card agreement that was allegedly entered into on XX/XX/XXXX.
Furthermore, I would like to draw your attention to the issue of language fraud, which is a violation of USC 18 1343. Your company has created a security in my name and made an XXXX out of my name without my knowledge or consent. This is a clear violation of my rights and is a form of language fraud.
USC Codes related to my case : 1. USC 15 1692 et seq.
2. USC 12 5536 3. USC 15 U.S. Code 41 4. Gramm-Leach-Bliley Act 5. USC 18 1343 I have recently discovered that XXXXXXXX XXXX has created a security in my name and made an XXXX out of my name, XXXX XXXX XXXX, without my knowledge or consent. This is a clear violation of the U.S. Code, specifically USC Title 15, Chapter 2D, Section 78c, which defines what constitutes a security. It is also a violation of my privacy and personal rights.
As a valued customer of XXXXXXXX XXXX, I expect transparency and respect when it comes to my personal information and financial accounts. It is concerning to me that this security was created without my knowledge or consent, and I request immediate action to remedy this situation.
I kindly ask that you provide me with a detailed explanation of how this security was created and what steps will be taken to correct this issue. Additionally, I request that you provide me with any and all documentation related to this security and LLC.
I trust that you will take this matter seriously and work to resolve this issue in a timely and efficient manner. Thank you for your attention to this matter.
I have not given consent for XXXXXXXX XXXX to share my personal information with third-party companies, yet I have received numerous calls and emails from companies claiming to have received my information from XXXX XXXX XXXX This is a clear violation of the Gramm-Leach-Bliley Act ( GLBA ), which requires financial institutions to safeguard their customers ' personal information. I have experienced unprofessional behavior from XXXX XXXX representatives. When attempting to resolve issues with my account, I have been met with hostility and condescension. This is not only disrespectful, but it is also a violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
Furthermore, I have been provided with deceptive contract terms and language. The terms and conditions presented to me were confusing and intentionally misleading.
This violates USC codes 15 U.S. Code 41, which prohibits unfair or deceptive acts or practices in commerce.
Overall, these actions by XXXXXXXX XXXX have caused significant harm to me and my financial situation, and I urge the CFPB to take swift action against them. I request that the CFPB hold XXXX XXXX accountable for violating the EFTA, TISA, FDCPA, CFPA, USC 15 U.S. Code 41, and GLBA. Additionally, I request that I receive monetary relief and account remedy for the harm caused to me and my family.
XXXX XXXX XXXX XXXX I am writing to express my deep concern regarding the treatment I have received from your company. Despite my efforts to remedy the issues with my account, I have not received any satisfactory resolution. I have contacted your company via certified mail on two separate occasions, yet I have not received any response or action regarding my concerns.
Furthermore, I have requested debt validation and acceptance for value and counteroffer/claim for proof of claim, but your company has failed to provide me with any evidence or documentation to support their claims against me. This is a clear violation of the Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
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| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/1972 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
CACH LLC/RESURGENT CAPITOL SERVICES XXXX XXXXXXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX 1XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX.
XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 11/17/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I do not and have not contracted with Resurgent Capital Services or their affiliates. I have never given Resurgent Capital Services or their affiliates permission to contact me. On XXXX, XX/XX/2023 at XXXX XXXX, Resurgent Capital Services and employee XXXX emailed me at my personal email address regarding an alleged debt. The email states that there is an alleged debt of {$960.00} that was purchased by Resurgent Receivables LLC and is being managed by Resurgent Capital Services. There was nothing in the communication that gave me the option to dispute the debt. On XXXX, XX/XX/2023, at XXXX XXXX, another email communication was sent from Resurgent Capital Services and XXXX stating that financial peace of mind will be only a few clicks away, still with no option to dispute the alleged debt. Another email communication was sent from Resurgent Capital Services and XXXX on, XX/XX/2023, at XXXX XXXX, asking to me to help Resurgent understand my financial situation, all while attempting to collect the alleged debt, but not giving me an option to dispute. On XX/XX/2023, at XXXX XXXX, I received another email communication from Resurgent Capital Services and XXXX, advising of my options to pay the alleged debt, still to no surprise, there was no way to dispute the debt. On XX/XX/2023, at XXXX, I also received a text message from XXXX Resurgent Debt Collector, welcoming me. The text messages continued on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2023 from Resurgent Debt Collector, stating that I could resolve the account.
On XX/XX/2023, I received an email from what you have listed as the original creditor, XXXX XXXX XXXX, XXXX, stating that the credit card account was sold to and assigned to the new account owner : Resurgent Receivables, LLC c/XXXX Resurgent Capital Services , XXXX.
On XX/XX/2023, I received a letter from Resurgent Capital Services, stating that my account had a new home, and that my private information was being shared and collected by affiliate companies. The letter finally included a way that I could dispute the alleged debt.
Email communications have taken place on these dates requesting payment on the alleged debt : XX/XX/XXXX at XXXXXXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX The email communications come almost daily to my personal email at all inconvenient times and places.
On XX/XX/2023, I mailed a letter certified to Resurgent Capital Services and the CEO XXXX XXXX advising that I dispute the alleged debt, but also advising XXXX XXXX, that his company has failed to comply with the Fair Debt Collections Practices Act, causing me to be violated as a federally protected consumer.
I have been harrassed since the first email communication and during the validation period of this alleged debt. I have missed countless hours of my daily life, because of the stress this has caused me.
Under XXXX2 Cfr 1006.6 ( b ) ( 1 ) ( i ) it is required that a debt collector must not communicate or attempt to communicate with a consumer in connection with the collection of any debt : at any unusual time.
Under 12 cfr 1006.6 ( b ) ( 1 ) ( ii ) is required that a debt collector must not communicate or attempt to communicate with a consumer in connection with the collection of any debt.
Under 12 cfr 1006.6 ( d ) ( 4 ) ( C ) it is required that before the debt collector used the email address to communicate with the consumer about the debt, the creditor sent the consumer a written or electronic notice, to an address the creditor obtained from the consumer and used to communicate with the consumer about the account, that clearly and conspicuously dislosed : that the debt has been or will be transferred to the debt collector ; the email address and the fact that the debt collector might use the email address to communicate with the consumer about the debt ; that if others have access to the email address, then it is possible they may see the emails ; instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and the date by which the debt collector or the creditor must receive the consumers request to opt out, which must be at least 35 days after the date the notice is sent ; the opt-out period provided under this section has expired and the consumer has not opted out ; and the email address has a domain name that is available for use by the general public, unless the debt collector knows the address is provided by the consumers employer.
Under 12 cfr 1006.6 ( d ) ( 5 ) it is required that a debt collector may send a text message to a telephone number if : The consumer used the telephone number to communicate with the debt collector about the debt by text message, the consumer has not since opted out of text message communications to that telephone number, and within the past 60 days either : The consumer sent the text message described in paragraph ( d ) ( 5 ) ( i ) of this section or a new text message to the debt collector from that telephone number ; or ( B ) The debt collector confirmed, using a complete and accurate database, that the telephone number has not been reassigned from the consumer to another user since the date of the consumers most recent text message to the debt collector from that telephone number ; or ( ii ) The debt collector received directly from the consumer prior consent to use the telephone number to communicate with the consumer about the debt by text message, the consumer has not since withdrawn that consent, and within the past 60 days the debt collector either : ( A ) Obtained the prior consent described in paragraph ( d ) ( 5 ) ( ii ) of this section or renewed consent from the consumer ; or ( B ) Confirmed, using a complete and accurate database, that the telephone number has not been reassigned from the consumer to another user since the date of the consumers most recent consent to use that telephone number to communicate about the debt by text message.
Under 12 cfr 1006.10 ( b ) it is required that a debt collector communicating with a person other than the consumer for the purpose of acquiring location information must : ( 1 ) identify himself or herself individually by name, state that he or she is confirming or correcting the consumers location information, and, only if expressly requested, identify his or her employer; ( 2 ) not state that the consumer owes any debt ; not communicate by postcard ; not use any language or symbol on any envelope or in the contents of any communication by mail indicating that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 5 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond to the debt collectors communication within a reasonable period of time.
Under 12 cfr 1006.10 ( C ), requires that in addition to complying with 12 cfr 1006.14 ( b ) ( 1 ), a debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer must not communicate more than once with such person unless requested to do so by such person, or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information.
Under 12 CFR 1006.14 ( a ) it is required that a debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section. Violation of 15 USC 1692d, Under 12 CFR 1006.14 ( d ) it is required that a debt collector must not use obscene or profane language, or language the natural consequence of which is to abuse the hearer or reader.
Under 12 CFR 1006.18 ( a ) it is required that a debt collector must not use any false, deceptive, misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
Under 12 CFR 1006.18 ( b ) ( 1 ) ( iv ) requires that a debt collector must not falsely represent or imply that the consumer committed any crime or other conduct in order to disgrace the consumer.
12 CFR 1006.18 ( b ) ( 2 ) ( i ) ( ii ), requires that a debt collector must not falsely represent the character, amount, or legal status of any debt.
12 CFR 1006.18 ( c ) ( 4 ) requires that a debt collector must not use any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
12 CFR 1006.18 ( d ) requires that a debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
12 CFR 1006.22 ( a ) requires that a debt collector must not use unfair or unconscionable means to collect or attempt any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.
12 CFR 1006.22 ( b ) requires that a debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( interest, fee, charge, or expense incidental to the principal obligation.
12 CFR 1006.22 ( f ) ( 2 ) requires that a debt collector must not use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by mail, except that a debt collector may use the debt collectors business name on an envelope if such name does not indicate that the debt collector is in the debt collection business.
12 CFR 1006.30 ( e ) requires that a debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other that the consumers creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor.
12 CFR 1006.34 ( b ) ( 3 ) requires that the itemization date means any one of the following five reference dates for which a debt collector can ascertain the amount of debt ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; ( ii ) The charge-off date, which is the date the debt was charged off ; ( iii ) The last payment date, which is the date the last payment was applied to the debt ; ( iv ) The transaction date, which is the date of the transaction that gave rise to the debt ; or The judgment date, which is the date of a final court judgment that determines the amount of the debt owed by the consumer.
12 CFR 1006.34 requires that a debt collector must provide the following validation information.
1. Debt collector communication disclosure. The statement required by 1006.18 ( e ).
2. Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumers name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt.
( 3 ) Information about consumer protections.
( i ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment.
( ii ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer requests in writing on or before that date the name and address of the original creditor, the debt collector must cease collection of the debt until the debt collector sends the consumer the name and address of the original creditor, if different from the current creditor.
( iii ) The date that the debt collector will consider the end date of the validation period and a statement that, unless the consumer contacts the debt collector to dispute the validity of the debt, or any portion of the debt, on or before that date, the debt collector will assume that the debt is valid.
( iv ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), a statement that informs the consumer that additional information regarding consumer protections in debt collection is available on the Bureaus website at www.cfpb.gov/debt-collection.
( v ) If the debt collector sends the validation notice electronically, a statement explaining how a consumer can, as described in paragraphs ( c ) ( 4 ) ( i ) and ( ii ) of this section, dispute the debt or request original-creditor information electronically.
4. ( 4 ) Consumer-response information. The following information, segregated from the validation information required by paragraphs ( c ) ( 1 ) through ( 3 ) of this section and from any optional information included pursuant to paragraphs ( d ) ( 3 ) ( i ), ( ii ), ( iii ) ( A ), ( iv ), ( v ), ( vi ) ( A ), ( vii ), and ( viii ) of this section, and, if provided on a validation notice, located at the bottom of the notice under the headings, How do you want to respond? and Check all that apply : : ( i ) Dispute prompts. The following statements, listed in the following order, and using the following phrasing or substantially similar phrasing, each next to a prompt : ( A ) I want to dispute the debt because I think : ; ( B ) This is not my debt. ; ( C ) The amount is wrong. ; and ( D ) Other ( please describe on reverse or attach additional information ).
( ii ) Original-creditor information prompt. The statement, I want you to send me the name and address of the original creditor., using that phrase or a substantially similar phrase, next to a prompt.
( iii ) Mailing addresses. Mailing addresses for the consumer and the debt collector, which are the debt collectors and the consumers names and mailing addresses as disclosed pursuant to 1006.34 ( c ) ( 2 ) ( i ) and ( ii ).
( 5 ) Special rule for certain residential mortgage debt. For residential mortgage debt, if a periodic statement is required under Regulation Z, 12 CFR 1026.41, at the time a debt collector provides the validation notice, a debt collector need not provide the validation information required by paragraphs ( c ) ( 2 ) ( vi ) through ( viii ) of this section if the debt collector : ( i ) Provides the consumer, in the same communication with the validation notice, a copy of the most recent periodic statement provided to the consumer under Regulation Z, 12 CFR 1026.41 ( b ) ; and ( ii ) Includes on the validation notice, where the validation information required by paragraphs ( c ) ( 2 ) ( vi ) through ( viii ) of this section would have appeared, a statement referring to that periodic statement.
Under 12 CFR 1006.38 ( b ) ( 1 ) prohibits during the validation period, a debt collector must not engage in any collection activities or communications that overshadow or are inconsistent with the disclosure of the consmers rights to dispute the debt and to request the name and address of the original creditor.
The alleged debt that Resurgent Capital Services is attempting to collect on was paid to XXXX XXXX XXXX, XXXX. when my credit card was given on the application that was made.
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| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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FACT, the truth in lending act is intended to inform consumers about the cost of credit.
FACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.
FACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) XXXX Is in violation of 15 USC 1692 ( C ) ( A ) a debt collector may not communicate with a consumer in connection with the collection of any debt.
FACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) that XXXX is in violation of 15 USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section.
IN TRUTH I XXXX XXXX FEEL OPRESSED AND ABUSED AS LVNV AND ITS AFILIATES HAVE SENT ME 3 LETTERS WITH DIFFERENT AFFILIATES ( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt.
Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt.
abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy.
communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is afteXXXX XXXX o'clock and before XXXX o'clock post meridiem.
A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications.
And for these reasons under the law, you have violated my rights several times. I've never had any contract or have NEVER done business with your company, nor will I ever do business with your company, I ask that you validate this dept I need the date and time this account was opened, all documentation concerning this account, any signatures in my specific hand writing the date closed and the date that this account was charged off also I didnt give you my express written permission to contact the credit bureaus about this account under the FCRA 15 USC 1681 A ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITY WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY 15 USC 1681 A permissible purpose of Consumer Reports and the general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates. collectors are not allowed to contact third parties to discuss a debt unless they will give him express consent by the debtor the only reason they may legally contact a third party is to attempt to locate the individual who owns the payment they may also not contact repeatedly or harass these third parties you guys at XXXX XXXX XXXX are in clear violation of my rights as a consumer I gave no written instruction two you guys to write anything on my credit report therefore you have 5 business days from the receipt of this affidavit to remove any remarks that you have put on my credit report and delete it expeditiously if you do not remove any remark that you have placed on my consumer report you will have to pay me {$5000.00} for not following the instructions in this affidavit and within those five business days I expect to receive all the documentation regarding this account which is clearly not mine 18 U.S.C 8 OBLIGATION OR OTHER SECURITY OF THE UNTIED STATES DEFINED The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
15 U.S.C. 1666b timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
In truth I XXXX XXXX have never received any statement in paper I always needed to request a statement and it would be sent electronically through email.
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
There is no such thing as a late payment, the laws are clear on this!
15 U.S.C. 1666d treatment of credit balances.
Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account.
( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the Please explain to me why I am paying for a dept that the United States has already paid as my trustee? I am requesting a full refund on any balances owed for the company 's listed and this affidavit I'm also requesting {$1000.00} for each violation set forth and this affidavit XXXX XXXX XXXX must pay for every violation of my rights enclosed is the invoice and to send the money for every violation under the fair credit reporting act all balances for any of the companies listing should be returned to me via check to the address listed 15 U.S.C 1692j furnishing certain deceptive forms.
( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( c ) LIMITS ON REUSE OF INFORMATION Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) LIMITATIONS ON THE SHARING OF ACCOUNT NUMBER INFORMATION FOR MARKETING PURPOSES A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) GENERAL EXCEPTIONS Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; 15 U.S.C 6803 Disclosure of institution privacy policy ( a ) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) REGULATIONS Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.
( c ) INFORMATION TO BE INCLUDED The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to
whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.
( d ) EXEMPTION FOR CERTIFIED PUBLIC ACCOUNTANTS ( 1 ) IN GENERAL, the disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant.
( B ) certified or licensed for such purpose by a State; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.
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| 03/23/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.
Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; Makes a false representation of the character of the herein above-referenced alleged debt ; Makes a false representation of the legal status of the herein above-referenced alleged debt ; Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : Voluntarily report this account to all credit bureaus as paid as agreed ; and, Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, The matter regarding the alleged debt is finally and totally settled ; and, Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, Voluntarily report the date of last activity on this account is the date of this notice.
Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$8200.00} ) which equals ( {$24000.00} ) ; and, XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent.
This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.
Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor You are the second party that has written a letter purporting to represent, or have as your client, ORIGINAL CREDITOR, the first was not registered as a debt collector in Florida and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ...
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
Alleged Name and Address of Creditor Name on File of Alleged Debtor : Alleged Account # : Amount of alleged debt : Date that this alleged debt became/becomes payable : Date of original charge off or delinquency : Amount paid if debt was purchased : Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
Provide verification from the stated creditor that you are authorized to act for them.
Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Disputing the Debt,
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| 05/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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RE : XXXX XXXX XXXX XXXX XXXX Corporate Headquarters : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX XXXX, XXXX. Global Headquarters XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX.
XXXX : Date Approved : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX On XX/XX/XXXX I opened a XXXX XXXX credit card online and purchased a XXXX XXXX XXXX toothbrush for {$79.00} and another item that was returned. I received a credit card number online at point of purchase with a credit limit of {$1900.00}. I never received an actual credit card, however.
In XXXX, I received an initial bill with {$6.00} due on the first payment as a result of the return. At this time, I attempted to establish an online account to make payments, as I had with all my other recurring credit card, utility, mortgage, and other accounts. However, contacting and working with XXXX was an unusually confusing and unprofessional experience where I was referred to various departments and back and forth between XXXX and XXXX. Finally, I was told that neither XXXX nor XXXX could validate my account or even who I was, and had no record of my credit card account number.
Frustrated with this ridiculous process and waste of time, I set the bill and issue aside thinking that it would be resolved at the next billing cycle or when I received my credit card. Unfortunately, as far as I recall, I never received another hardcopy billing statement from XXXX and promptly forgot about the account and the small payment due.
I never heard from XXXX again, nor XXXX XXXX. However, on XX/XX/XXXX of XXXX, while reviewing one of my credit reports, I noticed a fraudulent address on the report : XXXX XXXX XXXX, # XXXX, XXXX, MI XXXX. This was listed as my residence since XX/XX/XXXX ( The proximate time when the XXXX account was opened by me and the first bill received ). I live in Nebraska and have no other residences or addresses. I notified XXXX of this and they promptly investigated and removed the address from my credit report as FRAUD. XXXX EXHIBIT D ) On this same credit report, there was also posted notice of a collections account for {$290.00} from a debt buyer, LVNV Funding LLC/Resurgent Capital Services at XXXX. XXXX XXXX XXXX, SC XXXX XXXX XXXX ). Along with this account was posted notice that the account had been charged off by XXXX XXXX on XX/XX/XXXX.
This was all news to me since I had not received billing statements from XXXX XXXX or XXXX, had received no correspondence or calls about a late payment or that the account was in danger of being charged off, and did not receive the legally required Notice of Assignment ( NOA ) under Section 136 of the Law of Property Act from XXXX XXXX to inform me that the account had been assigned to the debt buyer LVNV.
On XX/XX/XXXX, I contacted LVNV at the number on the report. I spoke with XXXX. I explained to her that I had no idea who LVNV was or why they had put a collections notice on my credit reports, stating that I owed {$290.00}. The only charge I had made on XXXX was for a toothbrush at {$79.00}. XXXX said that the balance was probably from late fees and interest, since the card appeared to still be open. I explained that I had received no bills or notice of this, so would not be paying any such fees. I also explained that under FDCPA, LVNV is required to provide written notice of the debt and collection action, and of my right to obtain validation of the debt ( 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R. 18.16 ), and can not under law, without incurring liability, place a collections notice on a debtors credit reports. This was clearly illegal and damaging. I never received any communications from LVNV, no communications or billing from XXXX or XXXX XXXX, no opportunity for debt validation, and did not know who you were until I saw your company listed on my XXXX report on XX/XX/XXXX.
XXXX reviewed my account and at first thought that my address was the fraudulent address in Michigan, which apparently was where my bills and information was being sent. When I explained to her that this was a fraudulent address and had nothing to do with me, and that XXXX had removed it, she seemed to understand the problem I had been having with the account due to a wrongful address and/or credit fraud. XXXX told me she was going to file a dispute and that I would be hearing from them.
At that time, I also called XXXX XXXX but was unable to get anyone to listen to my concerns since the account had been charged off and was with LVNV. The Bank personnel referred me to LVNV to address my issues.
On or about XX/XX/XXXX, I received a letter with attachments from LVNV/Resurgent sent on XX/XX/XXXX stating that the enclosed information was a verification of my debt and a demand to pay {$290.00} ( EXHIBIT A ). Enclosed was a summary of the debt and original creditor, XXXX Bank, XXXX. XXXX XXXX, XXXX, GA XXXX, who had charged off the account on XX/XX/XXXX for {$290.00}. Also was attached a billing statement from XXXX XXXX date XX/XX/XXXX, the date of charge off. Ironically, the address on the billing statement was the fraudulent address in Michigan with my name at the top : % XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX. ( SEE EXHIBIT A ) Here, it is clear by their own fact statement on their billing statement that XXXX XXXX was sending my billing statements and correspondence to a fraudulent or wrong address in Michigan. However, in bad faith, LVNV/Resurgent made no effort to address this error, as had been promised by XXXX on XX/XX/XXXX, and to stop its collections efforts, despite my sending them two letters and substantial documentation to prove that they were in the wrong and should address this issue with XXXX XXXX to remove the charge off from my credit reports ( EXHIBITS E & F ). LVNV also made no effort to remove the illegally placed collections notice on my credit report but persisted in collections and in damaging my credit.
Finally, as a result of this situation I reviewed my information regarding XXXX and found that on XX/XX/XXXX I had received at my real address in Nebraska correspondence from XXXX XXXX, XXXX : XXXX XXXX XXXX, XXXX XXXX, IA XXXX ( EXHIBIT B ). This was a notice that my account with XXXX was past due but could be brought current and paid in full for {$39.00}. However, the account number on the notice from XXXX did not match the account number I had received from XXXX in XXXX of XXXX, so I had set it aside thinking it was a scam. Finding this notice again, I called XXXX XXXX. XXXX and spoke with a representative. She knew nothing about LVNV/Resurgent or any charge off from XXXX XXXX or collections action. She also said that the account number on their billing statement did not match my account number but that this was their own accounting number for my actual account from XXXX. I asked her if I could still pay this balance due for the XXXX account and she affirmed this and told me how to find my Nationwide account online. As a result, I went online and paid the {$39.00} balance due to bring my XXXX account current. The payment was retained by XXXX and withdrawn from my bank ( EXHIBIT C ). Proof of this payment was also forwarded to LVNV/Resurgent but made no difference to them since they only cared about extorting money from me. The payment was also made to XXXX via XXXX but was also not acknowledged by removing the charge off. Under law, since I never received a Section 136 NOA, any payment made to the Assignor, here XXXX XXXX, must be accepted and be removed from your accounts balance due.
Under this law and error, XXXX XXXX would have to reverse its charge off on this fact alone, not to mention the incorrect billing to a fraudulent or wrongful address that violates numerous federal laws, including the Fair Credit Billing Act ( FCBA ), the Truth and Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX sloppy, careless, disorganized management of its XXXX accounts, or its lack of providing secure access to online credit card information and billing, was the cause of the charge off and any accumulation of late fees or interest on the {$39.00} balance due. In fact, in Nebraska there is a usury law under which Synchronys {$290.00} interest charge, as it is listed, is illegal. {$290.00} interest on a balance of {$39.00} over six months is 632 % interest. This is usury and such exorbitant interest charge likely violates many federal and other state laws.
To summarize : 1 ) For whatever reason, XXXX XXXX sent my federally required billing statements and any other correspondence to a third party or fraudulent address in Michigan instead of to me at my address in Nebraska, where my account was established and my first statement was sent. I discovered this fraudulent address on my XXXX, XXXX, and XXXX credit reports in XXXX of XXXX and these were removed by these reporting agencies after they conducted investigations. As a result of this error or fraud, my credit was damaged and defamed by a charge off of his account by XXXX XXXX, a charge off I knew nothing about and for which I received no federally required Notice of Assignment.
2 ) I paid this account in full for {$39.00} after speaking with XXXX XXXX XXXX XXXX, when discovering their offer and after speaking with a XXXX representative.
3 ) At charge off on XX/XX/XXXX, XXXX XXXX sold his account to debt buyer, LVNV, for pennies on the dollar. The balance due at that time was {$290.00}, {$250.00} of which that was listed as interest charged by XXXX for 6 months on {$39.00} principlea return of 632 %, clearly in violation of Nebraskas Usury statute. However, under both contract and under federal and state law, XXXX XXXX can not legally hold me liable for payment, late fees or interest, or charge-off of his account when I did not receive required billing statements and other notices in regard to his account, and when indeed the account was paid in full to XXXX XXXX XXXX XXXX XXXX
4 ) I made debt buyer, LVNV/Resurgent fully aware of this situation, sent documentation to support his claims, and two letters of explanation, as well as speaking on the phone about what happened several times, explaining that they had a duty to contact XXXX XXXX and to remedy the error, including removing negative collections reporting that they had placed on his credit reports. LVNV/Resurgent did nothing, other than demand that I prove fraud by filing a police report, despite that I had forwarded the information regarding fraud from my XXXX report. LVNV/Resurgent made no considered effort to resolve the situation, missing the point of his dispute and making no attempt to understand and repair it. Instead, LVNV/XXXX continue to send me perfunctory validation letters and demands for payment, while continuing to harm my credit by leaving the erroneous and defamatory negative credit information on my reports. LVNV/Resurgent gave the impression that all they care about was collecting money, whether or not this was actually due, a just action, a mistake, or extortion.
At this time, I simply ask that XXXX XXXX immediately remove the charge offs from all my credit reports and place a statement of error in my files and with credit bureaus, serving me notice of this action in a formal letter. I also ask that XXXX XXXX contact XXXX XXXX, XXXX, to verify my payment. Finally, I ask that XXXX contact debt buyer LVNV/Resurgent to report this error and to demand that they also remove any collections information from all of my credit reports along with a letter of explanation to the credit bureaus to be placed in my file. LVNV/Resurgent should also send a letter of apology to me, releasing me from any liability to them for payment.
If this is not done ASAP, I will have no choice but to sue XXXX XXXX for damages, along with debt buyer, LVNV/Resurgent, who I am not releasing from legal liability at this time but giving the opportunity to mitigate their damages to me. This is not an idle threat. I am retired but have a XXXX XXXX and know my way around the courts in litigation.
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| 09/18/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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I received noticed on debt lawsuit on XX/XX/2023. I filed a Civil Action Answer on XX/XX/2023 stating that alleged debt had not been verified by Plaintiff. On XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX stating that a nonjury trial has been scheduled for this case, XXXX XXXX, on XX/XX/2023. On XX/XX/2023, XXXX XXXX XXXX, XXXX, representing LVNV Funding LLC, filed a Motion for Summary Judgement. On XX/XX/2023, I received notice via email The motion filed on XX/XX/2023 will be decided on XX/XX/2023. Do not come to the courthouse because no oral argument has been requested. The courts decision will be provided to you. On XX/XX/2023, I filled a formal opposition to the Motion for Summary Judgement due to a genuine dispute of material fact. On XX/XX/2023, I requested debt validation from Plaintiff through providing the following documentation to fully validate the debt by having proof of contract/business relationship, extended privacy document, full account number of alleged owned debt, proof of claimed amount, accuracy of portfolio, 1099 C Filing Disclosure, Dunning Letter , affidavit of claimed from originating creditor. Oral Argument has been grantedscheduled on XX/XX/2023 notice via email on XX/XX/2023. I received Plaintiffs respond to Debt Validation request on XX/XX/2023 ; not enough time to submit a Motion to Compel due to the incomplete/partial data presented as the important facts are not in dispute.
On XX/XX/2023, Judge XXXX, XXXX, XXXX, put both Plaintiff and Defendant, myself, into a separate room to settle the allegedly owned debt for three hours without verifying that debt, was in fact, owned by the Plaintiff. Once Oral Arguments began, Plaintiff focused on stating that Defendant has not denied owning the debt. Before Defendant was able to present argument, Judge XXXX identified that Exhibit A was missing, and Exhibit B was presented as Exhibit A and there was one crucial document missing. Once Defendant was able to speak, Defendant highlighted that Plaintiff has yet to verify debt, that the correct wording within the employee affidavit mimicked the affidavit from the original creditor that was supposed to be in its place, the full account number or social security was not provided to correctly identify the allegedly owned debt, and that the debt validation request was not answered in full. Judge XXXX asked why Defendant had not filed a Motion to Compel, to which Defendant stated not enough time was granted and the missing documents alone should make the Motion for Summary Judgement inappropriate for this case, allowing the Plaintiff enough time to provide appropriate documents by trial date. Judge XXXX asked if Plaintiff wanted to comment. Plaintiff, once again, highlighted that Defendant had not denied that debt was not owned, and that both full account number and full social security number were present, but omitted for privacy reasons, ( Plaintiff was unable to point on which document it was present and omitted from, as it was missing from the presenting evidence ). Judge XXXX stated that both parties would be notified of verdict and next steps to take. On XX/XX/2023, I received notice via email : Order for Summary Judgement Granted by Judge XXXX, and a second notice via email : The trial proceeding for XXXX XXXX scheduled for XX/XX/2023 has been cancelled, despite Judge XXXX identifying missing evidence and acknowledging that no full account number was present to validate identity.
XXXX XXXX XXXX XXXX is attempting to collect a fee from me that I do not owe them.
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation proving my obligations to perform or comply, that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDC PA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ), I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which XXXX XXXX puts me at risk currently. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages ) PARTS OF A LAWFULCONTRACT 1. Parties competent to contract the parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds a meeting of the minds consensus ad idem, occurs between the parties when they recognize each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman.A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are not of the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being an accommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognized by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorized agent written below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties.
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| 10/23/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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To Whom It May Concern : CFPB Case # : XXXX was previously submitted and closed despite the fact that Resurgent Capital Services is still researching the inquiry. Resurgent provided a Assignment Transfer but did not provide the Full Accounting Summary that I requested from the original creditor to prove the alleged debt is accurate.
I am submitting a new complaint pending the following response from Resurgent to provide an original full detailed account summary from Loan Origination Date ( Original Creditor ) until current date which includes breaskdown of detailed payments, interest, fees, etc. : " Resurgent has contacted the previous creditor regarding the concerns raised in the inquiry. If, upon hearing back from the previous creditor, we learn anything to substantiate these concerns, we will take any steps necessary to resolve this matter. '' Again, I did not ask for this issue to be resolved in the future but requires immediate attention and thus, this CFPB Complaint should remain open until the entire complaint it resolved. This is my final request for Resurgent to comply with this request.
This letter is being sent to you in response to multiple requests to Resurgent Capital Services ( on behalf of LVNV Funding LLC ) for numerous FDCPA violations. This is not an admittance that I owe the stated debt but rather exercising my right to challenge questionable information found on my personal credit reports. As stated with facts below, I have a strong case to believe that the alleged amount from the original creditor is not accurate.
1. Resurgent Capital Services has repeatedly ignored my request for proper Debt Validation via my request for a Detailed Full Account Summary Report since the Origination Date of the Loan with the Original Creditor.
a. Resurgent has repeatedly responded with the following information : i. The referenced account originated on XX/XX/XXXX with XXXX.
ii. The account charged off on XX/XX/XXXX with a balance of {$3800.00}.
iii. The last payment in the amount of {$140.00} was received on XX/XX/XXXX.
iv. Per LVNV Funding LLC ( dba Resurgent Capital Services ), the current account balance is {$3000.00} b. An Account Summary Report fabricated by Resurgent Capital Services dated XX/XX/XXXX and again dated XX/XX/XXXX is not a legal validation of debt. Documentation clearly states : This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor. Resurgent Capital Services has responded on the following dates with the same fabricated account summary : i. XX/XX/XXXX ( XXXX XXXX from Resurgent ) XXXX. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XX/XX/XXXX ( XXXX Office of Attorney General ) iv. XX/XX/XXXX ( Consumer Financial Protection Bureau ) XXXX XX/XX/XXXX ( SC XXXX XXXX XXXX XXXX XXXX ) vi. XX/XX/XXXX ( Consumer Financial Protection Bureau ) vii. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) viii. XX/XX/XXXX ( Consumer Financial Protection Bureau ) XXXX To date, Resurgent Capital Services has not provided a Detailed Account Summary of the Outstanding Balance for {$3000.00} from the original creditor. I am requesting an original full detailed account summary from Loan Origination Date ( Original Creditor ) until current date which includes payments, interest, fees, etc.
2. Credit Reporting Agency Disputes : a. Resurgent Capital Services has responded on the following dates with validations of the alleged debt amount : i. XX/XX/XXXX ( XXXX Dispute Results ) XXXX. XX/XX/XXXX ( XXXX Dispute Results ) XXXX. XX/XX/XXXX ( XXXX Dispute Results ) 3. Proof of Personal Knowledge : To meet its burden, the proof submitted by Resurgent Capital Services must be based on personal knowledge. Personal knowledge means that the person offering the evidence on behalf of Resurgent Capital Services must be a witness to the event shown in a particular document. The person offering the evidence must have personal knowledge of how the information got there, how it is generated and how it is maintained. That person must have personal knowledge of the computer system and how it operates. If this person does not have personal knowledge, the documentation is hearsay, and it can not be used.
4. Full Accounting of Alleged Debt from Original Creditor : Without full accounting of how all charges and payments were allocated, it is assumed that Resurgent Capital Services is providing misleading statements and omissions in accurate balances owed. Supporting documentation will dis-prove any intentional deceptions, errors, or omissions in accurate data.
a. Per FTC vs Avant LLC Complaint ( Case # XXXX ), XXXX XXXX has agreed to settle the Federal Trade Commissions charges that it engaged in deceptive and unfair loan servicing practices, such as imposing unauthorized charges on consumers accounts and unlawfully requiring consumers to consent to automatic payments from their bank accounts.
b. Link to : XXXX XXXX XXXX XXXX Based on attached documentation and as a previous customer of XXXX XXXX XXXX I am confident that I was a victim of XXXX XXXX business practices. As a result, I think that it is non-negotiable that Resurgent Capital Services provide a full detailed account summary from Loan Origination Date ( Original Creditor ) until current date which includes payments, interest, fees, etc.
d. Some of the violations that I believe that XXXX committed against me are : i. XXXX was continuing to collect on outstanding balances AFTER the account charged off dated XX/XX/XXXX, with multiple balances due that do not match the alleged charge off amount of {$3800.00}. ( See attached Settlement Agreements and Collection Notices ). Per the original contract, XXXX did not have standing in the original contract to collect interest on a post-charged off balance which is an FCRA violation. Payment history in the assignment transfer provided by Resurgent shows charge off interest outstanding in addition to the charge off principal outstanding.
ii. XXXX falsely advertised that it would accept payments by credit or debit cards, when in fact it rejected these forms of payments.
iii. XXXX repeatedly agreed to multiple settlement offers and then would terminate the agreements claiming that the payment could not be processed. As I recall, I spent numerous hours on the phone with the bank trying to determine why they rejected the payments with no viable solution found. I was often told that there was no valid reason for the bank payment to be rejected nor was it ever presented on the bank side. Per the attached copies, you can see that an unsophisticated person would not be able to verify the accurate balance due since interest and fees were added each time that XXXX illegally terminated the settlement agreements in order to falsely inflate the outstanding balance. XXXX set up payments and then falsely claimed that the payments were rejected in order to inflate outstanding balances.
1. XXXX failed to properly and timely credit payments made by check ; thus, inflating outstanding balances.
2. XXXX provided inaccurate payoff quotes to consumers ( See attached document ) 3. XXXX offered collecting payment by means of remotely created check ( RCC ).
iv. The attached information from the original credit service provider XXXX XXXX presents confusion causing an unsophisticated consumer to be concerned which of the alleged amounts due is accurate. When that information is presented in arguably confusing manner, it could influence the consumers decision on what to pay.
e. In addition, LVNV Funding states : The last payment in the amount of {$140.00} was received on XX/XX/XXXX. I do not have any record of payment. How is it possible that I made a payment AFTER charge-off? In addition, I am including emails from XX/XX/XXXX, thru XX/XX/XXXX, which shows the same account balance due and does not reflect any payments on XX/XX/XXXX.
i. In CFPB response dated XX/XX/XXXX : Resurgent provide a copy of the payment history from XXXX included with the Purchase Agreement. Again, the attached payment history is not a full accounting summary from the Original Creditor but rather aggregate amounts. Resurgent states It is Resurgents goal to adhere to all state and federal laws and regulations concerning the collection of debts. After investigating the Account, we found no evidence of the mishandlings alleged in the complaint. How is it possible that LVNV found no evidence of mishandlings when I provided documentation to prove otherwise?
ii. Then 3 days later, in CFPB response dated XX/XX/XXXX : Resurgent states : Resurgent has contacted the previous creditor regarding the concerns raised in the inquiry. If, upon hearing back from the previous creditor, we learn anything to substantiate these concerns, we will take any steps necessary to resolve this matter. This statement is an admission of guilt and proof that Resurgent has not properly validated the alleged debt in all of my previous inquiries including credit reporting disputes since they are just now contacting the original creditor/Credit Service Provider for validation. This is an FDCPA violation.
5. As per an opinion letter published by the FTC, reporting the collection to the credit bureaus is considered continued collection activity. Resurgent Capital Services is continuing with violations of the FDCPA for continuing to report invalidated and false debt information and is subject to a fine of {$1000.00} per each violation which can be collected in small claims court.
6. Reporting false information to the credit bureaus has already resulted in defamation of my character and is negatively impacting my ability to get the best mortgage rates which I can prove in the court of law. As a matter of contract law, I am entitled to know the full accounting summary of the amount that is being claimed that I owe from the original creditor.
I am requesting that Resurgent Capital Services provide full verification and documentation of the amount that the current creditor is trying to collect and how the amount was calculated including any adjustments since it does not match the alleged charge-off amount nor any of the documentation submitted by the previous credit servicer of the account, XXXX XXXX XXXX
Leaving false information on my credit reports or parking an account is considered continued collection activity on an invalidated account and is an FDCPA violation. Leaving or parking this false information on my credit reports is currently preventing me from getting the best rates on credit approvals.
I have disputed this false account balance with the consumer reporting agencies ( XXXX, XXXX, and XXXX XXXX ) using a Fair Credit Reporting Act dispute ( FCRA ) and it has been updated as verified by Resurgent Capital Services.
Under FDCPA, I have the right to sue Resurgent Capital Services and LVNV Funding for putting false information on my credit report with no proof of the alleged balance since I have already disputed with the credit reporting agencies. Since the credit bureaus and Resurgent Capital Services did not follow the law then I have the option to sue them under FDCPA violations.
According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to ask for a proper validation of the debt that Resurgent Capital Services claim I owe per 15 USC1692g Sec.809 ( b ) of the FDCPA.
|
| 09/18/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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I received noticed on debt lawsuit on XX/XX/2023. I filed a Civil Action Answer on XX/XX/2023 stating that alleged debt had not been verified by Plaintiff. On XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX stating that a nonjury trial has been scheduled for this case, XXXX XXXXXXXX, on XX/XX/2023. On XX/XX/2023, XXXX XXXX XXXX, XXXX, representing XXXX XXXX XXXX, filed a Motion for Summary Judgement. On XX/XX/2023, I received notice via email The motion filed on XX/XX/2023 will be decided on XX/XX/2023. Do not come to the courthouse because no oral argument has been requested. The courts decision will be provided to you. On XX/XX/2023, I filled a formal opposition to the Motion for Summary Judgement due to a genuine dispute of material fact. On XX/XX/2023, I requested debt validation from Plaintiff through providing the following documentation to fully validate the debt by having proof of contract/business relationship, extended privacy document, full account number of alleged owned debt, proof of claimed amount, accuracy of XXXX 1099 C Filing Disclosure, XXXX XXXX , affidavit of claimed from originating creditor. Oral Argument has been grantedscheduled on XX/XX/2023 notice via email on XX/XX/2023. I received Plaintiffs respond to Debt Validation request on XX/XX/2023 ; not enough time to submit a Motion to Compel due to the incomplete/partial data presented as the important facts are not in dispute.
On XX/XX/2023, XXXX XXXX, XXXX, XXXX, put both Plaintiff and Defendant, myself, into a separate room to settle the allegedly owned debt for three hours without verifying that debt, was in fact, owned by the Plaintiff. Once Oral Arguments began, Plaintiff focused on stating that Defendant has not denied owning the debt. Before Defendant was able to present argument, Judge XXXX identified that Exhibit A was missing, and Exhibit B was presented as Exhibit A and there was one crucial document missing. Once Defendant was able to speak, Defendant highlighted that Plaintiff has yet to verify debt, that the correct wording within the employee affidavit mimicked the affidavit from the original creditor that was supposed to be in its place, the full account number or social security was not provided to correctly identify the allegedly owned debt, and that the debt validation request was not answered in full. Judge XXXX asked why Defendant had not filed a Motion to Compel, to which Defendant stated not enough time was granted and the missing documents alone should make the Motion for Summary Judgement inappropriate for this case, allowing the Plaintiff enough time to provide appropriate documents by trial date. Judge XXXX asked if Plaintiff wanted to comment. Plaintiff, once again, highlighted that Defendant had not denied that debt was not owned, and that both full account number and full social security number were present, but omitted for privacy reasons, ( Plaintiff was unable to point on which document it was present and omitted from, as it was missing from the presenting evidence ). Judge XXXX stated that both parties would be notified of verdict and next steps to take. On XX/XX/2023, I received notice via email : Order for Summary Judgement Granted by Judge XXXX, and a second notice via email : The trial proceeding for XXXX XXXXXXXX scheduled for XX/XX/2023 has been cancelled, despite Judge XXXX identifying missing evidence and acknowledging that no full account number was present to validate identity.
XXXX XXXX XXXX XXXX is attempting to collect a fee from me that I do not owe them.
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation proving my obligations to perform or comply, that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDC PA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ), I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which XXXX XXXX puts me at risk currently. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages ) PARTS OF A LAWFULCONTRACT 1. Parties competent to contract the parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds a meeting of the minds consensus ad idem, occurs between the parties when they recognize each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman.A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are not of the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being an accommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognized by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorized agent written below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties.
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
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XX/XX/XXXXXXXX Report of violations and identity theft by LVNV FUNDING RESURGENT CAPITAL SERVICES I am using CFPB to report clearly the attack that LVNV FUNDING RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX phone XXXX has put down on my credit report and even now USING IDENTITY THEFT. They have used my social number, name, and information to report a new active live account on my credit report that I dont owe.
A POLICE REPORT HAS BEEN FILED AND THE NUMBER IS # XXXX ON XX/XX/XXXXXXXX WITH THE XXXX XXXX POLICE DEPARTMENT XXXX
A FTC REPORT OF IDENTITY THEFT HAS BEEN FILED FTC.GOV # XXXX LVNV FUNDING RESURGENT CAPITAL SERVICES has opened a live active reporting tradeline on my credit report AFTER STATING ON XX/XX/XXXXXXXX IN A LETTER ; THAT IT WOULD NOT ACTIVELY BE PURSUED.
LVNV FUNDING ALSO HAS THE 1099B PAYMENT PROOF THAT THIS OLD DEBT WAS DISCHARGED.
DFINITION OF IDENTITY THEFT : What is the best definition of identity theft?
Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain.
LVNV FUNDING RESURGENT CAPITAL SERVICES USES DECEPTIVE PRACTICES TO COLLECT DEBT WITHOUT VERIFYING CONTRACTUAL OBLIGATION AND OPERATING OUTSIDE OF THEIR JURISDICTION. COMPLETELY VIOLATING THE FAIR DEBT COLLECTION PRACTICES BY VIOLATING : Section 15 usc 1692 802. Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
ALSO VIOLATING Section 15 usc 1692a 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ALSO VIOLATING Section15 usc 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603 ( f ) or 604 ( 3 ) 1 of this Act.
ALSO VIOLATING Section 15 usc 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
ALSO VIOLATING Section 15 usc 1692e 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
ALSO VIOLATING Section 15 usc 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ALSO VIOLATING 15 usc 1692j 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.
15 usc 1692k 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court.
On a finding by the court that an action under this s ALSO VIOLATING THE PRIVACY ACT OF 1974 Even stating that their attorney is after me on my credit report.
LVNV FUNDING IGNORED MY DEMANDS FOR A NAME AND ACCOUNTING DOCUMENT AND PURCHASE AGREEMENT OF ALLEGED DEBT.
LVNV AND ITS AFFILIATES INFORMATION LVNV is a limited liability company that was organized in Delaware in XXXX, is headquartered in XXXX XXXX, Nevada, and appears to be managed from South Carolina. It claims to have no employees of its own. Its only business is to purchase consumer debts that are in default, mostly from affiliated entities that purchased the debts from others, and attempt to collect those debts through litigation. As determined by the Maryland Commissioner of Financial Regulation in a XXXX enforcement action ( and not contested by LVNV in this appeal ), LVNV is part of an integrated conglomeration of affiliated entities that include : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which own and operate Sherman Financial Group ( SFG ) and XXXX XXXX XXXX ( SCM ). XXXX provides management services for SFG, which the Commissioner of Financial Regulation found to be " an integrated financial services company engaged in purchasing and servicing portfolios of consumer debt that it acquires at a large discount. '' Sherman Originator LLC ( Originator ), which is a wholly-owned subsidiary of SFG. Originator is headquartered in South Carolina. LVNV is a wholly owned subsidiary of Originator. LVNV 's Board of Managers, which has day-to-day supervision over LVNV, also is based in South Carolina.
Sherman Acquisition Limited Partnership ( SALP ), Sherman Acquisition XXXX XXXX XXXX ( XXXX ), Sherman Acquisition XXXX XXXX XXXX XXXX ( XXXX ), and Sherman Acquisition LLC ( SALLC ), which also are subsidiaries of SFG. The first two are debt purchasers. SALLC is involved with the management of LVNV ; SALP and XXXX have traded as LVNV ; and Resurgent Capital Services Limited Partnership, a/k/a Resurgent Capital Services LP , f/k/a XXXX XXXX XXXX XXXX ( Resurgent ), which acts as the master servicer for charged-off consumer debt owned by LVNV and is headquartered in South Carolina. Resurgent is a limited partnership in which XXXX is the general partner that owns one percent, and SFG, which is a limited partner that owns 99 percent. Both Resurgent and XXXX are subsidiaries of SFG. Id. Though only a one percent owner, XXXX is responsible for the management of Resurgent.
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| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XX/XX/XXXX Report of violations and identity theft by LVNV FUNDING RESURGENT CAPITAL SERVICES I am using CFPB to report clearly the attack that LVNV FUNDING RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX phone XXXX has put down on my credit report and even now USING IDENTITY THEFT. They have used my social number, name, and information to report a new active live account on my credit report that I dont owe.
A POLICE REPORT HAS BEEN FILED AND THE NUMBER IS # XXXX ON XX/XX/XXXX WITH THE XXXX XXXX POLICE DEPARTMENT XXXX
A FTC REPORT OF IDENTITY THEFT HAS BEEN FILED FTC.GOV # XXXX LVNV FUNDING RESURGENT CAPITAL SERVICES has opened a live active reporting tradeline on my credit report AFTER STATING ON XX/XX/XXXX IN A LETTER ; THAT IT WOULD NOT ACTIVELY BE PURSUED.
LVNV FUNDING ALSO HAS THE 1099B PAYMENT PROOF THAT THIS OLD DEBT WAS DISCHARGED.
DFINITION OF IDENTITY THEFT : What is the best definition of identity theft?
Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain.
LVNV FUNDING RESURGENT CAPITAL SERVICES USES DECEPTIVE PRACTICES TO COLLECT DEBT WITHOUT VERIFYING CONTRACTUAL OBLIGATION AND OPERATING OUTSIDE OF THEIR JURISDICTION. COMPLETELY VIOLATING THE FAIR DEBT COLLECTION PRACTICES BY VIOLATING : Section 15 usc 1692 802. Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
ALSO VIOLATING Section 15 usc 1692a 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ALSO VIOLATING Section15 usc 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603 ( f ) or 604 ( 3 ) 1 of this Act.
ALSO VIOLATING Section 15 usc 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
ALSO VIOLATING Section 15 usc 1692e 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
ALSO VIOLATING Section 15 usc 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ALSO VIOLATING 15 usc 1692j 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.
15 usc 1692k 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court.
On a finding by the court that an action under this s ALSO VIOLATING THE PRIVACY ACT OF 1974 Even stating that their attorney is after me on my credit report.
LVNV FUNDING IGNORED MY DEMANDS FOR A NAME AND ACCOUNTING DOCUMENT AND PURCHASE AGREEMENT OF ALLEGED DEBT.
LVNV AND ITS AFFILIATES INFORMATION LVNV is a limited liability company that was organized in Delaware in XXXXXXXX is headquartered in XXXX XXXX, Nevada, and appears to be managed from South Carolina. It claims to have no employees of its own. Its only business is to purchase consumer debts that are in default, mostly from affiliated entities that purchased the debts from others, and attempt to collect those debts through litigation. As determined by the Maryland Commissioner of Financial Regulation in a 2011 enforcement action ( and not contested by LVNV in this appeal ), LVNV is part of an integrated conglomeration of affiliated entities that include : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which own and operate XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX provides management services for XXXX, which the Commissioner of Financial Regulation found to be " an integrated financial services company engaged in purchasing and servicing portfolios of consumer debt that it acquires at a large discount. '' XXXX XXXX XXXX ( XXXX ), which is a wholly-owned subsidiary of XXXX. Originator is headquartered in South Carolina. LVNV is a wholly owned subsidiary of Originator. LVNV 's Board of Managers, which has day-to-day supervision over LVNV, also is based in South Carolina.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which also are subsidiaries of XXXX. The first two are debt purchasers. XXXX is involved with the management of LVNV ; XXXX XXXX XXXX have traded as LVNV ; and Resurgent Capital Services Limited Partnership, a/k/a Resurgent Capital Services LP , XXXX XXXX Group Limited Partnership ( Resurgent ), which acts as the master servicer for charged-off consumer debt owned by LVNV and is headquartered in South Carolina. Resurgent is a limited partnership in which Alegis is the general partner that owns one percent, and XXXX, which is a limited partner that owns 99 percent. Both Resurgent and XXXX are subsidiaries of XXXX. Id. Though only a one percent owner, XXXX is responsible for the management of Resurgent.
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| 09/10/2022 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I am filing a complaint against Resurgent Capital Services, L.P. for violating the Fair Debt Collections Practices Act ( FDCPA ). Today I received in the mail a letter from Resurgent Capital Services dated XX/XX/2022, regarding my account ending in XXXX and advising me that this letter serves as notification the effective XX/XX/2022 LVNV Funding LLC has placed your account with Resurgent Capital Services, L.P. for servicing. This letter also states their records show that my account has an outstanding balance that has not yet been resolved. This letter indicates my account being placed with Resurgent Capital Services on XX/XX/2022, but the letter does not indicate anywhere where I have 30 days to dispute this alleged debt. Under the FDCPA Section 809 Validation of debts it states that the debt collector must provide a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, any portion thereof, the debt will be assumed to be valid by the debt collector. This statement is nowhere stated on this letter dated XX/XX/2022, which is a clear violation of the FDCPA.
But here is where things get crazy because I previously received a letter dated XX/XX/2022, advising me that my account has a new home with Resurgent Capital Services, L.P. as my account ending in XXXX ( Reference ID : XXXX in the amount of {$5000.00} ) had been sold on XX/XX/2022 and the new owner is LVNV Funding LLC. Also states in this same letter that effective XX/XX/2022, LVNV Funding LLC placed your account with Resurgent Capital Services L.P. for servicing. On page 4 of this letter dated XX/XX/2022, it states how you can dispute the debt? I could call or write to them by XX/XX/2022, to dispute all or part of the debt. If you dont, we will assume that our information is correct. It also states in this letter that if you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents.
I also received a second dated XX/XX/2022, advising me that my account has a new home with Resurgent Capital Services, L.P. as my account ending in XXXX ( Reference ID : XXXX in the amount of {$8300.00} ) had been sold on XX/XX/2022 and the new owner is LVNV Funding LLC. Also states in this same letter that effective XX/XX/2022, LVNV Funding LLC placed your account with Resurgent Capital Services XXXX for servicing. On page 4 of this letter dated XX/XX/2022, it states how you can dispute the debt? I could call or write to them by XX/XX/2022, to dispute all or part of the debt. If you dont, we will assume that our information is correct. It also states in this letter that if you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents.
On or about XX/XX/2022, I sent a letter to Resurgent Capital Services, L.P., disputing my account ending in XXXX and with Reference ID : XXXX in the amount of {$5000.00} and a second letter to Resurgent Capital Services, L.P., disputing my account ending in XXXX and with Reference ID : XXXX in the amount of {$8300.00} with both letters in same envelope were mailed via XXXX XXXX Mail with Tracking Number XXXX which shows this envelope being delivered to Resurgent Capital Services, L.P. on XXXX XXXX at XXXX in XXXX XXXX SC XXXX. A few weeks later, I received 2 letters dated XX/XX/2022, from to Resurgent Capital Services, L.P. regarding both above mentioned accounts has initiated a review of the inquiry recently received. They failed to acknowledge that I was in fact disputing both of these accounts. Resurgent Capital Services, L.P. has yet to provide me proof of debt on either of the above-mentioned accounts. Again, I have the right to request verification of my debt ( XXXX ) within 30 days. This period is sometimes called the XXXX XXXX. After Resurgent Capital Services, L.P. received my dispute letters dated XX/XX/2022, they must have stopped all attempts to collect this debt from me which they failed to do so also violating the FDCPA. Resurgent Capital Services, L.P. continued to call and leave voice-mail messages and on a daily basis sent me collection notices via email as these actions are also a violation of the FDCPA.
Resurgent Capital Services, L.P. also is not allowed to list both of the above-mentioned debts on my credit report after receiving my dispute letters. Resurgent Capital Services, L.P. did the opposite as both the above mentioned debts were not reported on my credit reports until after they received both my dispute letters, then Resurgent Capital Services, L.P. reported both the above mentioned debts on my credit report which is also not only a violation of the FDCPA, but by reporting these disputed debts to the 3 major reporting credit agencies, caused my Credit Score to seriously plumet so insurance companies have taken advantage of my lower credit score by increasing my insurance premiums by at least 25 % which is not right! I strongly believe I should be financially reimbursed by Resurgent Capital Services, L.P. for their actions not only violating the FDCPA, but also for negatively impacting my credit reports and credit scores.
Apparently, a debt collector such as Resurgent Capital Services, L.P., can take as long as they want to respond to my letter request to validate both of my above-mentioned debts. Most debt collection agencies normally respond within either XXXX to 30 days or they never respond when they cant in fact validate a debt. I strongly believe that Resurgent Capital Services, L.P. cant prove the validation of both of the above-mentioned debts which is why Resurgent Capital Services , L.P. never sent me proof supporting that I in fact owed both debts mentioned above. Instead of Resurgent Capital Services, L.P. sending me proof of my above-mentioned debts or acknowledge the fact that I am disputing the same above-mentioned debts as well, Resurgent Capital Services, L.P. , is trying to erase the fact that I have sent debt validation letters not only requesting validation of the above-mentioned debts, but also the fact that I was disputing both above mentioned debts as well. I strongly believe that Resurgent Capital Services, L.P. is trying to erase both my letters dated XX/XX/2022, in regards to both the above-mentioned debts is Resurgent Capital Services XXXX L.P. can not provide proof that I in fact owe both the above-mentioned debts. The way Resurgent Capital Services, L.P. is trying to erase my previous letters is by trying to start the entire debt notification process over again which should also be a violation of the FDCPA. Proof of this action is in Resurgent Capital Services, L.P. letter dated XX/XX/2022 which against states that this letter is notification that effective XX/XX/2022 and not XX/XX/2022 as originally stated in the letter dated XX/XX/2022, that XXXX has placed my account with Resurgent Capital Services, L.P. for servicing. This letter dated XX/XX/2022, also states that because my account has not been resolved, it has now been moved into a six-month accelerated prelegal collections track. This letter also states this track is the last stop in collection efforts before the account is considered for referral to an attorney. This letter also states that if I do not establish a plan with. Resurgent Capital Services, L.P. to resolve my account ( s ) before the end of the prelegal track, it may be forwarded to an attorney to review for possible lawsuit. Again, this letter does not give me the opportunity to dispute this debt, which is again a violation of the FDCPA, but this letter does not mention the previous letter that was sent by Resurgent Capital Services, L.P. dated XX/XX/2022. I believe the reasoning behind this is they can not in fact validate either of the above mentioned debts and Resurgent Capital Services, L.P. is now trying to intimate me into establishing some type of payment plan with. Resurgent Capital Services, L.P. in order to avoid a possible lawsuit against me which again is not right. I sent XXXX dispute letters dated XX/XX/2022, to Resurgent Capital Services, L.P. advising them to provide proof I owe these debts as well as the fact I was also disputing both of these debts with providing documentation to support my disputes. Resurgent Capital Services, L.P. acknowledged the fact they received my letters dated XX/XX/2022, with their letters dated XX/XX/2022, but these same letters did not mention the fact I was disputing both of the above-mentioned debts. I also strongly believe that Resurgent Capital Services, L.P. letter dated XX/XX/2022, violates several sections within the FDCPA. I also strongly believe that the date for Resurgent Capital Services, L.P. provide documentation to support the two above mentioned debts ended on XX/XX/2022, when Resurgent Capital Services, L.P. sent me a letter dated XX/XX/2022 which clearly states that this letter will serve notification that effective XX/XX/2022 LVNV Funding LLC has placed my account with Resurgent Capital Services, L.P. for servicing which implies that Resurgent Capital Services, L.P. just received this account as a new account which is not true according to the later dated XX/XX/2022 from Resurgent Capital Services, L.P. which advises that Resurgent Capital Services, L.P. had my account placed with them back on XX/XX/2022 and not XX/XX/2022. So far, I have only received XXXX letter dated XX/XX/2022, regarding both the above-mentioned accounts from Resurgent Capital Services XXXX XXXX, XXXX they previously sent me XXXX letters dated XX/XX/2022 & XXXX letters dated XX/XX/2022, so I am assuming I will either be receiving a second letter date XX/XX/2022, or it may have been lost in the mail.
To me this is serious fraud and Resurgent Capital Services, L.P. should be forced to not only cease and desist on collecting both above mentioned accounts, but also be forced to have both above mentioned accounts be removed immediately from the 3 major credit reporting agencies. I strongly believe I should receive some type of financial compensation for the damage that Resurgent Capital Services, L.P. has done to my credit scores which has caused me financial harm as an example would be insurance companies have increased my annual premiums as a result of my lower credit score which was caused by Resurgent Capital Services, L.P. when they reported both the above mention accounts to be reported as collections status with all 3 of the major credit reporting agencies. I would greatly appreciate it if your federal agency could follow up with the 3 major credit reporting agencies to make sure Resurgent Capital Services, L.P. has removed both above-mentioned accounts from all 3 of my credit reports. Thank you very much in advance for your assistance.
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| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX have the right to demand validation of the debt you say I owe you. I XXXX XXXX demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : //codes.findlaw.com/ca/code-of-civil-procedure/ccp-sect-1250-150.html # sthash.edZyWein.dpuf ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor.
8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor.
10. Discovery of Evidence Discovery of address on file for alleged debtor.
11. Discovery of Evidence Discovery of alleged account number.
12. Discovery of Evidence Discovery of amount of alleged debt.
13. Discovery of Evidence Discovery of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by you or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
Best Regards, XXXX XXXX cc Federal Trade Commission
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| 12/26/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
Servicemember |
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Resurgent Capital Services Mr. XXXX XXXX, XXXX, Chief Executive Officer XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Re : Your letter dated XXXX, your file XXXX account # XXXX To : Mr. XXXX XXXX, XXXX, Chief Executive Officer This is a DEMAND for the {$20000.00} consultant fee authorized by your customer service department ( XXXX ) dated XXXX and XXXX XXXX. A printout is not a verified claim or debt. The terms of the contract are VERY CLEAR.
Please make payment of {$10000.00} by US Funds no later than XX/XX/XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX, Fl ( XXXX ) After XX/XX/XXXX Amount due is {$22000.00} plus recovery fees incurred.
NOTICE : you have possession of private copywrite material that must not be shared and must be destroyed immediately, failure to destroy such will result in additional damages.
Original Consultant Contractual agreement will continue as accepted in offer dated XXXX and acceptance XXXX. IMPORTANT REMINDER, EACH COMMUNICATION USING MY PERSONAL INFORMATION BY YOURSELF OR YOUR COMPANY TO 3RD PARTYS IS SUBJECT TO MY {$10000.00} FEE, INCLUDING THE SALE OF SUCH INFORMATION.
COPY OF CONTRACT TERMS BELOW This is a request for verification as this alleged debt is in dispute. I am not refusing to pay a debt which I lawfully owe, but I need verification of the debt before we can proceed. Please answer the following questions relating to the disputed account and return them to me within thirty ( 10 ) days, with your Affidavit which validates the answers. If you need more time, or if you need any question restated, please make your request to me in writing.
This letter is your notice under the authority of The Fair Debt Collections Practices Act that contacting me again regarding the above referenced alleged debt, after the verifiable receipt of this notice without providing procedurally proper validation of the debt, establishes that you, Mr. XXXX XXXX, XXXX, Chief Executive Officer have used interstate communications in a scheme of fraud by using threat, intimidation, deception, and enticement to coerce a person to commit some act creating a legal disability where none exists.
However, I am willing to communicate with you as a consultant for a fee of {$10000.00} per letter, and {$10000.00} per phone call, so if you write or call again, absent the proof required below, it will comprise your contractual agreement to pay my consultation fees.
1. Please state the name, occupation and mailing address of the person answering the following questions.
2. Please furnish a copy of the contract which your company has with me in regard to this alleged debt.
3. Please identify what you loaned to me. Did you loan me cash, credit, or a debt instrument?
4. Please produce the account and general ledger statement showing the full account of the alleged obligation that you are now attempting to collect, verified ( sworn true, correct and complete ) by the party who made the entries.
5. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
6. Please verify under penalty of perjury that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original creditor.
7. Please obtain verification from the original creditor, under penalty of perjury, that the creditor did not receive reimbursement from its insurance company in an amount exceeding the amount of the alleged debt, as is the customary policy of lenders ; or in the case of an alleged criminal judgment, verify via the courts fiscal office that the court was not reimbursed by an income stream resulting from the sale of bonds in the defendants name, as is the standard practice of courts.
8. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause with impunity.
9. Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable.
10. Please provide verification from the original creditor that you are authorized to act for them.
11. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing which you know is false with the intention that others rely on the written communication to their detriment.
12. Please verify that you know and understand that contacting me through a 3rd party credit reporting agency by reporting and using any identification of me constitutes a communication and is subject to my consultant fee of {$10000.00} per communication.
13. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes acceptance of my contract terms to pay me consulting fees of {$10000.00} per letter and {$10000.00} per phone call including 3rd party communications.
Note : A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ).
cc : Consumer Response Center Federal Trade Commission XXXX, D.C. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, President ET AL XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Re : Your letter dated XXXX, your file # XXXX To : XXXX XXXX, President ET AL This is a DEMAND for the {$10000.00} consultant fee authorized by your affiliated company Resurgent Capital Services division dated XXXX Please make payment by US Funds by XX/XX/XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX After XX/XX/XXXX Amount due is {$11000.00} plus recovery fees incurred by me.
Original Consultant Contractual agreement will continue as accepted in offer dated XXXX and acceptance XXXX. IMPORTANT REMINDER, EACH COMMUNICATION USING MY PERSONAL INFORMATION BY YOURSELF OR YOUR COMPANY TO 3RD PARTYS IS SUBJECT TO MY {$10000.00} FEE, INCLUDING THE SALE OF SUCH INFORMATION.
COPY OF CONTRACT TERMS BELOW However, I am willing to communicate with you as a consultant for a fee of {$10000.00} per letter, and {$10000.00} per phone call, so if you write or call again, absent the proof required below, it will comprise your contractual agreement to pay my consultation fees.
1. Please state the name, occupation and mailing address of the person answering the following questions.
2. Please furnish a copy of the contract which your company has with me in regard to this alleged debt.
3. Please identify what you loaned to me. Did you loan me cash, credit, or a debt instrument?
4. Please produce the account and general ledger statement showing the full account of the alleged obligation that you are now attempting to collect, verified ( sworn true, correct and complete ) by the party who made the entries.
5. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
6. Please verify under penalty of perjury that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original creditor.
7. Please obtain verification from the original creditor, under penalty of perjury, that the creditor did not receive reimbursement from its insurance company in an amount exceeding the amount of the alleged debt, as is the customary policy of lenders ; or in the case of an alleged criminal judgment, verify via the courts fiscal office that the court was not reimbursed by an income stream resulting from the sale of bonds in the defendants name, as is the standard practice of courts.
8. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause with impunity.
9. Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable.
10. Please provide verification from the original creditor that you are authorized to act for them.
11. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing which you know is false with the intention that others rely on the written communication to their detriment.
12. Please verify that you know and understand that contacting me through a 3rd party credit reporting agency by reporting and using any identification of me constitutes a communication and is subject to my consultant fee of {$10000.00} per communication.
13. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes acceptance of my contract terms to pay me consulting fees of {$10000.00} per letter and {$10000.00} per phone call including 3rd party communications.
Note : A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ).
cc : Consumer Response Center Federal Trade Commission Washington, XXXX XXXX
|
| 08/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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XXXX XXXX XXXX IS A CRIMINAL, THEY CAN NOT PROVE ANY CONTRACT OR THE ORIGINAL INSTRUMENT OF INDEBTEDNESS, THERES NO CONTRACT WHATSOEVER, Due to these facts, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character, & information breach, using fictitious names, reporting false information, punitive, and what ever codes and laws that are applicable!. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ). I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond wit h clarity to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which XXXX puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this deb was assigned or sold to collector. Complete accounting of alleged debt. Meaning public and private side of bookeeping, and CUSIP # S purchase price for information from alleged creditor, or information provider Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intetnt to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages. PARTS OF A LAWFUL CONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, no t disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds A meeting of the minds consensus ad idem, occurs between the parties when they recognize each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman. A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are not of the same and equal kind.
7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being an accommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognized by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorized agent written below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties. Best Regards XXXX XXXX. Respondent to Respondent, must respond within 30 days. Please provide relevence and clarity with your response. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. [ US vXXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) quoting US v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ] Silence is a species of conduct, and constitutes an implied representation of the existence of the state of facts in question, and the estoppel is accordingly a species of estoppel by misrepresentation. [ cite omitted ] when silence is of such a character and under such circumstances that it would become a fraud upon the other party to permit the party who has kept silent to deny that which his silence has induced the other to believe and act upon, it will operate as estoppel. [ XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX ) ] Your silence stands a consent, and tacit approval, for the declarations of facts and conclusions here being established as fact, as a law matter and this affidavit absent timely rebuttle, will stand as final judgment in this matter. Failure to reply with-in thirty days, establishes you are in agreement with the foregoing and are thusly legally estopped pursuant to : XXXX v. XXXX, XXXX XXXX. XXXX, XXXX, silence activates estoppel. I, XXXX XXXX, hereby reserve the right to amend this letter /document, and am the only party authorized to assert the right to make amendments to this document as necessary, and in order that the truth may be ascertained and these proceedings justly determined. Should any party possess information that will controvert and overcome this Declaration with specificity, pleaseadvise Me in writing by DECLARATION in AFFIDAVIT FORM within 30, days from receipt hereof and thereby, provide Me with your timely rebuttle, proving with particularity by stating all requisite actual evidentiary fact and all requisite actual law, and at no time in reliance on mere presumptive facts and personal conclusions law, that this Affidavit by Verified Declaration is substantially and materially false sufficiently for changing materially my declaration. The Undersigned, I, XXXX XXXX, do herewith declare, state and say that I, XXXX XXXX issue this with sincere intent in truth, that I, the undersigned am competent by stating the matters set forth herein, that the contents are true, correct, complete, and certain, admissible as evidence, reasonable, not misleading, and by My best knowledge, by Me, the undersigned. This document and all others pertaining to this issue may be recorded and thusly may be used at the discretion of its issuer for any and all matters as so allowed under Rule 902 of the Federal Rules of Evidence and others, including, without limitations, the jurisdiction of the State of illinois, illinois state, and the United States of America. By my hand, this sixth day of XX/XX/XXXX, Your Name Here. XXXX XXXX, UCC 1-308 all rights reserved XXXX illinois ZIP EXEMPT CC : FTC Federal Trade Commission. BCC ; BBB Better Business Bureau THIS IS A LETTER COMMUNICATION FROM XXXX XXXX ( XXXX. ) and not XXXX XXXX. reserves all rights UCC 1-308
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| 04/17/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Indicated you were committing crime by not paying debt
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|
Web |
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XX/XX/2022 My mother called me and said that there is a letter there for me and that it's from a lawyer. I proceeded to ask her to open the letter and it was a letter for a debt from a company that has been causing all this mental stress for a debt that I know nothing about. I have asked these people to send verification of this debt and they have failed to do so. I have repeatedly tried to dispute this bogus bad debt that is ruining my good name and hindering my well being.
XXXX XXXX XXXX XXXX is now doing what LVNV is doing and it's draining my will to live. I want these people to investigate and send me a signed document showing that i signed up for this now bad debt from all parties involved and I have yet to get that. I am sick of these people trying to collect a debt that I know nothing of.
806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity.
15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
I just ask you to send me the copy of my signed contract ( VERIFICATION OF THE DEBT ) for account # XXXX with my signature on the original debt as the law clearly states you must ... .and if not DELETE this and go on about your way.
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| 07/02/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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Dear CFPB, I understand that this is another complaint to add to the hundreds of thousands complaints already in your office. I am sure, just like in our situation, millions of Americans were hit hard by the recession and the complaints piled up year after year. Ten years later, when maybe, just maybe, people have started to rebuild and get a little ahead, like in our situation, we have another unprecedented economic downturn. Yet, the secondary debt collector market is stronger than ever and as a consumer I am requesting that they are held accountable. I am hoping you will provide me with some ray of hope that consumers will be provided more protections from these unscrupulous businesses.
" The Federal Trade Commission ( FTC ) now receives more consumer complaints about debt collectors than about any other single industry. The agency received 897,655 complaints about debt collection in XX/XX/XXXX, more than triple the number of complaints it received the previous year. The Consumer Financial Protection Bureau ( CFPB ) received 88,000 debt collection complaints in XX/XX/XXXX. In a national survey of consumer experiences with debt collectors, the CFPB found that one in four consumers contacted by debt collectors felt threatened. '' The company we are dealing with is CACH LLC., a vulturous, predatory and litigious company.
Our Story : In XX/XX/XXXX, we purchased an air conditioner from XXXX XXXX XXXX using credit from XXXX XXXX XXXX, changed to XXXX XXXX XXXX XXXX in XX/XX/XXXXand now, XXXX XXXX.. The retail establishment was made whole by XXXX XXXX XXXX. In XXXX, due to the economic downturn, our lives drastically changed ; losing our jobs and all of our savings, retirement and education funds for our three children, two of whom were in college at this time.
After several attempts to receive a modified payment plan with XXXX, which by their agreement they offered, were all ignored. They then charged off the account, before requiring immediate payment of the entire account, received a tax loss and probably collected bad debt insurance. Then sold to CACH LLC in XX/XX/XXXX, for pennies on the dollar, ~ {$700.00}. CACH LLC hires the XXXX XXXX XXXX XXXX XXXX, states that the amount owed is {$9200.00} with an interest rate of 26.99 % plus fees. Certainly a large profit margin for CACH LLC.
At this time, being sued by a secondary market debt collector was unchartered territory to us. We were in the midst of rebuilding our lives, receiving unemployment, applying for jobs and starting a small business simultaneously. We depended on assistance from family and friends to keep our home and pay our bills. Not understanding the magnitude of this judgment, several attempts were made to offer a modified payment plan with the XXXX XXXX XXXX XXXX XXXX, also nonresponsive.
" Some debtors fail to show up in court because they can not get time off from work or secure child care. Some are confused by notices, even having received several in the mail. Many are unaware of the consequences of missing the court date. In cases brought by companies that have purchased the debt from the original creditor, the plaintiffs name on the summons will be unfamiliar to the debtor, creating more confusion. According to consumer rights advocates, some debt collectors repeatedly request trial continuances, postponing the case whenever the debtor shows up in court and then moving for default judgment the one time the debtor fails to appear. Even when aware of the suit, debtors almost never have lawyers and dont know how to defend themselves in a legal proceeding. There is no constitutional right to an attorney in collection actions and civil contempt actions, and most debtors can not afford to hire one. As a result, debtors are represented by lawyers in fewer than 2 percent of collection cases. '' Next we hear from XXXX XXXX XXXX, who renewed the Default Judgment, XX/XX/XXXX, and, by a newly updated statute, they are able to extend the judgment for an additional five years, beyond the statute of limitations ( six years in Arizona ), which seems contradictory and unlawful. The amount is now {$15000.00} with fees and interest. In addition, there is a lien filed with the Recorder 's Office against our home, which also seems unlawful based on Homestead laws, more contradictions and less protection for the consumer.
" The default judgments are routinely padded with interest charges and attorneys fees, so the amounts end up being far more than the original debt. Once a debt collector gets a court judgment, it gains the power to garnish wages, seize property, clean out bank accounts, or put a lien on a home. '' On XX/XX/XXXX, we received a letter from XXXX XXXX XXXX XXXX stating that they are the attorneys representing CACH LLC. This would be the third law firm in regards to this case. We were not familiar with this new firm, as we had not received any communication regarding Substitution Of Counsel.
Upon receipt of this letter, we decided to look closer at the entire case and learned the following : CACH LLC, the original secondary market creditor and according to findings, due to their bankruptcy with their parent company, XXXX XXXX, in XX/XX/XXXX, much of their portfolio was sold to Resurgent Capital Services ( Sherman Financial Group, LLC ), Resurgent is currently claiming they only service the debt.
This leads to consulting with attorneys to see how to respond at this point in time. The advice was they would be happy to negotiate it on our behalf at 60-70 % of the amount claimed plus their fee, $ XXXX {$1500.00}. So, {$10.00}, XXXX plus their fee to pay to CACH LLC or Resurgent and now XXXX XXXX XXXX XXXX. for a debt, passed the statute of limitations that they paid ~ $ XXXX+ eight years ago. This negotiated amount is still obscene and is not affordable to us.
Not happy with the advice, we decided to return to the beginning and went to the original court, XXXX XXXX XXXX, XXXX, AZ and obtained a copy of the filing by the XXXX XXXX XXXX XXXX XXXX. Upon reading the documents, researching and learning the complexities of the secondary debt collector market, we decided to File the Motion To Set Aside/Vacate, Pro XXXX, as we do not have the funds to pay an attorney, the judgment based on the unlawful and inaccurate information filed with the court. Unfortunately our motion was denied, which seems par for the course.
It seems, according to my research : " The Debt Collection Industry is a multi-billion dollar racket run throughout the country. Just as a photocopy of a {$100.00} bill is evidence of a {$100.00} bill, it is not the actual Federal Reserve note ; its a copy that doesn't spend. Yet, debt collectors are collecting billions on photocopies of debt. That is, evidence of debt, not the debt. The evidence of debt is being sold for and purchased for pennies on the dollar, while debt collectors/attorneys are collecting on the full face value plus penalties and attorney fees. '' " The Courts have been rubber-stamping these transactions for so long that it has now become custom to rubber stamp. A custom that is at its best, difficult to overcome. The Courts don't like having to actually consider the facts and evidence, it is so much easier to hand out your money than for them to behave according to their own rules of procedure and evidence. The Courts want you to prove a negative that you dont owe. While refusing to require the Plaintiff to prove the charges he has brought against you. '' " According to the Federal Trade Commission ( FTC ), the majority of cases on many state court dockets on any given day are often debt collection cases. In many states, companies that bought debts from original creditors file more civil lawsuits than any other type of plaintiff. When judges automatically award default judgments without scrutinizing the merits of debt collectors claims, these judgments may be for the wrong amount, for debts that are not subject to collection, or against the wrong defendant. The FTC found that the information received by debt collectors is often inadequate and results in attempts to collect from the wrong consumer or to collect the wrong amount. '' " Once a lawsuit is filed, the process is stacked against the defendant, whether the amount is owed or not. Debt proceedings are plagued by substantial due process deficiencies, including failure to serve the defendant with adequate and legal notice of the suit, lack of evidence of the underlying debt, and falsified or improper affidavits such as robo-signed affidavits. Beyond that, debt collectors benefit from expedited judicial process in small-claims courts, which provide limited due process protections to debtors. '' " Courts overburdened with cases churn through these collection lawsuits with astonishing speed and minimal scrutiny. The vast majority of theman estimated 90 percentconclude in a default judgment against the defendants, in which the debt collector automatically wins because the defendant did not contest the case. Most did not appear in court to defend themselves or respond to the litigation at all. '' From our extensive research and findings, CACH LLC does not have legal proof of debt, they do, however, have a default judgment against us, which means, in the end, we will have to negotiate with this unscrupulous company. And will have to borrow funds to pay.
Please see attached copy of the Assignment of Sale a document, which we believe was falsified : XXXX XXXX XXXX XXXX, XX/XX/XXXX, was headquartered in Connecticut.
Cach, LLC., aka XXXX XXXX XXXX, was headquartered in Colorado XXXX
The Affidavit of Sale was notarized in Minnesota.
The Affidavit of Sale states under the laws of the state of California The Default Judgment was obtained in Arizona The attorney on file, XXXX XXXX XXXX, is licensed in Arizona, not Minnesota Affiant, XXXX XXXX, left Connecticut to fly to Minnesota to sign as Collections Operations Representative of XXXX XXXX XXXX XXXX?
The time has come to make changes and give consumers weapons to fight back these parasites of the American economy.
Thank you for taking the time to understand our circumstances and take action to make the secondary debt collection industry illegal.
Sincerely, /s/ XXXX XXXX /XXXX/ XXXX XXXX
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| 07/26/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party.
I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account.
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Regards XXXX XXXX Accounts Requiring Immediate Removal : LVNVFUNDG with Account # XXXX * for a debt owed of {$210.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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| 02/05/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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LVNV Funding, LLC Resurgent Acquisitions LLC Resurgent Capital Services XXXX XXXX XXXX XXXX Notice of Legal Hold and Debt Validation Demand for account ending XXXX This letter is being sent to you in response to your Debt Collection attempt of the debt I purportedly owe to LVNV Funding, LLC, Resurgent Acquisitions LLC, Resurgent Capital Services or XXXX XXXX. in the amount of {$1400.00}. I never heard about LVNV Funding, LLC, Resurgent Acquisitions LLC, Resurgent Capital Services as my alleged creditors or representatives of my Creditor and never received any mandatory Notices under FDCPA about LVNV Funding, XXXX, Resurgent Acquisitions LLC, Resurgent Capital Services intent to collect from me as required under FDCPA. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Please also be advised that I plan to file an Adversary Complaint as ProSe, under Rule XXXX ( 2 ) to determine Validity of Claim where all of named above entities - LVNV Funding, LLC, Resurgent Acquisitions LLC, Resurgent Capital Services or XXXX XXXX will be included as co-defendants. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : Please provide me a Written Warranty of Ownership of my alleged debt by ANY company who claims to be the owner of this debt, signed by an individual employee of this XXXX who is responsible for accounting or bookkeeping. Please disclose if the Account receivable for this alleged debt was established and currently exists in books and records of ANY company who claims to be my XXXX. Please provide me a copy of account receivable LEDGER for this account receivable wet-ink signed by an individual employee of my Creditor who is responsible for collection and administration of my alleged debt. Please disclose how LVNV Funding, LLC, Resurgent Acquisitions LLC, Resurgent Capital Services or XXXX XXXX became my XXXX. If it was a purchase of this alleged debt, please provide me a proof of payment such as wire transfer receipt, ACH or cancelled check. Please provide me FULL mailing address and direct contact information for XXXX XXXX from Resurgent Capital Services since I can not issue them Summons to a XXXX XXXX XXXX Please provide me copies of Notices under FDCPA sent to me by these alleged XXXX where they intended to collect any money from me. What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; provide me a proof of purchase of my debt, if any Please provide me a copy of retainer and confirmation sale of my purported debt to LVNV Funding, LLC, Resurgent Acquisitions LLC, Resurgent Capital Services by XXXX. Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. Please provide me evidence if my Promissory Note as Appeared on the Application for the Credit was processed by XXXX in accordance with XXXX. Was it placed as a receivable to XXXX account to generate profits? If yes, please state how much profits were generated by using my signature on the XXXX as an XXXX on XXXX balance sheets. Please state if my promissory Note was securitized and sold to investors for cash and how much profits XXXX received by trading on my name, signature and reputation on the open markets. Please send me a document where it said that I allowed XXXX to use my name, signature and reputation to trade on the open market as a security to generate profits. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both XXXX XXXX XXXX XXXX Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character. If your offices are able to provide the proper documentation as requested, I will require at least XXXX XXXX to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within XXXX XXXX from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any XXXX parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Furthermore, This Notice is to inform you that I plan to file a legal action for violations of FDCPA and XXXX XXXXXXXX XXXX XXXX XXXX Act, 18 U.S.C 1961-1968. I demand you to put legal hold on all documents related to this alleged debt and transfers, including all origination documents ; and copies of all communication with any XXXX, LVNV Funding, LLC, Resurgent Acquisitions LLC, Resurgent Capital Services representative, including but not limited to letters, emails, faxes, ect. I want to stress out the importance of my request. When Companies facing litigation and regulatory or enforcement proceedings today, they must bear not only the enormous burdens of electronic discovery, but also the risk of increasingly expensive penalties for failing to preserve email and business records from the earliest possible moment after a dispute arises. Charges and liabilities for aiding and abetting wrongful conduct XXXX with these challenges, its is essential that your Companies issue litigation holds as soon as any type of formal legal proceeding is reasonably anticipated. Both, civil and Federal courts have held that the failure to design and implement an adequate litigation hold may constitute negligence. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a defendant was held in contempt of court for its failure to implement an adequate litigation hold. The court entered a default judgment and required the defendant to pay plaintiff 's costs and attorneys ' fees. Please be advised that I place a litigation hold on all and any documents. You must preserve and retain all paper files and electronically stored information that is related to this matter. In the paragraphs below, I have outlined my recommendations for ensuring that all potentially relevant evidence is preserved. I can not stress enough the importance of taking immediate actions to preserve this information as failure to take adequate steps to collect and preserve evidence, including electronic evidence, could result in severe sanctions being imposed by the XXXX for spoliation of evidence. I recommend that you take the following XXXX steps to ensure that all date, including electronic date, is preserved : XXXX. You should agree on XXXX person to take a lead in preserving all information potentially relevant to this matter. This person will insure that these steps are taken in their entirety, and that steps are not accidentally skipped because they all assume that the other is taking care of it. XXXX. You should develop a strategy for preserving ALL electronic data in their possession, including consulting an XXXX XXXX XXXX if necessary. You are required to preserve all electronic data, including but not limited to, emails, electronic documents ( such as documents created using XXXX XXXX, XXXX, XXXX XXXX and the like ) ; data generated by calendaring, task management, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; data created with the use of document management software ; all data created with the use of paper and electronic mail logging and routing software ; all Internet and Web browser generated history files, caches and cookies files ; all electronic activity logs ; and employee personal e-mail accounts. You must preserve all potentially relevant data, regardless of whether it is contained on business or personal computer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you automatically dispose of or recycle digital or paper files, digital back-up files/tapes ; or any other storage media ( possibly pursuant to a document retention policy ), I recommend suspending such program for the time being. We can then discuss which information should be preserved throughout the litigation. If your document retention policy previously resulted in the destruction of electronically stored information that can still be reasonably recovered, please recover this information immediately. If it is possible to recover information for a significant period of time, please contact me to discuss the relevant period of time for recovery. Once you have had an opportunity to consider the points raised in this letter, please contact me to discuss this matter in greater details. Sincerely, XXXX XXXX,
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| 09/21/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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The creditor and collection agent as fiduciaries breached good faith and fair dealings with agreements crafted by a corporation 's unlawful practice of law with the intent of unlawfully converting the subrogee 's chose-in-action and wilfully and knowingly deprived equitable interest, rights and ownership of the chose-in-acton when requested. The creditor/subrogor and collection agent turned a blind eye to the previous notices of subrogation and equitable interest with the most recent being XXXX. In the process Adverse action was taken by the creditor for attempting to assert my rights, the account was closed when rights to interest and redemption were communicated. One who seeks equity must do equity. Equity will not suffer a wrong without a remedy. Equity follows the law. Principal and Agent are vicariously liable for the other.
In this era when credit has become one of the instrumentalities of business to which men pay homage, intangible property rights must be considered when conversion is discussed. Stocks, bonds, evidences of debt, debentures, insurance policies, contracts and other choses-in-action play a prominent role in present-day credit economy. Conversion has been defined as a " wrongful interference over personal property, inconsistent with or in denial of the dominion of the person entitled to possession thereof. It is " any dealing with the property of another which excludes the owner 's dominion. '' The gist of conversion is the unauthorized assumption of the powers of the true owner. '' A " chose in action '' is a personal right not reduced to possession. For example, shares of stock, and debts represented by negotiable instruments and savings bankbooks are all choses in action. They are personal property rights, not reducible to immediate tangible possession, not capable of physical delivery ; but recoverable only in an action at equity or law.
Trover action will lie for the wrongful conversion of ... bonds, or other securities for the payment of money. This is true with regard to both negotiable and non-negotiable bonds. Even where bonds have been stolen, and a forged indorsement used to obtain new bonds from the corporation, the owner was allowed to recover the bonds from an innocent third party into whose hands the bonds had come. A bond being evidenced by a tangible writing, the courts have no trouble in finding the necessary dominion to allow an action for conversion. '' The underlying debt is immediately converted on the wrongful taking of a negotiable bond, and may be generally assumed to be converted in the case of a non-negotiable bond.
Trover is a legal action that a property owner can take to recover the value of personal property that was wrongfully taken. The plaintiff must show that they had title or possession of the property at the time the action was filed. The plaintiff can sue the person who first converted the goods, or anyone else to whom the goods were delivered. Trover is different from other remedies for wrongful taking because the plaintiff only recovers the value of the property, not the property itself. The plaintiff can sue the person who first converted the goods, or anyone else to whom the goods were delivered. Today, the tort of conversion has subsumed both trover and detinue, and a plaintiff can request legal relief ( money damages ) or equitable relief ( return of property ). See, e.g. Burgess v. Small, 117 A.2d 344 ( Me. 1955 ) It has been well settled beyond controversy under the power to borrow money on the credit of the United States, and to issue circulating notes for the money borrowed; when Congress borrowed We The Peoples private credit, it created a sovereign redemption and subrogation right in We The People and a breach of trust by the subrogors and mortgagees when they clog the We The Peoples right to redeem their collateral borrowed and the securities created on account by indorsement and interfere in commerce. It is against equity for freemen not to have the free disposal of their own property and financial assets.
NOTICE. I am aware, pursuant to Title 15 U.S.C. 78c, Section 10 the term security means any note, stock, treasury stock, security future, security-based swap, bond, debenture, certificate of interest or participation in any profit-sharing agreement or in any oil, gas, or other mineral royalty or lease, any collateral-trust certificate, preorganization certificate or subscription, transferable share, investment contract, voting-trust certificate, certificate of deposit for a security, any put, call, straddle, option, or privilege on any security, certificate of deposit, or group or index of securities ( including any interest therein or based on the value thereof ), or any put, call, straddle, option, or privilege entered into on a national securities exchange relating to foreign currency, or in general, any instrument commonly known as a security ; or any certificate of interest or participation in, temporary or interim certificate for, receipt for, or warrant or right to subscribe to or purchase, any of the foregoing ; but shall not include currency or any note, draft, bill of exchange, or bankers acceptance which has a maturity at the time of issuance of not exceeding nine months, exclusive of days of grace, or any renewal thereof the maturity of which is likewise limited. The promise to pay or promissory note with a maturity longer than nine ( 9 ) months created in this transaction is a security ; NOTICE. DEBT INSTRUMENT. In general Except as provided in subparagraph ( B ), the term debt instrument means a bond, debenture, note, or certificate or other evidence of indebtedness. Title 26 USC 1275 ( a ) ( 1 ) NOTICE. BOND. The term bond includes any obligation. Title 26 USC 150 ( a ) ( 1 ) ; NOTICE. BENEFIT. This word is used in the same sense as gain ( q. v. ) and profits. ( q. v. ) 20 Toull. N. 199 ; NOTICE. BENEFICIARY. This term is frequently used as synonymous with the technical phrase cestui que trust. ( q. v. ) ; NOTICE. BENEFICIAL INTEREST. That right which a person has in a contract made with another, as if A makes a contract with B that he will pay C a certain sum of money, B has the legal interest in the contract, and C the beneficial interest. Hamm. on Part 6, 7, 25 2 Bulust. 70 ; NOTICE. I am aware, pursuant to 17 CFR 240. 13d-3. ( b ) Any person who, directly or indirectly, creates or uses a trust, proxy, power of attorney, pooling arrangement or any other contract, arrangement, or device with the purpose of effect of divesting such person of beneficial ownership of a security or preventing the vesting of such beneficial ownership as part of a plan or scheme to evade the reporting requirements of section 13 ( d ) or ( g ) of the Act shall be deemed for purposes of such sections to be the beneficial owner of such security ; essentially the right to subrogation to the securities has been deprived ; NOTICE. I am aware, pursuant to 17 CFR 240.8c-1 Hypothecation of customers ' securities ( a ) General provisions. No member of a national securities exchange, and no broker or dealer who transacts a business in securities through the medium of any such member shall, directly or indirectly, hypothecate or arrange for or permit the continued hypothecation of any securities carried for the account of any customer under certain circumstances ; NOTICE. Use of the Beneficiarys Private Credit for backed credits or choses in action by indoserment, creating securities as an accommodating party establishes a TRUST IN INVITUM raised by operation of law without the consent of the trustee. Such a Trust Arises where Goods have been stolen or Converted to the Use of the TAKER and sold, with respect to the PROCEEDS, whether such proceeds are in the form of money or other property purchased therewith, and equity will in such cases enforce a Trust In Invitum in the original taker or in his assignee with NOTICE. Likewise, where a TRUSTEE or OTHER FIDUCIARY has Misapplied Trust Funds a like Trust will be RAISED. Where a trust fund has been perverted, the cestui que trust can follow it at law as far as it can be traced. - United States v. State Bank, 96 U.S. 30 ( 1877 ) NOTICE. When it comes to accounts Article 9 of the Uniform Commercial Code has always applied to the sale of accounts. Revised Article 9 continues this rule in North Carolina 25-9-109 ( a ) ( 3 ). Former Article 9 defined accounts to include payment obligations arising out of only the sale of goods or the provision of services. Under the former law, this left many kinds of payment rights within the definition of general intangible. The sale of these types of payment rights often serves as a financing transaction, but former Article 9 did not apply to these transactions. Revised Article 9 broadens the definition of accounts to include : Payment obligations arising out of the sale, lease or license of all kinds of tangible and intangible personal property ( for example, account will include license fees payable for the use of software ), and Credit card receivables.
The sale of a payment intangible often functions as a financing transaction. Revised Article 9 brings certainty to these transactions by bringing the sale of a payment intangible into the scope of Article 9. However, to permit financial institutions that sell loan participations to avoid having a UCC-1 financing statement filed against them as debtors, Article 9 provides for the automatic perfection of a security interest created upon the sale of a payment intangible ( but not a security interest in a payment intangible given to secure an obligation ). G.S. 25-9-309 ( 3 ).
NOTICE. EQUITY CONCERNS ITSELF WITH SUBSTANCE AND NOT FORM. Equitable Subrogation is forward-looking rooted in the equity maxim... equity regards done what ought to be done. Equitable subrogation is not founded upon contract, but is the creation of equity, and is enforced solely for accomplishing the end of substantial justice. It is the mode by which equity adopts to compel the ultimate payment of a debt by one who, in justice and good conscience, ought to pay. Equity delights in equality. Equity knows no time. Equity aids the vigilant, not those who slumber on their rights.
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| 10/21/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX number ( XXXX ) XXXX Phone number ( XXXX ) XXXX Subject : I- Request for Documentation in Compliance with CFPB Debt Collection Regulations II- Request for Documentation in Compliance withFair Debt Collection Practices Act ( FDCPA ) III- Notice of Formal Dispute In accordance with the Fair Credit Reporting Act it is my belief that among many issues depicted below you LVNV Funding LLC have violated my rights under 15 USC 1681 602 states I have the right to privacy pursuant to 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Under 15 USC 1666 b LVNV Funding LLC may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
In accordance with Disclosures to consumers [ 15 U.S.C. 1681 et seq, I request that the information regarding this account be Verified by LVNV Funding LLC with ALL documents requested below or Removed Information on file ; sources ; report recipients.
Pursuant To Fair Credit Reporting Act, 15U.S.C. 1618 et seq, I am requesting that the information regarding my personal information and accounts disputed be verified Or REMOVED from my credit report Pursuant to FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you LVNV Funding LLC are required to provide me ALL relevant information Documentation and proof gathered during your investigation Pursuant to FCRA section ( a ) ( 6 ) ( b ) ( ii ) if you choose Not to remove this disputed information than you are required to provide notice of your decision and include ALL documents used during the investigation LVNV Funding LLC Repeatedly Refused to verify this debt LVNV Funding LLC Repeatedly invaded my privacy by unjustifiably intruding into my personal life without my consent LVNV Funding LLC has Repeatedly, unjustifiably, intentionally deformed my character in public LVNV Funding LLC has violated federal law by improperly using my personal information in my credit report LVNV Funding LLC has Threatened to ruin my life and my reputation by keeping this collection in my credit Dear LVNV Funding ( LLC ) Account # XXXX I am responding to your many contacts about a debt you are trying to collect You have repeatedly contacted me and demanded that I pay {$540.00} As it shows below ( per my credit report ) Experian credit report : Prepared For XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX LVNV FUNDING LLC {$540.00} Account name LVNV FUNDING LLC Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$540.00} past due Status updated XX/XX/XXXX Balance {$540.00} Original balance $ XXXX Monthly payment - XXXX Past due amount {$540.00} Terms 1 Month Responsibility Individual Dear LVNV FUNDING LLC Please supply the information below By Law you are required to report negative personal information with Maximum Accuracy ****Pursuant to 15 usc 1692g Please Provide proof and ALL documentation for your in depth investigation on this Inaccurate information/Account or Remove it from my credit report Immediately, Including but not limited to : 1- My signature on the contract for this debt 2-Chain of title for this debt 3-Chain of title that gives LVNV FUNDING LLC legal authorisation to collect on this debt 4-Detailed list of the payment history made by me on this account 5-Any and ALL insurance claims filed on this debt 6- Original signed contract that shows I am responsible for this debt 7-My credit application for this debt 8-Provide verification and documentation about why this is a debt that I am required to pay To LVNV FUNDING LLC 9-Proof that you have the legal authority to collect on this debt 10- Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
The amount and age of the debt, including : 1-A copy of the last billing statement sent to me by the original creditor.
2-State the amount of the debt when you obtained it, and when that was.
XXXX Have there been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount.
4-In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
5-Have there been any payments or other reductions since the last billing statement from the original creditor, 6-provide an itemization showing the dates and amount of each of them.
7-Have there been any other changes or adjustments since the last billing statement from the original creditor?
8- Please provide full verification and documentation of the amount you are trying to collect.
9-Explain how that amount was calculated.
10- In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
11-Tell me when the creditor claims this debt became due and when it became delinquent and How and why 12-Tell me when you think the statute of limitations expires for this debt, 13 -Provide documentation that proves the statue of limitation and how you determined determent it Details about your authority to collect this debt.
1-Does your firm have a debt collection license from my state? If not, say why not.
2-If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
3- If you are contacting me from a place outside my state, does your firm have a debt collection license from that place?
4-If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Pursuant to 5U.S.C. 552 a ( i ) ( 3 ) i am requesting this disputed item to be removed from my credit report Immediately Since you have failed to comply with 5U.S.C. 552 a ( i ) ( 3 ) by failing to maintain my records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall Not use such record LVNV FUNDING LLC FAILED and once again REFUSED to remove the account from my credit report even though they Failed to Validate it In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
****Please Remove this debt from my credit report Immediately What would be fair Resolution 1- LVNV FUNDING LLC to provide all above described documents to validate this debt 2- If LVNV FUNDING LLC does not provide above documents to validate this debt LVNV FUNDING LLC to remove Immediately this negative improper inaccurate derogatory information from my credit report 3- LVNV FUNDING LLC be held accountable for - Inaccurate, false statement made in my credit report - Damaging my reputation with the derogatory statements- Punitive damages 4- LVNV FUNDING LLC be held accountable for refusing and failing to provide the above documents after my complaint with CFPB and responding to this complaint without resolving /validating / providing documents above described necessary to validate the debt 5- LVNV FUNDING LLC be fully investigated and held accountable for praying on senior citizens like myself defrauding senior citizens like myself and getting away with it by not providing the documents as required to validate the False/inaccurate debt Notice of Formal Dispute I am writing to formally dispute the amount of {$540.00} that you claim I owe. I am currently disputing the validity and accuracy of this debt and demand that you either provide all the necessary documentation as required by the Consumer Financial Protection Bureau ( CFPB ) and the Fair Debt Collection Practices Act ( FDCPA ), or DELETE the debt from your records.
It is my believe that among other issues LVNV Funding LLC is in Violation of all below Underlined in Bold : Fair Debt Collection Practices Act ( FDCPA ) : Debt collectors must comply with the provisions outlined in the FDCPA, a federal law governing debt collection practices. It prohibits abusive, deceptive, or unfair practices and sets guidelines for communication, validation of debts, and disclosure of rights to consumers.
Validation of Debts : Upon receiving a debt collection request, debt collectors must provide consumers with written validation of the debt. This validation should include details such as the amount owed, the original creditor, and information on the consumer 's rights to dispute the debt.
Dispute Resolution : Debt collectors must provide a mechanism for consumers to dispute the debt and request verification. They must investigate and respond to consumer disputes within a reasonable timeframe.
Prohibited Practices : Debt collectors are prohibited from engaging in certain practices, such as misrepresenting the debt amount, falsely implying legal action, or threatening actions they can not legally take. They must provide accurate and truthful information to consumers.
***I demand that you either provide ALL the above documents as per CFPB and Fair Debt Collection Practices Act ( FDCPA ) or DELETE the debt ***In the absence of providing the requested documentation, I demand that you DELETE the debt from your records and cease any further collection efforts associated with it.
Please note that the CFPB regulations require you to provide the requested documentation within 30 days of receiving this written request.
I appreciate your attention to this matter and your prompt response. If you have any questions or need further clarification, please do not hesitate to contact me at the phone number or email address provided above.
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| 09/10/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. I have never engaged in an agreement with this company, nor have I given them written authorization to report this information to any consumer reporting agency. Furthermore, they are communicating with me both directly and indirectly to attempt to collect an alleged debt which violates FDCPA laws. To be more specific, 15 USC 1692f ( 1 ) and 15 USC 1692c. I have a right to privacy pursuant to the privacy act of 1974 and this company did not get my permission to use my social security number causing me massive damages. I could not purchase a home, a new vehicle or gain new credit. The following are additional federal laws that have been broken in pursuit of this alleged obligation.
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location ; 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 12 CFR 1006.34 Notice for validation of debts.
( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
12 CFR 1006.14 Harassing, oppressive, or abusive conduct.
( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section.
( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
12 CFR 1006.18 False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.
( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).
( iii ) Any individual is an attorney or that any communication is from an attorney.
( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.
( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.
( vi ) Accounts have been turned over to innocent purchasers for value.
( vii ) Documents are legal process.
( viii ) Documents are not legal process forms or do not require action by the consumer.
( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.
( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.
12 CFR 1006.22 Unfair or unconscionable means.
( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.
( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.
12 CFR 1006.30 Other prohibited practices.
( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
5 U.S. Code 552a - Records maintained on individuals
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| 10/02/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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RE : Account Number Ending XXXX To Whom It May Concern : This letter is being sent to you in response to multiple requests to LVNV Funding LLC ( XXXX Resurgent Capital Services ) for numerous FDCPA violations. This is not an admittance that I owe the stated debt but rather exercising my right to challenge questionable information found on my personal credit reports.
1. LVNV Funding LLC ( dba Resurgent Capital Services ) has repeatedly ignored my request for proper Debt Validation via my request for a Detailed Full Account Summary Report since the Origination Date of the Loan with the Original Creditor.
a. An Account XXXX Report fabricated by Resurgent Capital Services is not a legal validation of debt. Documentation clearly states : This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor.
b. LVNV Funding LLC ( dba Resurgent Capital Services ) continues to state that the Charged Off Balance is {$3800.00} and the current Account Balance is {$3000.00}. To date, LVNV Funding LLC ( dba Resurgent Capital Services ) has not provided a Detailed Account Summary of the Outstanding Balance for {$3000.00} from the original creditor. I am requesting an original full detailed account summary from Loan Origination Date ( Original Creditor ) until current date which includes payments, interest, fees, etc. ( See attached document ) 2. In a Demand Notice ( See attachment ) from XXXX XXXX LVNV Funding LLC, debt collector states : a. The account went into default on XX/XX/XXXX b. It was charged off on XX/XX/XXXX 3. On XX/XX/XXXX, LVNV Funding LLC ( XXXX Resurgent Capital Services ) responded to a XXXX Consumer Complaint that states ( See attachment ) : a. The referenced account originated on XX/XX/XXXX with WebBank.
b. The account charged off on XX/XX/XXXX with a balance of {$3800.00}.
c. The last payment in the amount of {$140.00} was received on XX/XX/XXXX. I do not have any record of payment. How is it possible that I made a payment AFTER charge-off?
d. Per LVNV Funding LLC ( dba Resurgent Capital Services ), the current account balance is {$3000.00} e. The attached information presents confusion causing an unsophisticated consumer to be concerned which of the alleged amounts due is accurate. When that information is presented in arguably confusing manner, it could influence the consumers decision on what to pay. ( See attached documentation from the original credit service provider, XXXX XXXX ) 4. As per an opinion letter published by the FTC, reporting the collection to the credit bureaus is considered continued collection activity. LVNV Funding LLC XXXX XXXXXXXX Resurgent Capital Services ) is continuing with violations of the FDCPA for continuing to report invalidated and false debt information and is subject to a fine of {$1000.00} per each violation which can be collected in small claims court.
5. Reporting false information to the credit bureaus has already resulted in defamation of my character and is negatively impacting my ability to get the best mortgage rates which I can prove in the court of law. As a matter of contract law, I am entitled to know the full accounting summary of the amount that is being claimed that I owe as well as the chain of assignment from the original creditor.
LVNV Funding LLC has the burden to prove that I am responsible for the correct debt amount. To meet this burden, LVNV Funding LLC must show how it came to acquire it. The sale or assignment of a debt from the original creditor to a new creditor must sufficiently identify my particular debt to be valid.
To prove that the alleged debt is attributable to me, LVNV Funding LLC must prove the establishment of that debt. This usually means producing an original contract and a chain of assignment as well by showing a complete original accounting of the alleged balance. This generally includes a full set of original account statements.
The burden of proof is on LVNV Funding LLC to show it owns the debt and to show that I am liable for the correct amount LVNV Funding LLC asserts that I owe. The current creditors say-so is not enough to persuade me that the correct debt amount is actually owed. LVNV can not claim custodian testimony under the business records exception to the hearsay rule. Its custodian may be familiar with its business records. The business records exception does not create a documentary record where one does not exist.
I am requesting that LVNV Funding LLC provide full verification and documentation of the amount that the current creditor is trying to collect and how the amount was calculated including any adjustments since it does not match the alleged charge-off amount nor any of the documentation submitted by the previous credit servicer of the account, XXXX XXXX XXXX
In a court of law, the current creditor must show you that it has title to the alleged debt amount. How do I protect myself from fraudulent claims? I want to see the chain of title to make sure there is good title from the original creditor. At a minimum, they must show me the Purchase Agreement where they supposedly bought my debt, and they will have to show that my debt was included in the Purchase Agreement.
Leaving false information on my credit reports or parking an account is considered continued collection activity on an invalidated account and is an FDCPA violation. Leaving or parking this false information on my credit reports is currently preventing me from getting the best rates on credit approvals.
I have disputed this false account balance with the consumer reporting agencies ( XXXX, XXXX, and XXXX XXXX ) using a Fair Credit Reporting Act dispute ( FCRA ) and it has been updated as verified by LVNV Funding.
Under FDCPA, I have the right to sue LVNV Funding for putting false information on my credit report with no proof of the alleged balance since I have already disputed with the credit reporting agencies. Since the credit bureaus and LVNV Funding did not follow the law then I have the option to sue them under FCRA and FDCPA violations.
According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to ask for a proper validation of the debt that LVNV Funding LLC ( dba Resurgent Capital Services ) claim I owe per 15 USC1692g Sec.809 ( b ) of the FDCPA.
In summary, I am requesting the following documentation from LVNV Funding LLC ( dba Resurgent Capital Services ) : 1. Chain of Assignment Not Proven : The debt buyer must provide reliable documentation to validate ownership and to prove the entire unbroken chain of assignment from original creditor ( WebBank ) to current creditor ( LVNV Funding LLC ). Terms and conditions governing the Bill of Sale including any representations, warranties and disclaimers are necessary.
2. Account Stated Not Proven : Account stated requires that a new relationship between LVNV Funding LLC ( XXXX Resurgent Capital Services ) and myself exists and an agreement to pay the correct amount which requires proof of prior transactions or an implied agreement to the correct alleged amount due. Therefore, it is necessary for debt collector to prove its status as the assignee.
3. Original Contracts : The debt buyer must provide reliable documentation to prove the terms and conditions of underlying contracts including authenticated copies showing that the alleged debt is accurate. The lack of account details makes tying the assignments to the alleged debt impossible. Without terms and conditions of the original contract, it is impossible to prove contractual rights to issue payments to LVNV Funding LLC ( XXXX Resurgent Capital Services ).
4. Full Accounting of Alleged Debt from Original Creditor : Without full accounting of how all charges and payments were allocated, it is assumed that LVNV Funding LLC ( dba Resurgent Capital Services ) is providing misleading statements and omissions in accurate balances owed. Supporting documentation will dis-prove any intentional deceptions, errors, or omissions in accurate data.
XXXX XXXX XXXX ( previous credit service provider for WebBank ) repeatedly agreed to multiple settlement offers and then for no valid reason would terminate the agreements as I now understand is a FDCPA violation. Per the attached copies, you can see that an unsophisticated person would not be able to verify the accurate balance due since it appears that interest and fees were added each time that XXXX illegally terminated the settlement agreements in order to falsely inflate the outstanding balance.
b. In addition, LVNV Funding states : The last payment in the amount of {$140.00} was received on XX/XX/XXXX. I do not have any record of payment. How is it possible that I made a payment AFTER charge-off? In addition, I am including emails from XX/XX/XXXX, thru XX/XX/XXXX, which shows the same account balance due and does not reflect any payments on XX/XX/XXXX.
XXXX XXXX was continuing to collect on outstanding balances AFTER the account charged off dated XX/XX/XXXX, with multiple balances due that do not match the alleged charge off amount of {$3800.00}. ( See attached Settlement Agreements and Collection Notices ) 5. Proof of Personal Knowledge : To meet its burden, the proof submitted by LVNV Funding LLC must be based on personal knowledge. Personal knowledge means that the person offering the evidence on behalf of LVNV Funding LLC must be a witness to the event shown in a particular document. The person offering the evidence must have personal knowledge of how the information got there, how it is generated and how it is maintained. That person must have personal knowledge of the computer system and how it operates. If this person does not have personal knowledge, the documentation is hearsay, and it can not be used.
|
| 03/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
The debt was owed to XXXX XXXX Bank.
XXXX XXXX sent me emails on behalf of XXXX that was said working for XXXX XXXX Bank I told him what monthly payments I could afford in XXXX He and XXXX said it wasn't enough The Credit card from XXXX XXXX Bank had a limit and maybe insurance I CAN'T RECALL IF THE CARD HAD INSURANCE..
After I talked with XXXX XXXX Bank in XXXX telling them XXXX XXXX said XXXX wouldn't accept payments at the amount I offered XXXX XXXX Bank said there was still time to pay them and I cam send them that amount.
I told them XXXX XXXX and XXXX won't accept those payments..
I am rather sure I gave XXXX XXXX Bank my new address..
I had moved in XXXX I filed my taxes at my addresses in XXXX and XXXX I filed qnd obtained other credit cards VISA CREDIT CARDS I UPDATED MY ADDRESS WITH MY REGULAR LOCAL BANK that bank I had before XXXX and it's the same Bank I had when MY XXXX XXXX Bank card was XXXX
I have a screen shot of the email of my offer to XXXX XXXX ( for XXXX ) XXXX and XXXX XXXX representing LVNV FUNDING LLC https : //www.stengerlaw.com/ filed a summons for my appearance I was told in that paperwork to tell XXXX and XXXX XXXX the XXXX XXXX XXXX the filed the court case was correct or not.. Case # XXXXXXXX XXXX XXXX Judicial court..being that it was my old address I did not receive that address quickly I did receive it before court I did call and message XXXX and XXXX...
I don't know if it's illegal that MY DRIVERS LICENSE SHOWS MY CURRENT ADDRESS MY VOTER 'S REGISTRATION SHOWS MY CURRENT ADDRESS -- -- -- -- -- -- -- - SO I MESSAGED XXXX AND XXXX TODAY I MESSAGED THEM VIA XXXX WEBSITE THEIR WEBSITE REFUSES TO LET ME SEND SCREEN SHOTS OF EMAILS I WILL HAVE TO FAX THE EMAILS XXXX XXXX SENT AND THE EMAILS I SENT XXXX XXXX AND XXXX -- I have informed XXXX XXXX Bank XXXX that according to XXXX, XXXX XXXX, and your lawfirm. Out of all XXXX of you. YOUR FIRM said to a court you don't have my correct address. I told XXXX your Firm said you don't have my correct address The Default Judgment CASE # XXXXXXX XXXX XXXX XXXX XXXX XXXXXXX I have sent XXXX XXXX ( FROM XXXX ) a screen shot of the payment I offered AND ITS DATE...
IT WAS AN EMAIL I SCREEN SHOTTED AND EMAILED HIM AN HOUR AGO..
that email was in XXXX I called XXXX XXXX Bank after talking to XXXX and XXXX XXXX in XXXX Do you think I gave XXXX XXXX Bank my current address..?
Of course I did IN XXXX Plus my credit report was up to date with Visa and banks showing my correct address ON MY CREDIT REPORT Do you think a higher court will belive out of all XXXX of you none are computer savvy enough to know how to find my correct address?
Do you think jurors will belive a debt collector CAN NOT FIND THE NEW ADDRESSES OF THOSE THAT OWE THEM? WHY GO IN TO BUYING DEBT FOR XXXX THAT SEEMS LIKE IT WOULD FAIL INVESTORS- DO YOU TELL INVESTORS YOU DONT SPEND A SINGLE XXXX TO FIND NEW ADDRESSES OF THOSE WHOS DEBT YOU ARE BUYING???
I WILL TELL YOUR INVESTORS YOU HAVE NO WAY TO FIND THEIR NEW ADDRESSES AND SO CAN THAT COURT YOU LIED TO THAT A DEBT COLLECTOR IS NOT COMPUTER SAVVY YET TAKES PEOPLE TO COURT ONLINE? YOU TELL YOUR INVESTORS YOU SPENT NO TIME TRAINING TO FIND THOSE THAT OWE I THINK THATS A LIE I shared my current address online on my XXXX ACCOUNT IN PERSONAL INFO LAST YEAR XXXX XXXX MESSAGED ME AT XXXX I HAVE HIS EMAIL XXXX XXXX BANK APP HAD XXXX STAR REVIEW FROM ME UNTIL YOUR FIRM DID THAT IN COURT your firm proved what the proved...
Yet might might VISA- XXXX XXXX BANK say they were already told by me I wanted to make payments on the phone..
I was already making payments to other credit cards a simple credit check would show that.
I informed XXXX Play that THEY MAKE APPS ABIDE BY XXXX XXXX that means APPS are not to steal OR CHEAT their customers...
Do you think the court 's that represent investors or share holders that loss money due to banking fraud or lawyers that manipulate AND DECIEVE REPRESENTS CREDIT XXXX BANK...
Your law firm wants people to believe that and no APPS from XXXX Play to run credit reports and check for new addresses YET YOUR FIRM WOULD NEVER BE ABLE TO COLLECT FOR CHILD SUPPORT PAYMENT OR FIND THOSE THAT OWE...
What your firm has done is very deceitful..
I will have to share XXXX XXXX 's message with other to find out if there is a way to take that to a higher court.
You said my address was XXXXXXXXX YET IT WAS XXXX after your firm did that another firm tried that to send a summons to the wrong address.. I sent a screenshot showing in an email they sent it has my correct address listed with debt..
Do you want a screen shot of their website the next day stating my balance is XXXX dollars.
Do you think that's a way to admit WHAT YOU DID IS GOING TO COST YOU..
BECAUSE THE OTHER COLLECTOR TRIED THE SAME TACTIC YOUR DIRM TROED ONLINE THE VERY NECT MONTH YOUR FIRM POSTED THAT JUDGEMENT QND SHARED ITS TACTICS ON HOW TO DO THAT...
WHAT WAS DIFFERENT WITH THE OTHER VISA DEBT COLLECTOR?
I GUESS NOTHING...
EXCEPT THEY ARE LESS DISHONEST AND DIDNT WANT TO DEFRAUD THE COURTS I TOLD THE OTHER XXXX I'LL PAY THEM...
YET THEIR RESPONS WAS A XXXX DEBT ON XXXX XXXX
WHY DID YOU WIN????
DID YOU??
DID XXXX WIN ANY MONEY???
CAN XXXX DO WHAT YOUR FIRM DID???
DOES YOUR FIRM USE XXXX APPS TO CHECK CREDIT REPORTS AND ADDRESSES??
ARE THEY NOT GOING TO ABIDE BY XXXX XXXX XXXX HOW APPS LINK UP WITH ADDRESSES IS MY ADDRESS NOT ON XXXX IS MY CURRENT # NOT ON XXXX YET YOU COLLECT DEBT XXXX XXXX CHECK ONLINE APPS LIKE XXXX have informed Credit XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX lawfirm. Out of all XXXX of you. YOUR FIRM said to a court you don't have my correct address. I told XXXX your Firm said you don't have my correct address The Default Judgment CASE # XXXXXXXX XXXX XXXX XXXX XXXX XX XXXX I have sent XXXX XXXX ( FROM XXXX ) a screen shot of the payment I offered AND ITS DATE...
IT WAS AN EMAIL I SCREEN SHOTTED AND EMAILED HIM AN HOUR AGO..
that email was in XXXX I called XXXX XXXX Bank after talking to XXXX and XXXX XXXX in XXXX Do you think I gave XXXX XXXX Bank my current address..?
Of course I did IN XXXX Plus my credit report was up to date with Visa and banks showing my correct address ON MY CREDIT REPORT Do you think a higher court will belive out of all XXXX of you none are computer savvy enough to know how to find my correct address?
Do you think jurors will belive a debt collector CAN NOT FIND THE NEW ADDRESSES OF THOSE THAT OWE THEM? WHY GO IN TO BUYING DEBT FOR XXXX THAT SEEMS LIKE IT WOULD FAIL INVESTORS- DO YOU TELL INVESTORS YOU DONT SPEND Q SINGLE XXXX TO FIND NEW ADDRESSES OF THOSE WHOS DEBT YOU ARE BUYING???
I WILL TELL YOUR INVESTORS YOU HAVE NO WAY TO FIND THEIR NEW ADDRESSES AND SO CAN THAT COURT YOU LIED TO THAT A DEBT COLLECTOR IS NOT COMPUTER SAVVY YET TAKES PEOPLE TO COURT ONLINE? YOU TELL YOUR INVESTORS YOU SPENT NO TIME TRAINING TO FIND THOSE THAT OWE I THINK THATS A LIE I shared my current address online on my XXXX ACCOUNT IN PERSONAL INFO LAST YEAR XXXX XXXX MESSAGED ME AT XXXX I HAVE HIS EMAILS XXXX XXXX BANK APP HAD XXXX STAR REVIEW FROM ME UNTIL YOUR FIRM DID THAT IN COURT your firm proved what the proved...
Yet might might VISA- XXXX XXXXXXXX BANK say they were already told by me I wanted to make payments on the phone..
I was already making payments to other credit cards a simple credit check would show that.
I informed XXXX Play that THEY MAKE APPS ABIDE BY XXXX XXXX that means APPS are not to steal OR CHEAT their customers...
Do you think the court 's that represent investors or share holders that loss money due to banking fraud or lawyers that manipulate AND DECIEVE REPRESENTS XXXX XXXX BANK...
Your law firm wants people to believe that and no APPS from XXXX Play to run credit reports and check for new addresses YET YOUR FIRM WOULD NEVER BE ABLE TO COLLECT FOR CHILD SUPPORT PAYMENT OR FIND THOSE THAT OWE...
What your firm has done is very deceitful..
I will have to share XXXX XXXX 's message with other to find out if there is a way to take that to a higher court.
You said my address was XXXXXXXXXXX YET IT WAS XXXX after your firm did that another firm tried that to send a summons to the wrong address.. I sent a screenshot showing in an email they sent it has my correct address listed with debt..
Do you want a screen shot of their website the next day stating my balance is XXXX dollars.
Do you think that's a way to admit WHAT YOU DID IS GOING TO COST YOU..
BECAUSE THE OTHER COLLECTOR TRIED THE SAME TACTIC YOUR DIRM TROED ONLINE THE VERY NEXT MONTH YOUR FIRM POSTED THAT JUDGEMENT AND SHARED ITS TACTICS ON HOW TO DO THAT...
WHAT WAS DIFFERENT WITH THE OTHER VISA DEBT COLLECTOR?
I GUESS NOTHING...
EXCEPT THEY ARE LESS DISHONEST AND DIDNT WANT TO DEFRAUD THE COURTS I TOLD THE OTHER XXXX I'LL PAY THEM...
YET THEIR RESPONS WAS A XXXX DEBT ON XXXX XXXX
WHY DID YOU WIN????
DID YOU??
DID XXXX WIN ANY MONEY???
CAN XXXX DO WHAT YOUR FIRM DID???
DOES YOUR FIRM USE XXXX APPS TO CHECK CREDIT REPORTS AND ADDRESSES??
ARE THEY NOT GOING TO ABIDE BY XXXX XXXX XXXX HOW APPS LINK UP WITH ADDRESSES IS MY ADDRESS NOT ON XXXX IS MY CURRENT # NOT ON XXXX YET YOU COLLECT DEBT AND DONT CHECK ONLINE APPS LIKE XXXX
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
For years I have an account XXXX XXXX XXXX that was closed for reasons of incorrect information, balance, date, etc. Then over time it was given to a COLLECTION AGENCY CALLED XXXX AFTER DISPUTING IT THROUGH XXXX XXXX WITH NO HELP, IT STARTED APPEARING TWICE ON MY REPORT BUT WITH A BALANCE JUST A COUPLE DOLLARS DIFFERENT. IN THE LAST COUPLE YEARS IT HAS BEEN SOLD TO OR TAKEN OVER BY LVNV FUNDING LLC. i HAVE BEEN DISPUTING THIS ISSUE FOR YEARS. Check if you should dispute. You can remove an incorrect collection with a dispute. It only takes a few taps and can help your score.
1 ) LVNV FUNDING LLC {$1200.00} Needs attention 2 ) HIGH IMPACT LVNV FUNDING LLC {$1200.00} Past complaints : Past Disputes XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1000.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report.
Dispute Reason Ownership : I have no knowledge of this account.
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report.
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX.
Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1000.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report.
Dispute Reason Ownership : I have no knowledge of this account.
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report.
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX.
Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1000.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report.
Dispute Reason Accuracy : There were fraudulent charges made on this account.
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report.
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX.
Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1000.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report.
Dispute Reasons Accuracy : This account is settled.
The creditor agreed to delete this account.
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report.
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX.
Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX Completed XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report.
Dispute Reason Ownership : I am no longer liable for this account.
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report.
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX.
Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX Completed XXXX XXXX Reported on XXXX XXXX, XXXX {$1800.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report.
Dispute Reason Ownership : I am no longer liable for this account.
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report.
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX.
Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX Completed XXXX XXXX Reported on XXXX XXXX, XXXX {$1800.00} Item Results Result : Based on your dispute request, XXXX has included new information on your XXXX credit report.
Dispute Reason Ownership : I am no longer liable for this account.
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report.
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX.
Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights Needs attention HIGH IMPACT
|
| 03/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
First and foremost, XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ), and its client LVNV Funding LLC ( Plaintiff ), are pursuing the wrong party ; I am not the person that owes the debt and have unimpeachable proof.
On XX/XX/XXXX, I received a letter from XXXX XXXX with included information about the subject debt, followed by a 100 % false statement : Despite our previous request for payment in the above-referenced matter, there remains a balance due, and you have not established an acceptable payment plan with us.
The implication was that Plaintiff or XXXX XXXX had previously requested payment for the debt from me, which is false. Aside from the fact that the debt is not mine, the fact I was never contacted previously about this debt negates the possibility that I would have established a payment plan especially because its not my debt. Because I had never previously had any contact with XXXX XXXX or Plaintiff, the entire letter was a total fabrication. To this day, I have no idea why Plaintiff picked me out of the hundreds of similar names in existence ; its not an unusual name.
I suspected this was a scam. Using the Fair Debt Collection Practices Act ( FDCPA ) as a guide, I responded in a letter dated XX/XX/XXXX, via Certified Mail, requesting five documents of proof knowing that Plaintiff could not ( without fraudulent activities ) prove I am the debtor because, as I said, I am not the debtor.
Those five items were : 1. The name and address of the original creditor, the account number, and the amount owed.
2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.
3. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.
4. Proof that collection of this debt is within the statute of limitations and how that was determined.
5. Details about XXXX XXXX authority to collect this debt : whether they are licensed in my state and if so, provide the date of the license, name on the license and the license number, and the name, address and telephone number of the state agency issuing the license. If XXXX XXXX is contacting me from outside my state, provide the licensing information from XXXX XXXX state as well.
And of those five, the only document and the only other contact with XXXX XXXX or Plaintiff prior to being served a summons was the name and address of the original creditor, the account number, and the amount owed, and proved to be highly exculpatory, demonstrating Plaintiff and XXXX XXXX were not pursuing the correct person. It came neither from the XXXX XXXX nor the Plaintiff, but from Resurgent Capital Services ( Servicer ), an apparent servicing company working for the Plaintiff. That letter, dated XX/XX/XXXX, included a document created entirely by Servicer naming me the debtor on one page ; the other document provided was a copy of a XXXX XXXX Bank charge card ( Bank Card ) statement for the period ending XX/XX/XXXX, Account Number XXXX XXXX XXXX in the name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. That is not how I spell my name and that address is 120 miles from where I live.
I received none of the other documents requested in my XX/XX/XXXX letter prior to being served the summons. Much has still not been provided. Servicer has sent me the same document ( s ) three times. Importantly, I never received any verification that there is a valid basis for claiming that I, XXXX XXXX of XXXX, Illinois, is required to pay this debt. In the entire history of this case, I had received three contacts from the XXXX XXXX : the original XX/XX/XXXX letter, the summons which was personally served to me XX/XX/XXXX, and an email response stating they do nothing by email after I had emailed them for more information. No phone calls, no emails, no verification, nothing, ever. I never received anything at all from Bank Card because we never had a Bank Card account. They would have had zero reason to contact me.
As I understand the requirements of the FDCPA, the Plaintiff was required to provide me all of the documents requested in my XX/XX/XXXX letter prior to taking court action. Because nothing besides the exculpatory document was provided prior to filing suit, it seems Plaintiff and XXXX XXXX are therefore in violation of that act.
Aside from violation of the FDCPA, the most pertinent issue is, as I have previously stated, I am not, nor is my wife, the person that owes this debt. Neither my wife nor I have lived in XXXX XXXX, nor have we been employed in that area. In fact, after finding it on an Illinois map, we do not think we have ever set foot in or even driven through XXXX XXXX. We have lived and owned homes in XXXX, IL for the past 48 years our entire adult lives- with no break in residency. XX/XX/XXXX marked my familys fortieth anniversary living in our current house at XXXX XXXXXXXX XXXX XXXX, Illinois. I have proof. ( Copies of the original real estate transaction, real estate tax payments, utility bills, drivers licenses, passports, credit card bills and other documents ).
And once again, I have never received any verification that I am somehow liable for the debtor with the similar name as mine from XXXX XXXX, Illinois.
With a credit score of over 800, I have reports from the three major credit bureaus as proof of my honesty, integrity, reliability, and creditworthiness. Most importantly there is a total absence of a Bank Card account listing or any mention of a past due Bank Card account on those credit bureau reports because we never had a Bank Card account.
I dont spell my name the same way as in this charge. I have never used the spelling of the debtor who owes this debt. Therefore, I do not have an AKA as XXXX as the plaintiff claims.
At this time, I must note that in the complaint, the attached exhibit of the Bank Card statement in which the original name and address of the correct debtor should be listed, that information has mysteriously been deleted or covered upon copying. The complaint was signed by a XXXX XXXX attorney under penalty of perjury and stated that the attached bank statement displayed my name and address, a falsehood. Any reasonable person would interpret this falsehood as improper at the very least ; some might say its even fraudulent. The reason it was covered up obviously is because the name and address on the original un-doctored document is exculpatory and doesnt fit the plaintiffs narrative.
Note that I originally asked XXXX XXXX for verification XX/XX/XXXX, twice more in XXXX and nothing was ever provided in the one year since the original request. Absent verification that I am the one liable for this debt, there seemed to be no reason the case should continue but it took three hearings and nearly five months before the plaintiff motioned for dismissal of the case in XX/XX/XXXX.
Furthermore, in the complaint the Plaintiff attaches undue importance to the fact I did not respond to my receipt of the exculpatory Bank Card statement provided by Resurgent. There were four very important reasons why I had not yet responded : 1 ) the proof they provided was simply the name and address of the original debtor, 2 ) there was no verification that I owed the debt on behalf of the original debtor, 3 ) I had already previously denied I personally owed the debt ( how many times do I need to state that fact? ), and 4 ) I was waiting on the remainder of the requested documents to see if they looked as illegitimate as the statement with someone elses name and address on it.
The FDCPA addresses this issue specifically. Neither the XX/XX/XXXX letter from XXXX XXXX nor the XX/XX/XXXX mailing from Servicer had the required FDCPA language, a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Furthermore, the FDCPA also states, The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
As previously stated, nothing else was provided prior to the filing of the complaint and there are still documents that have not been provided.
Finally, using consumer background tools on the internet I was easily able to find that the original name and address of the debtor still exists.
I suspect, however, that the plaintiff knows full well that I am not the correct person that owes this debt and was simply hoping I wasnt paying attention because they are having trouble finding and or collecting from the real debtor from XXXX XXXX.
Plaintiff and XXXX XXXX represent their seedy industry well. Incompetence, deviousness or maliciousness cost me money and significant time. I ask for {$1200.00} for compensation.
I also request that XXXX XXXX make a motion to the XXXX XXXX Circuit Court, XXXX, IL to amend its dismissal of this case from without prejudice to with prejudice.
|
| 07/19/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XX/XX/XXXX I decided that I was going to pay off some debt that apparently belonged to me from a previous marriage between XX/XX/XXXX and XX/XX/XXXX. Unknown to me at the time was that I had been sued on this debt. Because I had been going through a lengthy and nasty several year divorce, I am assuming my ex-wife was served and she just failed to notify me about it. Long story short, I just recently found out about the judgment by looking at public records as it 's not even on my credit report. I attempt to call the judgment creditor XXXX XXXX but they do n't answer or tell me to call back. I attempt to do so a few times but I decided that instead of being brushed off I would call the attorney who filed the judgment against me. The attorney was XXXX XXXX XXXX. I was told by XXXX XXXX XXXX that they are no longer handling the case so I call XXXX XXXX again. I finally get a hold of a representative and am told the account is now with XXXX, XXXX, XXXX XXXX at ( XXXX ) -XXXX. What they failed to mention is that the attorney is now known as XXXX XXXX and their number is ( XXXX ) XXXX. I have to find that out for myself. I try calling XXXX XXXX for five days and I can never get anything but a voicemail. I research the company to obtain other numbers and I find ( XXXX ) XXXX. It is a good number and I try calling again for another three days but again I get no answers and nothing but voicemails. There were even numerous messages left but I still get no answer and no return calls. It is now XX/XX/XXXX so I call XXXX XXXX again to figure out what 's going on and I am now told to call XXXX XXXX XXXX at ( XXXX ) XXXX. I call them but again I am having the same problem I have been having with XXXX and XXXX XXXX. I keep getting voicemails. I then attempt on XX/XX/XXXX to call 3 numbers to XXXX XXXX. Main line at XXXX. A representative named XXXX at XXXX. XXXX XXXX at XXXX. I keep getting voicemails and I am calling at all hours of the day. XXXX XXXX XXXX is no better. It goes straight to voicemail at XXXX. I even tried another number I found online ; ( XXXX ) XXXX. It is XXXX XXXX XXXX but only an employment verification line. I 'm certain you can understand how frustrating this is for me so I call XXXX XXXX now to see if I can deal with them directly. Their representatives are ovbiously not attempting to call me back or address the situation. Somewhere along the line XXXX XXXX who happens to be a manager at XXXX XXXX calls me back on XX/XX/XXXX and decides to go ahead and settle with me. We agree to a settlement for exactly {$4000.00}. to satisfy this judgment. I ask for the offer in writing and am told I would receive it within 24 hours. At this point I 'm thinking that everything is fine and is going to work out until I get a call back on XX/XX/XXXXfrom XXXX XXXX stating that this account has been recalled by XXXX XXXX and they ca n't extend the settlement offer with me anymore. I am now furious. I have spent several man hours hunting somebody down just to try and give XXXX money and I am being ignored everywhere I turn. When I finally get a someone to actually return a call, I am " led on '' to believe that I am able to resolve a pending account when in reality the company in question has no authority over the matter anymore so they are simply wasting more of my time. I call XXXX XXXX to give them a piece of my mind and am simply told by them that I needed to reach out to XXXX XXXX XXXX. I inform XXXX XXXX that I have attempted to reach them for a week and have left numerous message and still I receive no call back. I inform XXXX in painstaking detail everything that has transpired over the course of these 2 weeks and they do n't seem to care or do anything to try and appease me but instead am just told to " give them a week. '' If after that week is up and I do n't hear back from them, then I can deal with XXXX directly. Long story short, I do n't get a call back from them but XXXX still refuses to deal with me after the promised week. It was n't until XX/XX/XXXX and exactly 30 days after I began this process to try and take care of a debt that I do n't even fully recognize as mine that I receive a called from XXXX XXXX XXXX. Apparenty, they are working for XXXX XXXX XXXX who is in turn working for XXXX XXXX. They finally re-settle the account with me for the {$4000.00} I had agreed upon originally with XXXX XXXX. They even send it to me in writing as requested. The letter even states " In addition we will request that our client file the Release of Judgment and Release of lien in the appropriate venue. Finally, we will have the necessary documents needed to release the Abstract of Judgment in this matter. '' I obviously pay them and am glad that this nightmare is finally over. I was wrong. When I pay them, I receive confirmation # XXXX. I was told it would take 7-10 days to get settled in full letter. This was on XX/XX/XXXX. We are now on XX/XX/XXXX, and I have yet to receive a settled in full letter of any kind. What 's worse, I check county records, and no release nor satisfaction of judgment has been filed or even initiated. I am now past my boiling point. I called XXXX XXXX XXXX on XX/XX/XXXX to figure out what 's going on. Why have I not received a settlement letter and why has no satisfaction of judgment been initiated or recorded. Predictably, I am now being transferred from department to department with no answer until I finally am sent to a voicemail. I call back several times and the same thing happens. I keep trying until my calls do n't even reach a representative. The operator just says everyone is busy and I have to call back ... I try calling XXXX and inform them of everything that is going on. Believe it or not, the situation gets even worse. At first XXXX XXXX tries to tell me they do n't know about any payment. They state that they will have to check with their assigned collector to verify if any payment was made. I offer to submit the settlement offer in writing as well as a bank statement from my bank showing payment was cleared for the settlement amount stated in the letter and am finally able to get the representative to admit that they do see payment was made. I press her even harder now as I can see she is just trying to brush me off and feed me lies and she states that she now has to check her assigned collector to make sure that it is in fact a settlement in full. I point out the obvious to her and tell her that I am forwarding her the proof in writing and she tells me the same thing. I finally asked to speak to her supervisor. I am transferred to a XXXX XXXX. I explain everything to XXXX XXXX just like I am explaining to you. I tell her that I want my satisfaction of judgment and settled in full letter and that I wanted it now. She pretty much reiterated what her representative told me but even upped the audacity by another level. I informed her that I researched California Law and that judgments are supposed to be recorded as satisfied within 15 days of payment or I could pursue them for damages and it had now been over thirty days with still nothing. I informed her I intended to do so if I could not get a satisfactory answer or time frame from her in that particular phone call. She did n't seem to care and went as far as to say that she did n't know how long the verification process would take and would n't give me a definitive time frame or even an estimation of when any of this would be completed even though she had now been informed there were consequences if she did n't. ARE YOU KIDDING ME!! It took a whole month to find the right representative just to discuss the account. I finally get the deal in writing, pay the account in accordance to the deal, wait more than double the appropriate time for my letters and account to be satisfied, inform her that her company and her collectors are in violation of the law, am willing to provide her proof that a deal was made and paid to speed up the process, am rejected as they want their own verification, and I am told they do n't know how long it would take or even attempt to expedite the matter even though they have been informed about the law. Now I know that they are being willfully negligent and I wo n't stand for it. I have read that your company hands out class action lawsuits against companies who take advantage of consumers. I am 100 % certain that this company has had numerous complaints over the years as that is the first, second, third, etc. thing I read online the second I type XXXX XXXX on my XXXX search. Please look into this company as well as their affiliates as I can not believe the audacity of how they are treating consumers. If it takes a month to get a hold of someone just to pay them, another month just to find out they did n't hold up their end of a deal on a paid account, probably another month just to get them to correct the situation ( I am assuming they will correct it but am now unsure considering how they have treated every other aspect of this fiasco ). I can only imagine how they treat people who do n't pay them but have legitimate disputes. I will hire my attorney and go after them if need be.
|
| 09/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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The following are correspondences that set out the nature of this dispute - the underlying issue is that XXXX XXXX failed to stand behind two ( 2 ) billing disputes that were fraudulently made and perpetrated upon me via false inducement and misrepresentation. I disputed each claim with voluminous information provided to XXXX XXXX. Many calls and much documentation was supplied to XXXX XXXX to demonstrate that the disputes were legitimate and that the creditors acted with unclean hands in a fraudulent. manner. The text of the letters that follow show some of the issues at hand. Now, I learn that XXXX XXXX has " transferred my account '' to a service called Resurgent Capital Services. Acct.Ending XXXX. Current Owner XXXX XXXX XXXX. Reference ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX To : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Utah XXXX Attn : Billing/Disputes From : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX XX/XX/2017 I wish to close my credit card account with your institution. I have been an excellent credit card patron, paying my card balance regularly and reliably.
I have, on XX/XX/2017, requested by telephone, that my credit card account be closed.
I wish that my credit report reflect that the account was " closed at the consumer 's request. '' I also request written confirmation of the account 's closure.
I am closing this account due to the fact that authorized and disputed. This writer contacted the Purser 's desk and engaged in a ship-to-shore telephone conversation with the travel agent to dispute and unauthorize this charge. The fact that XXXX offered a drastically reduced rate to passengers similarly situated in stateroom types equal to that of this writer, creates a unfair and discriminatory charge, unjustly enriching travelers with similar stateroom types who paid only {$190.00} while negatively disadvantaging this writer. A senior advisor at XXXX XXXX indicated that this writer supplied more than enough evidence to support reversing this charge, however the fact that this writer remain on board the ship would negate the refund. Clearly, the fact that this writer attempted to unauthorize the charge by contacting the Purser 's XXXX XXXX failed to properly adjudicate two ( 2 ) separate disputes in my favor after both merchants were proven by submission of voluminous documented and incontrovertible evidence to have fraudulently, discriminatorily, and improperly charged my card.
A filed dispute with XXXX XXXX through XXXX was supported by written evidence by this writer to show that the said merchant failed to supply the accommodation that was pictured in his XXXX posting and additionally supplied a rental unit that was not only substandard, but dangerous. This writer did not utilize the accommodation to the extent paid for, had to stay with others, and communicated both complete dissatisfaction and request for refund overtly to the merchant.
A filed dispute with XXXX XXXX - XXXX XXXX was supported by written evidence by this writer to show that the said merchant indiscriminately charged a significantly higher rate to this passenger while supplying most passengers an extremely reduced rate for the same stateroom type. A change in advertised ports-of-call ( after booking ) due to a severe propulsion issue on the ship caused XXXX to offer passengers drastically reduced rates of {$190.00} if they cancelled their booking and then rebooked. While passengers who were loyal to XXXX and did not cancel after the notification of the port change, paid the full price of {$6200.00}. This writer only learned of the discriminatory practices after being on board the ship at sea. This writer made XXXX aware of the fact that the charge was undesk and by completing a ship-to-shore telephone call to dispute the charge constructively constitutes " leaving the ship '' since it is impossible to leave the ship while it was at sea.
*Under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act, this XXXX XXXX ( or any credit card ) company can not compel payment of the outstanding disputed balance. If XXXX XXXX elects to report this matter to any credit bureau, legally, XXXX XXXX will be required to notate the fact that this balance is an amount that its customer/cardholder does not believe they owe.
Disputes and Unauthorized Charges under : Federal law 15 U.S.C. 1643 limits a cardholders liability to a maximum of {$50.00} for unauthorized charges. That being said, under the statute, and according to the Fair Credit Billing Act, the customer/cardholder is protected against charges for goods and services that have not been delivered as agreed upon.
The law provides that the customer/cardholder may withhold payment of any balance due on goods/services purchased with a credit card, provided he/she has made a good faith effort to return resolve the problem with the merchant.
Final and full payment of my actual balance owed is included.
Sincerely, XXXX XXXX XXXX XXXX XXXX/XXXX Dispute Upload # XXXX I have just sent added documents that show that the disputed rental was listed by XXXX XXXX as that being a unit on XXXX XXXX in XXXX.
My payment was via XXXX XXXX to XXXX via the Internet site that depicts the XXXX XXXX unit as the one for which {$3000.00} was paid on the date indicated.
We NEVER stayed or even entered the XXXX XXXX unit.
XXXX XXXX defrauded us with a substitute place that was not on our XXXX contract.
See attached.
Mr. XXXX subsequently switched out the XXXX XXXX unit for which I paid with a unit in another area ( XXXX XXXX ) that was completely substandard and virtually uninhabitable.
Previously submitted documents ( to XXXX XXXX ) support the fact that the XXXX unit was on the fourth floor ( with an inoperable elevator/lift ). Ostensibly, because the unit is in the XXXX, the fourth floor is now the fifth floor, and there were two flights between each floor making us have to climb 8 to 10 flights. We were assured, before and at the time of booking, that the XXXX XXXX unit had a working elevator. Since we were hornswoggled by being swapped into the XXXX XXXX unit for which we did not pay, there was no working elevator in the XXXX XXXX unit.
Additionally, there were non-functioning the lights in the XXXX XXXX unit. There was virtually no light at night! This fact forced us to vacate the unit to stay with newly made friends from a class ( at the XXXX XXXX of XXXX XXXX ) where I was taking classes.
Additionally, a sliding glass door fell out of its casement onto me. Additionally, there were leaks in the apartment building that caused disruption.
XXXX XXXX - please advise VISA that I AM NOT paying this {$3000.00} bill as Merchant ( XXXX XXXX ) AGREED TO REFUND. In fact, XXXX ALSO pledged a refund. See uploads!
I will litigate this!
XXXX XXXX XX/XX/2017 Please be advised that my credit score was recently improperly reduced by XXXX XXXX. I had a disputed matter with XXXX XXXX and I have paid ALL properly charged balances due and owing to the XXXX XXXX credit card company.
I sent a certified letter notifying XXXX XXXX that they had failed to resolve and rectify two ( 2 ) fraudulent charge ( s ) on my credit card ; and therefore, I was canceling my card after paying the FULL balance due and owing less the disputed amount. I consulted with an attorney who advised me to undertake those steps. Prior to taking those steps, I had supplied to XXXX XXXX voluminous supporting documentation to set forth the events surrounding the fraud perpetrated upon me. Additionally, I engaged in countless communications with XXXX XXXX credit card company representatives, who, at the time, and each time, agreed that the actions of the merchant/vendor was/were unethical/fraudulent. However, XXXX XXXX nonetheless refused to remove the disputed charges. I had no choice but to contact legal counsel to submit all documentation as proof and to cancel my credit card and to pay the full balance less the disputed charges.
From the time of that dispute until now, I have attempted multiple times to rectify the matter with XXXX XXXX by communicating telephonically with representatives who, each time, affirm that the charges seem unethical and fraudulent. However, no documentation or resolution is forthcoming that obviates the need for their ongoing attempt to collect on a paid card less the disputed fees.
In retaliation, XXXX XXXX recently facilitated the lowering of my credit score. I am here by notifying all of the credit reporting agencies that the lowering of my credit score is wholly unjustified and unsubstantiated based upon the fact that it centers upon the amount in dispute upon an unpaid balance.
I have also filed ( this date ) a complaint with the XXXX XXXX XXXX XXXX of the United States government and I have been advised that the matter will be adjudicated to the full extent of the law.
Kindly reinstate my previous credit score of XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX SS # ending XXXX XXXX
|
| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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On or about XX/XX/XXXX, I filed a complaint with the CFPB regarding the improper reporting of a credit account on my credit report by PYOD LLC who was attempting to collect an alleged debt for an account I formerly held with XXXX XXXX XXXX. The outcome of that complaint resulted in the removal of PYOD LLC ( a non-affiliate ) from all of my credit reports. After further consideration of the laws afforded to me as a federally protected person, PYOD LLC ( a non-affiliate ) and XXXX XXXX XXXX owe me remedies, as afforded to me through federal and state law, for improperly reporting my credit account to the three Credit Reporting Agencies ( XXXX ), XXXX ( a non-affiliate ), XXXX ( a non-affiliate ), and XXXX ( a non-affiliate ) ; sharing my personal information between XXXX XXXX XXXX, the XXXX ( non-affiliates ) and PYOD LLC ( a non-affiliate ) without my expressed written consent ; selling my personal information without my written consent to a non-affiliate ( i.e. PYOD LLC ) ; misrepresentation of facts by alleging and communicating to me that a debt was owed to PYOD LLC ( a non-affiliate ) on behalf of XXXX XXXX XXXX when PYOD LLC ( a non-affiliate ) willingly and knowingly " purchased the debt '' from XXXX XXXX XXXX thus nullifying any alleged debt to XXXX XXXX XXXX ; and, damaging my credit report and credit reporting history by reporting this alleged debt to the XXXX which misrepresented my creditworthiness and caused me financial and material damages as it prevented me from obtaining a more favorable credit rating ultimately resulting in me being denied credit, having a lower available credit line, and/or having a higher interest rate on certain lines of credit. The specific violations of law committed by PYOD LLC ( a non-affiliate ) and XXXX XXXX XXXX are, but are not limited to : The Privacy Act of 1974 and 15 USC 1681 ( 4 ) which states that I have the right to privacy.
15 USC 1681 which states that there must be a permissible purpose for this information to be shared 15 USC 1681a which provides for the definitions and rules of construction where specifically subsection ( d ) Consumer Report.
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title... Both XXXX XXXX XXXX and PYOD LLC ( a non-affiliate ) failed to meet and/or adhere to any of these definitions and violated my federally protected rights when they engaged in a monetary transaction to buy and sell my personal and financial information.
15 USC 1681b which states that there must exist a permissible purpose and that ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Neither XXXX XXXX XXXX nor PYOD LLC ( a non-affiliate ) obtained my written instructions.
15 U.S. Code 1681q - Obtaining information under false pretenses - In the attached letter from XXXX XXXX XXXX, it states that XXXX XXXX had no knowledge of how PYOD LLC ( a non-affiliate ) obtained my information nor that they were attempting to collect any alleged debt from me. However, in PYOD LLC 's ( a non-affiliate ) response letter to the complaint filed with the CFPB on or about XX/XX/XXXX, PYOD LLC asserts that they " purchased '' the " debt '' from " XXXX XXXX XXXX ''. Thus, the two ( 2 ) letters conflict in how PYOD LLC obtained my personal information which was under XXXX XXXX 's fiduciary and material care from approximately XXXX to XXXX. This also means that PYOD LLC ( a non-affiliate ) may have obtained my personal information under false pretenses and/or stole my information from XXXX XXXX XXXX , and/or XXXX XXXX XXXX was negligent in protecting my personal information. This also means that either XXXX XXXX Bank and/or PYOD LLC is in violation of 15 USC 1681r , which is punishable by a fine under title 18 and/or no more than 2 years in XXXX.
! 5 USC 1681 s-3 affiliate sharing. XXXX XXXX XXXX, the XXXX, and PYOD LLC ( a non-affiliate ) have all violated this code as PYOD LLC and the XXXX are non-affiliates to XXXX XXXX XXXX, and one another. None of these companies had the legal right to share my information and violated this code.
15 USC 1692b Acquisition of location, under abusive debt practices, states Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. PYOD LLC ( a non-affiliate ) did violate this code by committing these acts.
PYOD LLC ( a non-affiliate ) also violated 15 USC 1692c ( a ) Communication with the consumer which states that generally, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties which states ; Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. PYOD LLC ( a non-affiliate ) violated this code when it reported to the CRAs, my alleged debt with XXXX XXXX XXXX negatively affecting my credit score and overall creditworthiness.
PYOD LLC violated 15 U.S. Code 1692e and 15 USC 1681q- False or misleading representations by communicating that they had the legal right to collect any alleged debt on behalf of XXXX XXXX XXXX XXXX PYOD LLC also violated this code by asserting that a debt was still owed to XXXX XXXX XXXX, when in fact PYOD LLC had purchased the debt making the debt owed to XXXX XXXX XXXX " void '', " cancelled '', " redeemed '', and/or otherwise " paid in full ''. I had/have no contractual obligation to PYOD LLC and have not, nor am currently engaged in any financial or other transaction with PYOD LLC XXXX Thus PYOD LLC falsely and misleadingly attempted to construct a contract where none existed.
Due to these numerous violations of my federally protected rights, I am seeking federal and state remedies afforded to me under the governing laws and codes against the aforementioned companies.
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by XXXX.
You ( XXXX ) have several incorrect Personal Identifiers listed in my report and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong individual to the wrong address and jeopardize my identity or lead to fraud if it has not already done so. I contacted XXXX by phone on XX/XX/XXXX with the inaccuracies on my consumer report and spoke with a customer representative by the name of XXXX. I indicated the addresses below are NON-MAILABLE and should be deleted and that my ONE and ONLY ADDRESS is XXXX XXXX XXXX, XXXX, LA XXXX. XXXX indicated, the addresses below could not be removed because they were attached to several accounts that were CHARGED-OFF and attached to several DEBT COLLECTING AGENCIES.
1. XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX 2. XXXX XXXX XXXX XXXX, TN XXXX 3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX As stated above, my current Address Street Number , Street Name, City, State, Zip Code is XXXX XXXX XXXX XXXX, Louisiana XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove all reporting addresses that are not exactly as I have submitted and proven. These addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate.
In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report.
Credit reporting agencies such as XXXX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. XXXX is not upholding its role pursuant 15 USC 1681. You ( XXXX ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act.
Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history. You ( XXXX ) are in violation of Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). This Federal law protects the privacy of my student education records. I signed a privacy form, which indicated that my student loan servicer would provide my transaction history to any 3rd party company, therefore these must be deleted.
My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from XXXX. As a violation of 15 USC 6802- you ( XXXX ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission.
XXXX, original creditors, and debt collectors are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX, Creditors AND allege Debt Collectors furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
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| 06/30/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Follow up to Claim # : XXXX - Resurgent Capital Services, LP/LVNV XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX Good morning CFPB, I am following up with a second complaint on case # : XXXX as I don't feel LVNV answered to satisfaction to close the case.
These companies are accustomed to pointing fingers at each other because it creates confusion and they report longer.
After 9 months of confusion I have it down to a science. These companies are accustomed to writing responses to you guys that effectively close the complaint, but that doesn't mean they are accurate and the situation is resolved just because the person I'm accusing of wrongdoing just says he isn't committing any wrongdoing. It doesn't work that way.
You closed the case based on the Bank 's response and LVNV response conflict each other and I completely disagree with accepting Resurgent LVNV Funding 's response as sufficient.
They didn't even address the problem I stated so I'm opening a brand new claim to be published based now not only on the original offenses, but also the attempts to skirt legally having to be held accountable and it down for being innacurate by pawing the account off back and forth.
LVNV Funding has been adversely reporting/collecting on an account that I had been paying for XXXX XXXX XXXX on until the day it charged off.
I don't think Resurgent Capital Services/LVNV Funding understands their own claim response, despite my several letters and follow up phone conversations phone conversations with them to attempt bipassing the automated validation system and trigger a manual review.
The one letter that differs from the rest was back a few months ago when I was frustrated and over the phone I asserted that I am XXXX, I became XXXX at the time this account went bad, I communicated with XXXX XXXX XXXX about it regardless of the logistics, the bank has conceded to what I said and verified what I said was accurate with only minor technical discrepancies.
LVNV responded with a letter stating they are suspending collections indefinitely. They are still collecting.
Why did Resurgent Capital Services validate the account each time I disputed or I called to clarify called or I requested documents such as the purchase agreement to establish that XXXX XXXX XXXX sold you an account that I had claimed a hardship and exercised XXXX XXXX on XX/XX/XXXX per the Bank.
When you conducted your reasonable investigation into my dispute that all asserted there was a hardship prior to charge off, I assume you contacted the original creditor to verify that information. Whom did you speak with at XXXX XXXX XXXX, on what dates and what documents did they provide you that led you to determine it was still a valid collectible debt that you didn't have to get the original creditor involved on a financial hardship claim where the claim involved was a financial hardship claim? What date and time were these phone calls?
In Resurgent 's response, they provided many months of account statements to show that this account actually does exist. Well again, I didn't dispute whether it existed to begin with or not, I disputed the balance of the collection because that is 100 % impossible to be accurate and after that was verified I started to dispute the investigation methods because if an actual human read the file as Resurgent claims they " personally went over, '' why is it still being reported? That makes no sense. If he personally reviewed my account he would have done the following : - Noticed charges for XXXX XXXX XXXX on all billing statements.
- Considered the disputes claim that it is innacurate.
- Inquired with the original creditor if the documents provided by me were original and legitimate.
- When they gave their answer which they gave the CFPB and Comptroller of the Currency, you would see that they agree the account was covered under XXXX XXXX on XX/XX/XXXX, and they verified that they are not reporting on my credit report.
- The bank asserts that I must take up my claim with LVNV Funding because you are the one responsible for reporting the account and investigating disputes into the account and the original account.
- You assert that I must take it up with XXXX XXXX XXXX.
- Who is responsible for investigating the completeness and accuracy of the current reporting of the account based on a Credit XXXX XXXX assertion that they have removed the account, validated that I was enrolled in XXXX XXXX and it was brought up on XX/XX/XXXX?
- In other words, what parties were involved in your investigations into my disputes all this year?
- Who were the parties you spoke with? Date? Time? Phone number?
- What was said in response by XXXX XXXX XXXX when you relayed my dispute information? ( this response would have been provided in writing )., but you never provided it to me.
- That brought me to actually question not only the validity of the account but also you as a company, and my mission went from being about cleaning up a misunderstanding to uncovering Shady schemes to keep a bad account parked on my credit report through closing so I pay it to not lose out on the money.
- What documents were provided in by any 3rd parties companies involved in the investigation of my dispute response to my claim of hardship? ( There will be documents. I had credit protection so I wouldn't recommend making up that you contacted them if you don't have supporting documents. ). Were there third parties? Did you involve the original creditor?
I assure you that I have no intention of ever paying a debt I don't owe. That's why I paid XXXX XXXX and not you.
Now that you've verified and validated this account over 8-10 times for accuracy .... You can see my pull from XX/XX/XXXX from IdentityIQ.com that shows not only inconsistencies and innacuracies, but missing information, contradicting information, contradicting status and type of account.
IT IS NOW ILLEGAL TO REPORT THIS ACCOUNT TO THE BUREAUS AND IT IS ILLEGAL FOR BUREAUS TO ALLOW YOU TO REPORT IT.
In it, you have broken the law to report this account at all per the FCRA and FDCPA and FCCPA. You further try to skirt around technicalities of collection reporting by removing Collection Account status/type from the proper field and noting it with emphasis in several notes sections and sections used for other purposes.
Questions That must be answered : 1. As a debt buyer who, how did you investigate my disputes claiming I was having hardship at the time of discharge with the original creditor and that I had XXXX XXXX?
2. You saw all of the documents and you saw the charges for credit protection, why would you validate/verify accurate reporting when that element of uncertain truth entered into your mind ... Or did you not quite go over it in as great detail as you said?
3. When I informed you that I was XXXX and my sole source of income was SSDI, I informed you that I couldn't be garnished ... I'm pretty much judgement proof anyway, the hardship is real, the credit protection is real ... Why did you not send it back to the original creditor?
4. When I called Resurgent Capital Services/LVNV FUNDING and explained the situation several times. Why did you request certain documents like my award letter and credit protection documents, assure me you'd review it and take care of it and 30 Days later I'd get an automatically generated validation.
XXXX. XXXX Resurgent Capital Services, LP/LVNV Funding have a formal dispute investigation process? If so, can you send me an outline of the steps taken to investigate all disputes? If not, why not?
XXXX. Please provide me with all documents utilized in investigating all of my disputes through the bureaus and directly.
XXXX. Please list all parties involved in your investigation of the dispute.
XXXX. THE ACCOUNTS ARE NOW MISSING REQUIRED FIELDS SUCH AS eq. ORIGINAL CREDITOR, exp. DATE OF FIRST DELINQUENCY, tu. DATE OF FIRST DELINQUENCY.
The facts are, the original creditor responded to this complaint basically saying, yeah we know you had credit protection and it's been removed from your account.
XXXX XXXX on the other hand has validated the debt without even putting human eyes on it nevermind investigating it.
I'd this guy personally reviewed the file and my disputes he would have easily picked up that each statement has a charge for the the XXXX XXXX program, would have put more weight into deciding to contact XXXX XXXX XXXX, and got their answer and all of this would not be happening.
They neglected that responsibility. They knowingly refused to investigate my Disputes and kept referring me to XXXX XXXX XXXX for resolution.
XXXX XXXX XXXX XXXX has verified my claim and assured me they are not reporting. Remove this account from all bureaus immediately.
Thank You, XXXX XXXX
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| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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LVNV FUNDING LLC and XXXX are reporting inaccurate information onto my consumr report. LVNV Funding LLC does not have any right to force me to perform or pay an alleged debt. I refuse to contract therefore this is not a valid debt and should be returned to the original creditor and they bring forth the action. Any party to a contract or holder in due course may bring forth an action. If LVNV Funding LLC has a contract with my wet ink signature and them please provide it immediately so I may verify for myself.
15 U.S. Code 1692g - Validation of debts U.S. Code Notes prev | next ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
15 U.S. Code 1692e - False or misleading representations U.S. Code Notes prev | next A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
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| 06/19/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received an email from another agency by the name Resurgent, conveniently after I submitted a CFPB Complaint on LVNV Funding and to this date has not provided a response. At the least this is confusing and misleading to me the consumer. Do I owe both Resurgent and LVNV Funding for the same debt? Also i have yet to receive the consumer notification that is required under " Regulation F ''. This notification is required.
1006.34 Notice for validation of debts.
THIS VERSION IS THE CURRENT REGULATION View all versions of this regulation Search this regulation Regulation F ( a ) Validation information required.
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : Official interpretation of 34 ( a ) ( 1 ) In general.
( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.
( 2 ) Exception. A debt collector who otherwise would be required to send a validation notice pursuant to paragraph ( a ) ( 1 ) ( i ) ( B ) of this section is not required to do so if the consumer has paid the debt prior to the time that paragraph ( a ) ( 1 ) ( i ) ( B ) of this section would require the validation notice to be sent.
( b ) Definitions. For purposes of this section : ( 1 ) Clear and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them.
( 2 ) Initial communication means the first time that, in connection with the collection of a debt, a debt collector conveys information, directly or indirectly, regarding the debt to the consumer, other than a communication in the form of a formal pleading in a civil action, or any form or notice that does not relate to the collection of the debt and is expressly required by : Official interpretation of 34 ( b ) ( 2 ) Initial communication.
( i ) The Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ) ; ( ii ) Title V of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 through 6827 ) ; or ( iii ) Any provision of Federal or State law or regulation mandating notice of a data security breach or privacy risk.
( 3 ) Itemization date means any one of the following five reference dates for which a debt collector can ascertain the amount of the debt : Official interpretation of 34 ( b ) ( 3 ) Itemization date.
( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; Official interpretation of Paragraph 34 ( b ) ( 3 ) ( i ).
( ii ) The charge-off date, which is the date the debt was charged off ; ( iii ) The last payment date, which is the date the last payment was applied to the debt ; Official interpretation of Paragraph 34 ( b ) ( 3 ) ( iii ).
( iv ) The transaction date, which is the date of the transaction that gave rise to the debt ; or Official interpretation of Paragraph 34 ( b ) ( 3 ) ( iv ).
( v ) The judgment date, which is the date of a final court judgment that determines the amount of the debt owed by the consumer.
( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section.
( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), XXXX, and Sundays ) after the debt collector provides it.
Official interpretation of XXXX ( b ) ( XXXX ) Validation period.
( c ) Validation information. Pursuant to paragraph ( a ) ( XXXX ) of this section, a debt collector must provide the following validation information.
( XXXX ) Debt collector communication disclosure. The statement required by XXXX ( XXXX ).
Official interpretation of XXXX ( c ) ( XXXX ) Debt collector communication disclosure.
( XXXX ) Information about the debt. Except as provided in paragraph ( c ) ( XXXX ) of this section : ( i ) The debt XXXX name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
Official interpretation of Paragraph XXXX ( c ) ( XXXX ) ( i ).
( ii ) The consumers name and mailing address.
Official interpretation of Paragraph XXXX ( c ) ( XXXX ) ( ii ).
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in XXXX ( f ), the name of the creditor to whom the debt was owed on the itemization date.
Official interpretation of Paragraph XXXX ( c ) ( XXXX ) ( XXXX ).
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
Official interpretation of Paragraph XXXX ( c ) ( XXXX ) ( iv ).
( v ) The name of the creditor to whom the debt currently is owed.
Official interpretation of Paragraph XXXX ( c ) ( XXXX ) ( v ).
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
Official interpretation of Paragraph XXXX ( c ) ( XXXX ) ( vii ).
( XXXX ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector XXXX disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
Official interpretation of Paragraph XXXX ( c ) ( XXXX ) ( XXXX ).
( ix ) The current amount of the debt.
Official interpretation of Paragraph XXXX ( c ) ( XXXX ) ( ix ).
( XXXX ) Information about consumer protections.
( i ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment.
( ii ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer requests in writing on or before that date the name and address of the original creditor, the debt collector must cease collection of the debt until the debt collector sends the consumer the name and address of the original creditor, if different from the current creditor.
( iii ) The date that the debt collector will consider the end date of the validation period and a statement that, unless the consumer contacts the debt collector to dispute the validity of the debt, or any portion of the debt, on or before that date, the debt collector will assume that the debt is valid.
( iv ) If the debt collector is collecting debt related to a consumer financial product or service as defined in XXXX ( f ), a statement that informs the consumer that additional information regarding consumer protections in debt collection is available on the XXXX website at www.cfpb.gov/debt-collection.
( v ) If the debt collector sends the validation notice electronically, a statement explaining how a consumer can, as described in paragraphs ( c ) ( XXXX ) ( i ) and ( ii ) of this section, dispute the debt or request original-creditor information electronically.
Please accept this as a request for validation, also include the agreement/contract that bears my signature.
Also cease and desist all communication attempting to collect a debt.
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| 12/20/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows XXXX XXXX XXXX- over 3 years old, I never purchased anything from XXXX XXXX not my debt and has been deleted and back on my credit as a new aged debt with credit bureaus.
Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
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| 06/19/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received an email from another agency by the name Resurgent, conveniently after I submitted a CFPB Complaint on LVNV Funding and to this date has not provided a response. At the least this is confusing and misleading to me the consumer. Do I owe both Resurgent and LVNV Funding for the same debt? Also i have yet to receive the consumer notification that is required under " Regulation F ''. This notification is required.
1006.34 Notice for validation of debts.
THIS VERSION IS THE CURRENT REGULATION View all versions of this regulation Search this regulation Regulation F ( a ) Validation information required.
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : Official interpretation of 34 ( a ) ( 1 ) In general.
( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.
( 2 ) Exception. A debt collector who otherwise would be required to send a validation notice pursuant to paragraph ( a ) ( 1 ) ( i ) ( B ) of this section is not required to do so if the consumer has paid the debt prior to the time that paragraph ( a ) ( 1 ) ( i ) ( B ) of this section would require the validation notice to be sent.
( b ) Definitions. For purposes of this section : ( 1 ) Clear and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them.
( 2 ) Initial communication means the first time that, in connection with the collection of a debt, a debt collector conveys information, directly or indirectly, regarding the debt to the consumer, other than a communication in the form of a formal pleading in a civil action, or any form or notice that does not relate to the collection of the debt and is expressly required by : Official interpretation of 34 ( b ) ( 2 ) Initial communication.
( i ) The Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ) ; ( ii ) Title V of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 through 6827 ) ; or ( iii ) Any provision of Federal or State law or regulation mandating notice of a data security breach or privacy risk.
( 3 ) Itemization date means any one of the following five reference dates for which a debt collector can ascertain the amount of the debt : Official interpretation of 34 ( b ) ( 3 ) Itemization date.
( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; Official interpretation of Paragraph 34 ( b ) ( 3 ) ( i ).
( ii ) The charge-off date, which is the date the debt was charged off ; ( iii ) The last payment date, which is the date the last payment was applied to the debt ; Official interpretation of Paragraph 34 ( b ) ( 3 ) ( iii ).
( iv ) The transaction date, which is the date of the transaction that gave rise to the debt ; or Official interpretation of Paragraph 34 ( b ) ( 3 ) ( iv ).
( v ) The judgment date, which is the date of a final court judgment that determines the amount of the debt owed by the consumer.
( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section.
( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it.
Official interpretation of 34 ( b ) ( 5 ) Validation period.
( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ).
( ii ) The consumers name and mailing address.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ).
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ).
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ).
( v ) The name of the creditor to whom the debt currently is owed.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ).
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ).
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ).
( ix ) The current amount of the debt.
Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ix ).
( 3 ) Information about consumer protections.
( i ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment.
( ii ) The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer requests in writing on or before that date the name and address of the original creditor, the debt collector must cease collection of the debt until the debt collector sends the consumer the name and address of the original creditor, if different from the current creditor.
( iii ) The date that the debt collector will consider the end date of the validation period and a statement that, unless the consumer contacts the debt collector to dispute the validity of the debt, or any portion of the debt, on or before that date, the debt collector will assume that the debt is valid.
( iv ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), a statement that informs the consumer that additional information regarding consumer protections in debt collection is available on the Bureaus website at www.cfpb.gov/debt-collection.
( v ) If the debt collector sends the validation notice electronically, a statement explaining how a consumer can, as described in paragraphs ( c ) ( 4 ) ( i ) and ( ii ) of this section, dispute the debt or request original-creditor information electronically.
Please accept this as a request for validation, also include the agreement/contract that bears my signature.
Also cease and desist all communication attempting to collect a debt.
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| 01/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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LVNV is attempting to collect an alleged debt for a credit account I formerly held with XXXX XXXXXXXX XXXX After further research of the laws afforded to me as a federally protected person, LVNV ( a non-affiliate ) and XXXX XXXX XXXX violated the laws, as afforded to me through federal and state law, for improperly reporting my credit account to the three Credit Reporting Agencies ( CRAs ), [ XXXX ( a non-affiliate ), XXXX ( a non-affiliate ), and XXXX ( a non-affiliate ) ] ; sharing/selling my personal information to and from XXXX XXXX XXXX XXXX LVNV, and the CRAs ( non-affiliates ) without my expressed written consent ; engaging in misrepresentation of facts and abusive practices by alleging and communicating to me that a debt was owed to LVNV on behalf of XXXX XXXX XXXX when in fact LVNV willingly and knowingly purchased the debt from XXXX XXXX XXXX thus nullifying any alleged debt to XXXX XXXX XXXX XXXX and, damaging my credit reports, credit files, credit scores, and credit reporting history by reporting this alleged debt to the CRAs. This also misrepresented my creditworthiness and caused me financial and material damages as it prevented me from obtaining a more favorable credit rating ultimately resulting in me being denied credit, having a lower available credit line, and/or having a higher interest rate on certain lines of credit. The specific violations of law committed by LVNV and XXXX XXXXXXXX XXXX are, but are not limited to : The Privacy Act of 1974 and 15 USC 1681 ( 4 ) which states that I have the right to privacy. UDAAP which was published on the CFPB website based on their investigation and findings of GROSS negligence and violations of consumers rights by consumer reporting agencies, persons, entities, and other business companies and organizations whose regular business is to contract with consumers. 15 USC 1681 which states that there must be a permissible purpose for this information to be shared 15 USC 1681a which provides for the definitions and rules of construction where specifically subsection ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title...
Both XXXX XXXXXXXX XXXX and LVNV failed to meet and/or adhere to any of these definitions and violated my federally protected rights when they engaged in a monetary transaction to buy and sell my personal and financial information. 15 USC 1681b which states that there must exist a permissible purpose and that ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Neither XXXX XXXXXXXX XXXX nor LVNV obtained my written instructions. 15 U.S. Code 1681q - Obtaining information under false pretenses. LVNV obtained my personal information under false pretenses and/or stole my information from XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX was negligent in protecting my personal information. This also means that either XXXX XXXX Bank and/or LVNV is in violation of 15 USC 1681r , which is punishable by a fine under title 18 and/or no more than 2 years in prison.! 5 USC 1681 s-3 affiliate sharing. XXXX XXXX XXXX the CRAs, and LVNV have all violated these codes as LVNV and the CRAs are all defined as " non-affiliates '' to XXXX XXXXXXXX XXXX, and one another. None of these companies have/had the legal right to share/sell my information and violated this code. 15 USC 1692b Acquisition of location, under abusive debt practices, states Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. LVNV did violate this code by committing these acts. LVNV also violated 15 USC 1692c ( a ) Communication with the consumer which states that generally, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties which states ; Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. LVNV ( a non-affiliate ) violated this code when it reported, to the CRAs, my alleged debt with XXXX XXXX XXXX negatively affecting my credit score and overall creditworthiness. LVNV violated 15 U.S. Code 1692e and 15 USC 1681q- False or misleading representations by communicating that they had the legal right to collect any alleged debt on behalf of XXXX XXXX XXXX XXXX LVNV also violated this code by asserting that a debt was still owed to XXXX XXXX XXXX when in fact LVNV purchased the debt making the debt owed to XXXX XXXXXXXX XXXX " void '', " cancelled '', " redeemed '', and/or otherwise " paid in full ''. I had/have no contractual obligation to LVNV and have not, nor am currently engaged in any financial or other transaction with LVNV. Thus LVNV falsely and misleadingly attempted to construct a contract where none existed. LVNV 's purchase of the debt also effectively made it income according to federal law. Thus, LVNV is in violation of not providing me a 1099C to reflect that income. Due to these numerous violations of my federally protected rights, I am seeking federal and state remedies afforded to me under the governing laws and codes against the aforementioned companies.
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| 04/12/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I filed a complaint with the CFPB on XX/XX/XXXX which your company responded to on XX/XX/XXXX. ( your response attached labeled in part XXXX XXXX ) I could not respond on portal so I e-mailed the following e-mails in an attempt to get further assistance regarding FDCPA violations and an attempt to amicably resolve them.
* XX/XX/XXXX- I emailed XXXX ( listed on your website ), XXXX, and XXXX ( person who responded to my complaint ) * XX/XX/XXXX- I forward my e-mail to XXXX XXXX at XXXX A copy of my e-mail is now listed below and attached ( attachment probably easier to read- labeled Fwd : re : CFPB.. '' ) I look forward to hearing from you : From : XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To : " XXXX '' Subject : Fwd : Re ; CFPB Response regarding XXXX XXXX Account ID : XXXX XXXX, I was hoping you could assist me with the email I sent below. I would really appreciate it. If you have any questions please dont hesitate to reach out to me.
XXXX XXXX.
Begin forwarded message : From : XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To : " XXXX '' , " XXXX '' , XXXX XXXX Subject : Re ; CFPB Response regarding XXXX XXXX Account ID : XXXX To Whom It May Concern, This letter is in response to the Consumer Financial Protection Bureau response to my complaint from your company dated XX/XX/XXXX and also attached to this e-mail for your ease of review. In that letter signed by A. Black Compliance Department, advised you would honor a prior settlement arrangement, {$1800.00} over five monthly payments. Four payments of {$350.00} and one payment of {$410.00} starting XX/XX/XXXX. This letter also advised that contrary to prior arrangement with the previous servicer XXXX XXXX XXXX, the tradeline would not be removed at the completion of the settlement arrangement, but rather it would be updated to account paid in full for less than the full balance.
While I appreciate your willingness to honor the settlement amount, the denial to honor the tradeline removal caused me to research the account handling by Resurgent. This review reminded me of FDCPA violations by Resurgent, of which Resurgent was notified via phone call and e-mail, back in XX/XX/XXXX. Here is a timeline of events : XX/XX/XXXX- Letter Dated with this date was sent to me advising me of an electronic payment to be debited on XX/XX/XXXX. ( attached to this e-mail ) o Notice of withdrawal sent a day after the actual date of withdrawal.
o 15 U.S. Code Section 1692 ( f ) ( 2 ) of The Fair Debt Collection Practices Act ( FDCPA ) prescribes the timing requirements ; 1. The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
o Here I was sent a letter dated XX/XX/XXXX that notified me of a scheduled draft to take place one business day prior. Clearly a violation, but that is not all.
o FDCPA violation # 1 XX/XX/XXXX- Checks # XXXX and # XXXX were drawn on my checking account for {$50.00} each, a total of {$100.00}.
o No notice was sent to me by Resurgent, not even a letter similar to the letter dated XX/XX/XXXX. Notes below will confirm no letter was sent by Resurgent.
1. FDCPA violation # 2 o Even if a letter was sent, which it wasnt, only {$50.00} was previously authorized to be drafted pursuant to the settlement arrangement set up.
o This additional {$50.00} draft caused my account to be overdrawn and a {$12.00} fee was charged by my bank.XX/XX/XXXX- I sent an e-mail to XXXX ( also attached to this e-mail ) advising them of the double draft, an overdraft fee was incurred, a request for reimbursement of overdraft fee, a request for reimbursement of the extra {$50.00} payment that was drafted, and notice that no electronic withdrawal notice was provided XX/XX/XXXX- Voicemail received at XXXX from a XXXX XXXX ( Sp ? ) from Resurgent, in response to my e-mail, requesting a call back XXXX.
o This confirms XXXX is a valid/working e-mail address Multiple attempts made to reach XXXX, but no call back was ever received after her initial call on XX/XX/XXXX Around XX/XX/XXXX- I called Resurgent and was able to reach a representative who was very combative and not the least bit helpful. I strongly suggest listening to that phone call, which was recorded.
o One thing that stood out the most was him telling me I could spin my story however I want to 1. This in regards to me explaining what happened and how your company committed a violation.
o Nothing resolved from this phone call as you can imagine.
XX/XX/XXXX- I sent an e-mail to XXXX advising them of this awful experience and to not draft any more funds and another request to refund the {$50.00} draft and the {$12.00} overdraft fee o No response received on this e-mail.XX/XX/XXXX- I forwarded previous e-mail chain sent to XXXX to XXXX in hopes to get a response.
o In this e-mail I reiterated my request for {$50.00} back and {$12.00} fee o Requested a confirmation that this request was received o Advised I was extremely disappointed in the handling of this account o No response received from your company To date, I have not received a reimbursement of the overdraft fees or the unauthorized draft. All my e-mails have been received by Resurgent, with my Account ID in the subject line and name/last 4 SSN in the body of the e-mail, but no response was received by your firm.
In light of all of this, I now write in hopes we can resolve this amicably without the need for litigation. As you previously were made aware in my CFPB complaint, I was the Collection Manager for a Creditors Rights law firm. I defended our firm when FDCPA lawsuits were threatened/filed against our company. Since the FDCPA is a strict liability statute, the clear violations, such as this one were negotiated without the need for a lawsuit. The FDCPA violations, by statute, will award me {$1000.00} plus attorney fees and costs at a minimum. One of our competitors had an FDCPA lawsuit against them, where the judge found them to have violated the FDCPA, awarded the consumer money and awarded the attorneys representing him over {$40000.00} in attorney fees. I had a matter with a collection agency and original creditor ( CA was collecting on OC debt ) that resulted in me receiving {$1500.00}, complete waiver of my five-figure debt ( no XXXX ) and tradeline deletion. Due to the release we signed, I cant disclose the parties involved.
I mention the above to show the reasonableness of my offer to settle. To avoid drawn out litigation and because I am also a member of the ARM industry, I propose the following to resolve the FDCPA claims I have.
Tradeline deletion of the XXXX XXXX XXXX item on my credit reports from all bureaus you report to Waiver of the debt completely o No further collections on the account, account wont be sold to another agency and no XXXX due to waiver ; and Reimbursement of my {$50.00} that was not authorized and {$12.00} fee.
Resurgent can keep {$150.00} of the {$200.00} in payments they have received o According to my colleagues who work in asset sales at major creditors and a competitor of yours, the {$150.00} should come close to covering the cost of purchasing this type of debt.
If you are agreeable, I can provide a release, or I am willing to use a release drafted by your company. I would like a response to this offer by this Friday, XX/XX/XXXX. You can respond directly to my e-mail at XXXX you have my express permission to do so. You may call me at XXXX to confirm receipt of this letter. I will hold off on filing this e-mail with the CFPB as they allow me until XX/XX/XXXX to provide an update as to your filed response with them. I look forward to hearing from you and resolving this matter. Have a great week.
Regards, XXXX XXXX Last 4 SSN XXXX DOBXX/XX/XXXX
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| 09/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts.
( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
1006.14 Harassing, oppressive, or abusive conduct.
( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section.
( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
1006.18 False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.
( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).
( iii ) Any individual is an attorney or that any communication is from an attorney.
( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.
( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.
( vi ) Accounts have been turned over to innocent purchasers for value.
( vii ) Documents are legal process.
( viii ) Documents are not legal process forms or do not require action by the consumer.
( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.
( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.
1006.22 Unfair or unconscionable means.
( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.
( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.
1006.30 Other prohibited practices.
( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
5 U.S. Code 552a - Records maintained on individuals
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| 09/04/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke.
XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts.
( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
1006.14 Harassing, oppressive, or abusive conduct.
( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section.
( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
1006.18 False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.
( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).
( iii ) Any individual is an attorney or that any communication is from an attorney.
( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.
( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.
( vi ) Accounts have been turned over to innocent purchasers for value.
( vii ) Documents are legal process.
( viii ) Documents are not legal process forms or do not require action by the consumer.
( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.
( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.
1006.22 Unfair or unconscionable means.
( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.
( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.
1006.30 Other prohibited practices.
( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
5 U.S. Code 552a - Records maintained on individuals
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| 09/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transfe
rred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiati
on of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts. ( c ) Validation information. Pursuant to pa ragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt coll
ector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this secti
on : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collect
or is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the
debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to
that separate page. ( ix ) The current amount of the debt. 1006.14 Harassing, oppressive, or abusive conduct. ( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section. ( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. ( b ) False, deceptive, or misleading representations. ( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof. ( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ). ( iii ) Any individual is an attorney or that any commun ication is from an attorney. ( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer. ( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited
by this part.
( vi ) Accounts have been turned over to innocent purchasers for value.
( vii ) Documents are legal process.
( viii ) Documents are not legal process forms or do not require action by the consumer.
( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. ( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt. 1006.22 Unfair or unconscionable means. ( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section. ( b ) Collection of unauthorized amounts. A debt collector must not collect any amount
unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any i
nterest, fee, charge, or expense incidental to the principal obligation. 1006.30 Other prohibited practices. ( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i )
Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish i
nformation about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ). 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person sh
all not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
5 U.S. Code 552a - Records maintained on individuals
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| 07/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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XXXX sent somebody from XXXX XXXX XXXX XXXX to serve me court papers about them suing me for a credit card debt the bought from XXXX XXXX. As requested I responded in the right amount of time, submitted and filed it with the courts. went by the book. I clearly expressed I wasn't even sure the debt was mine to begin with. I have no problems taking responsibility for certain things. I don't remember the card being in my possession and I explained to them that around the time of that card I had been kicked out of my home and all my possessions were kept including my wallet my clothes my shoes and all my belongings a lot of it was destroyed and some of it was sold I guess. but I was on the street and if I had had a credit card I wouldn't have had to sleep in my car or beg my mother for money for shoes I XXXX sure would have been homeless with a credit card with a {$5000.00} limit on it. I never saw the card again I had to start all over and that's how long I have to starting over I had an accident at home cost me a XXXX XXXX XXXX so my memory of things are not the best. But in any case because of that XXXX XXXX I have health issues as well as pre-existing conditions that demand I am not allowed to get myself too stressed out because it can be detrimental and my health could deteriorate. so I found a letter they had sent saying that we can make a payment arrangement before needing to go to court so to keep my stress level down that's what I did. I contacted them and I set up an agreement to pay {$150.00} a month each month. they were supposed to send me paperwork that I was going to sign that way we could afford Court and the debt could start being paid. During this time due to stress from this incident and overworking myself I started having problems with my XXXX so I agreed and I made my first payment of {$150.00} in XXXX. I never received this supposed contract I was supposed to sign. but I still continue to pay them and made my payment for XXXX and made my payment for XXXX each of {$150.00} as we agreed on. I made the payment around the same time as I did the first one in XXXX which is the end of the month around the XXXX to XXXX I think. Because it was around the time of my birthday which was XX/XX/XXXX. I have a XXXX XXXX XXXX that stressed or my body can't handle what's going on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I did whatever it took including borrowing money to make sure that these payments happened so that way I could stay out of court. plus I XXXX XXXX XXXX and I don't need anything extra complicating my life due to me having to go through these health issues and already suffering extreme amounts of pain on a daily basis and XXXX XXXX XXXX XXXX XXXX XXXX. When I set up the payment plan I told the girl that I don't have almost any money XXXX is closing due to me having to look into XXXX because as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX you can't get really far so I was losing everything I'd ever worked for. I go and I check the mail XX/XX/XXXX I believe to see if my replacement driver 's license had came in the mail because it had been some time and I first opened a letter from a law firm I've never heard of telling me that the courts had awarded lvnv funding a judgment against me and the letter was trying to convince me to do bankruptcy or something. I've gotten probably about 15 of those letters already from different law firms that I've never even heard of about filing bankruptcy and my personal information obviously being used and I'm not sure why. But this was news to me I had not been informed that I had court and furthermore why would I have court if I have made payments according to a payment plan that I thought we agreed on even though I still have yet to see paperwork of such agreement. I was never informed that I had court or that I was having a judgment filed against me regardless and I'm not sure why I would have a judgment filed against me if they were receiving payment I have the receipts of every payment that I've made to them from the beginning of all this in XXXX of this year XXXX and XXXX. I would understand if they took me to court for judgment if I wasn't paying on an agreed plan but I did and just like they served me at my house on a Sunday evening to let me know they were suing me they could have done the same thing this time but they didn't they just went ahead and filed against me in XXXX. Immediately when I opened the next piece of mail and I saw that it was from them or from the court stating that I had a judgment against me in their favor I contacted the court and asked the court clerk how was that possible. how is it possible when I hadn't violated any supposed agreement especially when I haven't signed an agreement but they were still receiving a payment then how did they have a right to take me to court behind my back without being properly informed and receive a judgment against me while they were already taking my money. she didn't understand how that was possible either and she directed me to start filing reports with Trade Commission XXXX XXXX XXXX and whoever else I could so that way if investigation could happen and then I could take the findings that I investigation back to the courts to the judge so they can't try to take anything from me and that this could be resolved.. They received judgment I think and she said XX/XX/XXXX and then it was filed on XX/XX/XXXX. I want to say she mentioned something about it being originally filed in XXXX to take me anyways but if they did that in XXXX I had not missed a payment still it wasn't even time for my second payment so they took my first payment and then proceeded anyways to take me to court without me knowing and then collected XXXX payment still did not inform me of anything took me to court and collected XXXX XXXX payment and still hasn't said anything. the whole point of me paying this debt that I don't think is mine to begin with was to keep me out of having the stress of dealing with courts and having a judgment against me but they did it anyways behind my back and without informing me while taking my money when I already don't have any money to begin with. I don't own anything and I can't say I live paycheck to paycheck because I don't make a paycheck. I couldn't violated any contract because I didn't sign one and if I didn't violate a contract how can you take me to court over said contract and if I wasn't paying you then I would understand but they received the payment we agreed on over the phone and I haven't missed one yet. XXXX XXXX payment will be due and I don't have the money for that because now I have to get a lawyer to fight to keep them from trying to take whatever they think I may have which I don't have anything I live in an attic and sleep in a closet I'm losing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I'm having to close after working so hard to have and I have nothing to show for it I don't have a home I have a vehicle that works half the time that I fix that is worthless but I use it for work they're coming after me as if I have a million dollars when I don't have any money in a bank account. When I made those payments on XXXX and XXXX not only did I have to borrow that money but I didn't eat I went without food to make sure they got those payments for them to turn around and sue me and that's not right I want them to be held accountable for what I hear there's 400 complaints against them with a XXXX XXXX XXXX for fraudulent practices and something needs to be done to have a better XXXX XXXX XXXX rating of XXXX. Something. How are they still in business.?!
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| 01/04/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act regarding your above referenced file number that part, or all, of the alleged debt is DISPUTED and hereby demand validation and verification, in writing, as follows : 1. An authentic signed contract between you and CLIENT showing proof that you and that person and you are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation CREDITOR is claiming owed.
2. An authentic invoice for goods and/or services you provided.
3. Statement under penalty of perjury that : a. You are the bonafide party in interest of the contract and will produce said authentic signed contract ( # 1 above ) for my own and the judges inspection should there be a trial to contest these matters.
b. The name and address of all persons, corporations, associations, legal firms or any other parties and entities having an interest in the collection of legal proceedings regarding the alleged debt.
c. As a debt collector you have not purchased evidence of debt and are proceeding with this collection activity solely in the name of the original contracting party.
d. You know and understand that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause.
e. You will provide written verification from the stated creditor that you are authorized to act on their behalf in this debt collection action.
f. You have taken reasonable and prudent diligence to verify that the amount claimed old is in fact a legitimate debt prior to instigating this action and making said claims, and that all relevant correspondence has been reviewed prior to initiating this claim.
g. You will prove that you are the original creditor if in fact you claim to be and that the United states Federal Reserve XXXX any other entity besides your organization originated these funds.
4. Production of the account and general Ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect.
5. Under the truth in lending act pursuant to 15 UCS 1601-1667 J ( full disclosure ), I have the right to know who the true party of interest is in this transaction is. As such, I'm asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder then you admit to being the servicer of this obligation.
6. Please also stipulate for the record whether or not my loan has been securitized and if so the name of the XXXX my loan is bundled with.
7. If my loan has been securitized then please provide me the pooling and servicing agreement that names my loan as well as any documentation that explicitly gives you the right to service my loan as well as enforce the promissory note in the event of a foreclosure if you are hiding these facts from me despite my requests then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action.
8. Pursuant of U.C.C Article 3 3-501 ( b ) 2 ( 1 ) I am entitled to demand presentation of the negotiable instrument that demand is hereby ordered or I demand it present super visual inspection, MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the note. Claiming to be the holder in due course as a statement is insufficient proof of status and is/will be rejected a photocopy of the document is insufficient proof as it does not answer the question of who currently is the rightful and lawful Holder in Due Course.
9. If you are unable to provide this proof as I have requested within 30 days then you must admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. Article 3 3-301.
10. Under US code TITLE 15 > Chapter 41 > SUBCHAPTER V > 1692g part b, this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved you are hereby given notice. Blatant disregard for this law is subject to fines by the FTC you are advised to consult legal counsel on this matter.
11. I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 30 days as I have asked for point for point will be taken as an administrative default.
PLEASE PROVIDE ME THE FOLLOWING : 1. A statement admitting whether you are the holder in due course or whether you are the servicer.
XXXX. As stated admitting whether you have sold my note in a pulling and servicing agreement this is also known as securitization.
3. The identity of the true holder in due course for my loan if the loan has been securitized the name of the REMIC my loan was sold to.
4. The CUS IP number under which my loan was securitized to.
5. Make available for visual inspection of my original wet ink promissory note ( not a photocopy ).
Please contact me in writing to arrange for an appropriate point of inspection.
This is my good faith attempt to resolve this matter before I am forced to litigate against your company. I am pleading with you to resolve this matter privately and civilly to avoid burdening our courts with this matter. If I have to, I will see you in court.
Contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt constitutes a scheme of fraud by advancing a writing that you know or should be known is false, with the intention that the courts and/or others rely on the written communication to impair or damage my credit rating, my reputation, my standing in the community as well as intentionally inflicting financial and emotional harm upon me I take this notice and my rights very seriously and expect the CREDITOR to do the same.
In the event that this debt is not validated by you as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. You may want to obtain legal opinion on this, but I believe that would constitute a scheme of fraud if this debt were to be resold ; assuming that CREDITOR has in fact purchased evidence of debt in this matter.
I will also not respond to any future correspondence that is not signed or does not indicate who at your firm has sent the demand for payment.
I expect time to responses to the above confirmations and that they be made in writing and sent via certified mail to the address listed below. Alternatively a letter from your firm that the matter has been satisfied and a copy of the letter you sent to all three credit reporting agencies asking them that the adverse credit reporting relating to this transaction big sponge by these three major credit reporting agencies immediately.
Failure to provide these items shall mean your admission that you have no claim, your agreement not to report negatively to the credit bureaus, and your agreement never to contact me or the person named in your correspondence again.
Include it please find a Notice and Demand for Payment in case you are not able to validate the debt your assets will be given a Notice of Lien in the amount and at the interest of your invalidated alleged and now illegally collected debt.
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| 11/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Brief Synopsis : 1 : Sometime in XXXX, LVNV Funding allegedly became the assignee of a disputed debt ; however, they refused to provide any proof of this debt or that they were, in fact, a legitimate assignee then and still refuses to provide such information, despite my requests pursuant to the Fair Debt Collection Practices Act.
2 : I was never initially notified by LVNV Funding that they had acquired the alleged debt until receiving court documents from the XXXX XXXX XXXX XXXX XXXX. I filed a detailed and timely Answer and Defenses in response to their action. My response, in XXXX, clearly stated " Defendant has a reasonable belief that the Plaintiff is not a true Assignee and lacks standing to bring this action. Defendant demands strict proof of the alleged Assignment. '' Proof was never provided by LVNV Funding or LVNV 's attorneys.
3. LVNV Funding/XXXX XXXX XXXX XXXX XXXX obtained a judgment at a trial date at which I could not attend, as the court hearing notice got lost in mail and was never received. I immediately filed a Motion to Vacate that Judgment, had a hearing date set and attended. Despite the uncontested evidence that I had not received the notice of trial, the Court refused to vacate the improper judgment. In XXXX of XXXX, after the judge would not over turn his decision on the default judgment, the attorney with the XXXX XXXX XXXX XXXX XXXX, was to discuss with his client on proposing a settlement amount. He never got back with me.
4 : On XX/XX/XXXX when I inquired about trying to settle the alleged debt, a representative from the XXXX XXXX XXXX XXXX XXXX stated this matter was closed in their offices and referred me to Resurgent Capital Services. This was the first time I have heard of Resurgent Capital Services.
5. After calling Resurgent Capital Services to get the information on whom I needed to speak with regarding the LVNV Funding debt, they notified me that they had two debts listed in my name with the " owner '' being LVNV Funding, one for XXXX XXXX and the other for LVNV Funding, assignee of XXXX XXXX XXXXXXXX Just as in the LVNV Funding case, I had never received any notice from LVNV Funding that it now also owned the XXXX debt. It appears that LVNV does and/or did not send notice ( s ) when it purchased this account as they have claimed they did so in the past. I had received all of the previous other collection agency notices regarding the disputed debts with both XXXX and XXXX XXXX, which were both properly and timely disputed. In fact, I have an email from XXXX where XXXX was notified about the disputed charges with XXXX XXXX and requested to cease the 3 to 4 times a day harassing phone calls. Again, I received communications from that collection agency but no notices from LVNV, Resurgent Capital Services, The XXXX. XXXX XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX regarding that disputed debt. This failure to provide written notices and documents seems to be a common practice for LVNV and its legal representatives.
6 : Resurgent Capital Services had referred me to The XXXX XXXX XXXX XXXX who advised that they were now the firm handling the LVNV/XXXX XXXX debt, not the XXXX XXXX XXXX XXXXXXXX XXXX.
7 : Regardless of the lack of previous written notifications, Resurgent Capital Services was put on verbal notice that the XXXX debt had been disputed repeatedly ; I explained to them why it had been disputed in the past and requested all the documentation proving that debt, and explanations on being billed for full monthly payments for both DSL and a Phone Line when all I had was a phone line for 3 months. The lady at Resurgent Capital Services said I would receive a " packet '' in the mail in about 30 days with all that information. I received a letter from Resurgent Capital Services on XX/XX/XXXX stating " enclosed was an account summary which provides verification of debt. '' Clearly, this was not what I had requested. Due to their failure to properly respond, Resurgent Capital Services was mailed a Fair Debt Collection Practices Act Request Letter. ( See attachment XXXX Letter to Resurgent XXXX XXXX. That letter was received by someone at Resurgent 's on XXXX and a copy was also emailed to the office of XXXX. Resurgent Capital Services failed to respond to the FDCPA Request letter with documents evidencing that LVNV Funding is the true and valid assignee of the alleged XXXX Debt they " acquired ''.
8 : Furthermore, regarding the alleged debt in judgment mentioned above in # XXXX, both Resurgent Capital Services and XXXX XXXX XXXX XXXX, were sent FDCPA Document Verification Request letters on XX/XX/XXXX XXXX file attached " XXXX to Resurgents_LVNV Funding XXXX '' XXXX requesting documents and specifically a copy of judgment that LVNV and/or now Resurgent Capital Services holds on the debt. Both parties received that letter on XX/XX/XXXX. Both Resurgent Capital Services and XXXX XXXX. XXXX XXXX failed to respond to that letter in any manner, either orally or in writing.
It is clear and indisputable that there have been repeated FDCPA violations, as follows : 1 : I never received notice of assignment on either the XXXX Debt or the XXXX XXXX debt that LVNV Funding claims to have acquired. FDCPA # 1 violation by Resurgent Capital Services on 2 accounts 2 : My XX/XX/XXXX letter to Resurgent Capital Services, a debt verification letter, was sent within the allotted 30-day time frame of receiving their letter dated XX/XX/XXXX, and there has been no response. FDCPA violation # 2 of Resurgent Capital Services 3 : The Consumer Finance ( cfpb ) also states that " A debt collector must tell you the name of the creditor, the amount owed, and that you can dispute the debt or seek verification of the debt. Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. '' a ) XXXX XXXX. XXXX XXXX and Resurgent Capital Services were and are attempting to collect the LVNV debt/ judgment. Those are both debt collectors and subject to the FDCPA.
b ) Both XXXX. XXXX XXXX and Resurgent Capital Services were sent letters on XX/XX/XXXX requesting proof of ownership, as well as, a copy of the judgment and both failed to respond. FDCPA violation # 3 by both parties In conclusion, all parties involved with email contacts were contacted on XX/XX/XXXX and notified about the repeated FDCPA violations. I have made numerous good faith efforts to resolve these alleged debts, and suggested at this time that both the XXXX disputed debt and the disputed LVNV Funding judgment be " satisfied ''.
I requested that any one of the many parties involved to please advise within 7 calendar days of the response to my settlement proposal. The 7 calendar days have expired, and I did not receive a response from any of the 3 parties involved, orally or in writing. They were put on notice that I would be filing this complaint if I did not hear back on an agreement or offer to resolve the disputed debts.
More recently, on XX/XX/XXXX, I received a letter from XXXX XXXX ( see attached XXXX XXXX Letter XXXX ) advising they are now handing the XXXX debt for LVNV Funding. The recent transfer of this alleged debt is merely a blatant attempt by Resurgent's/LVNV to avoid their repeated FDCPA violations after receipt of my email communication to Resurgent 's on XXXX XXXX XXXX XXXX is now also in violation of the FDCPA in their attempts to collect a debt on which the statute of limitations has, by their own admission, has expired, and this letter is nothing but further wrongful harassment by LVNV and their 3rd party collection agencies.
|
| 09/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Notice of Default - Federal Claim/Arbitration All disputes with respect to this Agreement, including the existence, validity, interpretation, performance, breach or termination thereof or any dispute regarding non-contractual obligations arising out of or relating to it shall be referred to and finally resolved by arbitration administered by the Federal XXXX XXXX XXXX in force when the Notice of Arbitration is submitted.
If parties are unable to settle the dispute within the next ten ( 10 ) days, the parties shall refer the dispute to arbitration administered by XXXX
Your company is attempting to collect a debt without a contract. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law., There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.
Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship.
I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Deletion from all consumer reports 2. Clear away any alleged balance owed 3. Pay damages in the amount of {$10000.00}.
You shall be granted five ( 5 ) days to respond.
Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.
Evidence to prove personal knowledge may consist of the witnesss own testimony.
If there is no response to this letter within five ( 5 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws.
I have yet to be provided with proper debt validation. Please note, a statement is not an invoice, so would you please provide a signed invoice as requested. Please advise that any statements does not qualify as validation made pursuant to the F.D.C.P.A. laws. Also, a photocopy of an alleged loan application form does not constitute a contract since it does not contain signatures both by parties therefore please provide wet ink signatures of both parties. Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : The amount you claim the Respondent owes you An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount The identity of the original creditor Confirmation that the account has not crossed the statute of limitation ( SOL ) period Evidence that you are a licensed debt collector Evidence of your license numbers and your registered agent. A copy of the Contract binding both parties, in a letter by certified mail so that there is an independent witness to it having been delivered. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A. Defamation of character Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Please advise that any statements does not qualify as validation made pursuant to the F.D.C.P.A. laws. Also, a photocopy of an alleged loan application form does not constitute a contract since it does not contain signatures both by parties therefore please provide wet ink signatures of both parties. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate remedy for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) XXXX of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ). If your agency/ company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
Note : Pursuant to 28 U.S.C. Section 1746 The attached statement does not need to be signed by a notary, provided it contains the following language : I declare ( or certify, verify, or state ) under penalty of perjury that the foregoing is true and correct.
XXXX, XXXX XXXX
|
| 05/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. RESURGENT RECEIVABLE bal. {$1900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 03/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. LVNV FUNDING LLC bal. {$260.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 02/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. LVNV FUNDING LLC bal. {$490.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. Please cease and desist all collection activities until you can properly validate this alleged debt. I have not done or agreed to do any business with Credence nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : Delete this account and cease and desist with all collection activities. Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages. This is a direct violation of my rights 15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE Credence ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY REPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Copy of link to Law Attached XXXX XXXX XXXX XXXX XXXX violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. Accuracy and fairness of credit reporting. The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.
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| 10/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Details of all violations explained below. documents attached also.
RESURGENT CAPITAL FINANCIAL SERVICES/LVNV FUNDING HAS BOUGHT MY IDNETIFYING INFORMATION FROM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX SOLD IT ON THE XXXX. MY PERSON, MY ENTITY HAS BEEN TAKEN AND PUT OUT TO BE SECURITIZED AND NUMEROUS VIOLATIONS ARE HAPPENING. I HAVE ALSO REVIEWED THE 8K AND 10-K FORMS ON SEC.GOV Item 16.
Form 10-K Summary None.
88 Table of Contents SIGNATURES Pursuant to the requirements of Section 13 or 15 ( d ) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Chief Executive Officer Date : XX/XX/XXXX Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed by the following persons on behalf of the registrant and in the capacities and on the dates indicated.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Chief Executive Officer and a Director Senior Vice President and Chief Financial Officer ( Principal Executive Officer ) ( Principal Financial and Accounting Officer ) Date : XX/XX/XXXX Date : XX/XX/XXXX /s/ XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX Chairman of the Board of Directors and a Director Director Date : XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date : XX/XX/XXXX /s/ XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX LVNV FUNDING/LVNV FUNDING LLC/RESURGENT CAPITAL Filing Information Document Number XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX State DE Status ACTIVE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Changed : XX/XX/XXXX Mailing Address XXXX XXXX Place XXXX XXXX XXXX, SC XXXX Changed : XX/XX/XXXX Registered Agent Name & Address CORPORATION SERVICE XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Authorized Person XXXX XXXX XXXX Detail Name & Address Title President XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Title VP XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Title XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Annual Reports Report Year Filed Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF CODES THAT GOVERN XXXX XXXX LVNV FUNDING XXXX RESURGENT CAPTIAL/XXXX XXXX AND ALL OTHER SISTER COMPANIES THAT THEY CONTINUE TO CONTACT ME AND ENFORCE DEBT THAT IS NO LONGER OWED. EVEN WITH CEASE AND DESIST IN PLACE.
IN DOING SO AND PUBLICALLY STATING ON MY CREDIT REPORT THAT I HAVE AN ATTORNEY ASSIGNED TO SUE ME IS EVEN FURTHER PROOF OF VIOLATION.
15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
IN USING SEVERAL DIFFERENT NAMES, LLC 'S AND ADDRESSES LVNVFUNDING/LVNV FUNDING, LLC AND RESURGENT HAVE VIOLATED THE FDCPA AS DEFINED BY THE CFPB LIST OF VIOLATIONS.
Also LVNV and LVNV llc, has placed two different companies on my credit reports which MAKES DOUBLE THE IMPACT ON MY CREDIT REPORT FROM TWO DIFFERENT DEBT COLLECTION COMPANIES INSTEAD OF JUST ONE. MAKING MY CREDIT EVEN MORE DERAGOTORY AND DROPPING Y SCORE TO XXXX. AGAIN A VIOLATION OF THE FDCPA. DECEPTIVE AND THREATENING PRACTICES THAT INVOKE FEAR AND LIES WITH THE CONSUMER.
XXXX XXXX XXXX has been accepting of the payment discharge through the IRS and proven so and properly remitted my 1099B to me. I also have proof attached that it was all accepted through the IRS.
However, LVNV FUNDING /LVNV FUNDING, LLC/ RESURGENT CAPITAL REFUSE TO ACCEPT THIS. I AM BEING HARRASSED ABOUT THIS, THREATENED TO BE SUED BY THEIR ATTORNEY AND IT IS PUBLICALLY PLAYING OUT ON MY CREDIT REPORT EVEN DOWNTO THE ATTORNEY IS NOW ON THE CASE STATEMENT ON MY CREDIT REPORT.
I never gave any financial company permission to report my identifying information to another. a clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
written consent is needed to add anything to the consumer report if I did not give this authorization that is a violation.
P.L 90-321 ( 82 Stat. 146 ) which is law law that backs the code is even stricter as it states that any agency can only access the report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on the report any item that is a derogatory mark is not allowed into consumer reports this is another violation.
LVNV FUNDING/ LVNV FUNDING LLC/ RESURGENT CAPITAL HAS : ATTACKED MY CREDIT USING COERCION AND DECEPTION AND HUMILIATION.
IGNORED THE FACT THAT THE PAYMENT WAS ACCEPTED BY CREDIT ONE AND DELETED FORM MY CREDIT REPORTS ACROSS THE BOARD!
SECURITIZED MY IDENTIFYING INFORMATION AND SECURITIZED IT IN THE MARKETS.
LVNV FUNDING AND LVNV FUNDING LLC AND RESURGENT CAPITAL BOUGHT MY IDENTITY, LIKENESS, AND INFORMATION FROM A COMPANY- XXXX XXXX XXXX WITHOUT ACKNOWLEDGING THAT IT IS PUNISHABLE OF TWO YEARS IMPRISONMENT TO SELL INFORMATION TO AN ENTITY FOR FINANCIAL GAIN.
Willful noncompliance is another violation.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I DEMAND TO KNOW WHO RESURGENT CAPITAL/LVNV FUNDING/LVNV FUNDING, LLC SPOKE TO AT XXXX XXXX BANK TO GET MY PRIVATE IDENTIFYING INFORMATION ALSO, THE TIME AND DATE ALSO, THE RECORDING OF THE PHONE CALL AND THE AMOUNT PAID FOR THE ACCOUNT I DEMAND THIS INFORMATION AND I AM REVIEWING ALL RESURGENT SEC FILINGS.
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| 10/02/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Details of all violations explained below. documents attached also.
LVNV FUNDING, LLC/LVNV FUNDING HAS BOUGHT MY IDNETIFYING INFORMATION FROM XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX NV XXXX SOLD IT ON THE XXXX. MY PERSON, MY ENTITY HAS BEEN TAKEN AND PUT OUT TO BE SECURITIZED AND NUMEROUS VIOLATIONS ARE HAPPENING. I HAVE ALSO REVIEWED THE XXXX AND XXXX FORMS ON SEC.GOV Item XXXX.
Form XXXX Summary None.
88 Table of Contents SIGNATURES Pursuant to the requirements of Section 13 or 15 ( d ) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
XXXX XXXX XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed by the following persons on behalf of the registrant and in the capacities and on the dates indicated.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Chief Executive Officer and a Director Senior Vice President and Chief Financial Officer ( Principal Executive Officer ) ( Principal Financial and Accounting Officer ) Date : XX/XX/XXXX Date : XX/XX/XXXX /s/ XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX of the Board of Directors and a Director Director Date : XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date : XX/XX/XXXX /s/ XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX LVNV FUNDING/LVNV FUNDING LLC/RESURGENT CAPITAL Filing Information Document Number XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX State DE Status ACTIVE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Changed : XX/XX/XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Changed : XX/XX/XXXX Registered Agent Name & Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Authorized Person XXXX XXXX XXXX Detail Name & Address Title President XXXX, XXXX XXXX XXXX Place XXXX XXXX XXXX, SC XXXX Title VP XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Title XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Annual XXXX Report Year Filed Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX VIOLATION OF CODES THAT GOVERN LVNV FUNDING/ LVNV FUNDING LLC/ RESURGENT XXXX XXXX AND ALL OTHER SISTER COMPANIES THAT THEY CONTINUE TO CONTACT ME AND ENFORCE DEBT THAT IS NO LONGER OWED. EVEN WITH CEASE AND DESIST IN PLACE.
IN DOING SO AND PUBLICALLY STATING ON MY CREDIT REPORT THAT I HAVE AN ATTORNEY ASSIGNED TO SUE ME IS EVEN FURTHER PROOF OF VIOLATION.
15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
IN USING SEVERAL DIFFERENT NAMES, LLC 'S AND ADDRESSES LVNVFUNDING/LVNV FUNDING, LLC AND RESURGENT HAVE VIOLATED THE FDCPA AS DEFINED BY THE CFPB LIST OF VIOLATIONS.
Also LVNV and LVNV llc, has placed two different companies on my credit reports which MAKES DOUBLE THE IMPACT ON MY CREDIT REPORT FROM TWO DIFFERENT DEBT COLLECTION COMPANIES INSTEAD OF JUST ONE. MAKING MY CREDIT EVEN MORE DERAGOTORY AND DROPPING Y SCORE TO XXXX. AGAIN A VIOLATION OF THE FDCPA. DECEPTIVE AND THREATENING PRACTICES THAT INVOKE FEAR AND LIES WITH THE CONSUMER.
XXXX XXXX XXXX has been accepting of the payment discharge through the IRS and proven so and properly remitted my XXXX to me. I also have proof attached that it was all accepted through the IRS.
However, LVNV FUNDING /LVNV FUNDING, LLC/ RESURGENT CAPITAL REFUSE TO ACCEPT THIS. I AM BEING HARRASSED ABOUT THIS, THREATENED TO BE SUED BY THEIR ATTORNEY AND IT IS PUBLICALLY PLAYING OUT ON MY CREDIT REPORT EVEN DOWNTO THE ATTORNEY IS NOW ON THE CASE STATEMENT ON MY CREDIT REPORT.
I never gave any financial company permission to report my identifying information to another. a clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
written consent is needed to add anything to the consumer report if I did not give this authorization that is a violation.
XXXX XXXX ( XXXX XXXX. XXXX ) which is law law that backs the code is even stricter as it states that any agency can only access the report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on the report any item that is a derogatory mark is not allowed into consumer reports this is another violation.
LVNV FUNDING/ LVNV FUNDING LLC/ RESURGENT CAPITAL HAS : ATTACKED MY CREDIT USING COERCION AND DECEPTION AND HUMILIATION.
IGNORED THE FACT THAT THE PAYMENT WAS ACCEPTED BY XXXX XXXX AND DELETED FORM MY CREDIT REPORTS ACROSS THE BOARD!
SECURITIZED MY IDENTIFYING INFORMATION AND SECURITIZED IT IN THE MARKETS.
LVNV FUNDING AND LVNV FUNDING LLC AND RESURGENT CAPITAL BOUGHT MY IDENTITY, LIKENESS, AND INFORMATION FROM A COMPANY- XXXX XXXX XXXX WITHOUT ACKNOWLEDGING THAT IT IS PUNISHABLE OF TWO YEARS IMPRISONMENT TO SELL INFORMATION TO AN ENTITY FOR FINANCIAL GAIN.
Willful noncompliance is another violation.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I DEMAND TO KNOW WHO RESURGENT CAPITAL/LVNV FUNDING/LVNV FUNDING, LLC SPOKE TO AT XXXX XXXX XXXX TO GET MY PRIVATE IDENTIFYING INFORMATION ALSO, THE TIME AND DATE ALSO, THE RECORDING OF THE PHONE CALL AND THE AMOUNT PAID FOR THE ACCOUNT I DEMAND THIS INFORMATION AND I AM REVIEWING ALL LVNV FUNDING/LVNV FUNDING LLC SEC FILINGS.
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| 12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Account Name : Resurgent/LVNV Funding Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection Account. {$8200.00} past due as of XX/XX/XXXX.
Status Updated : XX/XX/XXXX Balance : {$8200.00} Balance Updated : XX/XX/XXXX Recent Payment : $ 0 Monthly Payment : {$0.00} Original Balance : - Highest Balance : {$0.00} Terms : 1 Months On Record Until : XX/XX/XXXX This collection appeared on my XXXX and XXXX credit reports however I disputed this account with XXXX as this account is unknown as this has numerous federal violations in the information. However this account was verified by experian. Then after this account also appeared on my XXXX Report.
Under 15 USC Chapter 41, Subchapter V : Debt Collection Practices specifically section 1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
LVNV failed to follow the steps outlined within in the timeframe allowed by the law. The first communication was made via email XX/XX/XXXX at XXXX EST which has been attached as " exhibit A initial communication. '' According to the 1692a. Definitions As used in this subchapter ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection.
( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt.
( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.
( 7 ) The term " location information '' means a consumer 's place of abode and his telephone number at such place, or his place of employment.
( 8 ) The term " State '' means any State, territory, or possession of the United States, the District of Columbia, the XXXX of XXXX XXXX, or any political subdivision of any of the foregoing.
The 5 days AFTER the initial communication would be would be the XX/XX/XXXX and i have attached all emails sent within in that time frame and none of the communication listed any of the required statements under the law : ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
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| 04/30/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Since XX/XX/2018 I have been harassed by Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX to the point of traumatization regarding a debt they have listed on my credit report. After I filed a formal inquiry into XXXX XXXX XXXX deceptive practices and predatory lending, they sent me a nasty letter from their corporate office acknowledging the cease and desist order I provided them. My letter to them included further direction to forward my cease and desist prohibiting further harassment or contact by phone and email to any collection agencies/debt buyers should XXXX XXXX XXXX elect to sell the debt to avoid further investigation. Shortly after I received their written acknowledgment, they tacked on $ 100s of dollars in erroneous penalty fees and sold the debt to Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. As recently as today, I have been continuously bombarded with hundreds of phone calls, a litany of voicemails and constant threats of being sued in court, jailed and lifetime negative reporting to the credit agencies for the debt by XXXX XXXX XXXX/Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX.
When I called to get general information about their company, even without providing their collection agents with ANY personal information, they have been demeaning, sarcastic and truly make me fear for my life. When I call in to get general information their aggressive ill mannered collection agents make me question the ability to work through a successful bankruptcy. I have called their general service line just to get information about their company and I did not provide any specific account information, they start off pleasant and then become argumentative and keep telling me that they have already started the legal process to sue me and that it doesnt matter if I told the original creditor about my intent to file for bankruptcy. They yell at me in a caustic manner and demand that I pay them the balance or figure out my finances to resolve the debt including asking other people for money, taking out loans to pay the debt with them or telling me that they can keep the lawsuit at bay by making a payment over the phone with them. I never provided any of the phone representatives any information about my account or personal information like my SSN. Just general collection representatives that verbally assault me like Im a criminal. For nearly 9 months every single day I am sent emails from a host of collection agents operating under Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. Some of the agents include XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and almost 60 additional collection agents with different email addresses and spoofed phone numbers repeatedly calling me all day long. These agents - who I am NEVER replied to, NEVER spoken to, and NEVER provided consent to contact me using my shared employment email or employment phone number send me emails telling me that they spoke to me and want me to make the payment with them that they lie and say that I agreed to over the phone ( having NEVER spoken me ). In recent months they have increased their level of threats and have begun to falsify contact records to bolster the lawsuit that they have been threatening me with. The collection agents have been sending me emails for a few months or so now telling me that I called them or that I spoke to them on the phone and they want to go over the payment plans we discussed. I HAVE NEVER SPOKEN TO ANY OF THEIR COLLECTION AGENTS regarding any kind of payment plans or any details about my specific social security number or debt with them. I have included just ONE of hundreds of emails they flood my work inbox with, disclosing the debt to my coworkers. I am humiliated by their actions and outright lies saying that I have called them or that they called and spoke to me and talked about me providing my payment information to settle with their office. I have all of the phone records for their calls to me including all of the rapid back to back phone calls and disconnects on me, the harassing voicemails, the harassing emails from Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX and their agents and along with having to include them in my bankruptcy filing, I am working with a legal advocate attorney to determine what other options are available to me and the other customers who are experiencing the lies, threats, falsification of records and credit reporting from Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX.
I have never provided my work email address to this collection company, I have never provided my work cell phone to this collection company and I have never provided consent for this collection company to contact me using my shared inbox work email address where others have access to my emails. The company continues to send me daily emails listing my personal information, amount of money owed, as well as partial account numbers that others can use to identify me and obtain copies of my credit report or impersonate me using information obtained from the emails sent. The original creditor XXXX XXXX XXXX was provided with a written notice prohibiting any contact using phone or email and requiring contact via postal mail service only. The notice provided to XXXX XXXX XXXX expressly explained that I did not consent to contact by them or their collection agents via any other methods. XXXX XXXX XXXX acknowledged the notice with their reply to me in written and still continued their daily harassment until selling the account and now I have petrified of the tactics being used by Resurgent Capital Services/LVNV Funding LLC/XXXX/XXXX XXXX XXXX XXXX. I am called all hours of the early morning, throughout the day and well into the late night by their aggressive collection agents. They use call spoofing technology to display different phone numbers when they call but the numbers trace back to their harassment under any online search. They have called, hung up in my face, and called back to back, and back to back again. I finally had to ask my employer to change my phone number because of the harassing calls. Once my number changed, the number of emails I was getting went from 1 email from one agent daily to up to 5 emails+ in one day from several collection agents. Each branch/department of each of these collection agencies operates with reckless abandon and a complete disregard for any consumer financial protection laws in place. I am requesting a full investigation into each entity Resurgent Capital Services, LVNV Funding LLC, XXXX, and XXXX XXXX XXXX XXXX including a full review of their business practices and audit of other customer complaints like mine against their company. They can not be allowed to continue this kind of abuse.
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| 04/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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About one month ago I noticed that there was a negative account on my credit report. I called Experian credit reporting agency to question and dispute the account because I did not recognize the account under LVNV FUNDING LLC. After speaking to the Experian agent on the phone, She was able to explain to me that it belonged to an original count called XXXX XXXX XXXX for a {$300.00} credit card that I had used years back. She recommended that I call LVNV FUNDING LLC directly to communicate an agreement of payment on the account and to request to have the negative statement removed from my credit report after payment. When I called them I spoke to someone and we came to an understanding that the {$610.00} Charge was from the original {$300.00} Credit Card. I explained to her that I wanted to dispute the {$610.00} charge and she offered the half settlement of the amount. I explained to her that the purpose of my call was to have the negative account removed from my credit report and that I would make the payment of {$300.00} But only if it would be removed from my credit report. She explained to me that I would be able to do so by creating a account at their website called : www.portal.resurgent.com. After logging into the website, I created an account and saw the details of the account and payment options on the primary page it explains that If your account is currently reporting to the credit reporting agencies when your payment resolving this account is processed a request will be submitted to the credit reporting agencies within 30 days to delete the trait line associated with the account if this account has not yet been reported to the credit reporting a to seize at the time your payment resolving this account is processed it will be reported. This was for the payment amount of {$610.00} When clicking on view more account information it displays other payment options such as scheduled payments or paying half the Balance. The statement noted above about deletion of negative Information on my could report did not appear on this page for half payments. I called back to express this concern to another LVNV FUNDING LLC agent or and request to speak to a supervisor or a manager because the agents were not able to send a letter or an email with the statement of removal or deletion of the negative statement on my credit report. After speaking to a Supervisor at LVNV FUNDING LLC Regarding my concerns and request they stated that sending a letter with the company letterhead and/or an email is not a practice that their company uses and stated that it is listed on the primary page of the account that I log in to. I expressed to the supervisor that that statement only applied to the full balance payment which was {$610.00} and that was the original balance that I was disputing in the 1st place. I also ask why there was a balance of {$610.00} when I only had a credit limit of {$300.00} on the credit card in the 1st place. She could not explain why it appeared that way and stated that was The initial reason why they offered for me to pay half of the bill to satisfy the account. I expressed to the supervisor that it was a concern that I would pay the bill and the native statement would not be removed from my credit report and that I would not make a payment until I received a letter or an email from someone affiliated with the company and had not heard anything from them since. I called experience to dispute the charge and to show proof of the bill belonging to me. A few days later I received a letter from XXXX XXXX XXXX XXXX. Displaying the exact same information has resurgent affiliated with LVNVFUNDING LLC. XXXX XXXX XXXX XXXX Is the payment business that collects the actual payments. I first Spoke to XXXX And expressed my concerns of making a payment and requested to have a letter from the company or an email expressing the deletion of the negative statement on my credit report. XXXX then stated that they only take payments and do not make the agreements of deletion of statement from your credit report which can only be done by someone in management at : LVNVFUNDING LLC. When I called LVNVFUNDING back and express to them my communication With XXXX at With XXXX at XXXX XXXX XXXX XXXX. I was then told that it was actually their responsibility where XXXX work and that they would for the call back to XXXX XXXX XXXX XXXX I was then told that it was actually their responsibility where XXXX work and that they would for the call back to seek XXXX XXXX XXXX XXXX. I then was connected to someone by the name of : XXXX XXXX And expressed to her all of the details of my request to make a payment and a have the negative statement and move from my credit report but only after I was emailed or mailed and let her with the agreement of my conversation and the details of the deletion of this negative statement from my credit report was made 1st. LaquishaPlaced me on hold to speak to her manager to a quest to do so. After having me on hold for up to 15 minutes we both agreed that she would call me back after she spoke to her manager or the process was done and for me to verify if I received the email.This did not happen and I called back the very next morning after speaking with her again regarding the same subject she was able to get someone from management to send me an email titled inquiry.This email basically had a Statement of the high balance of {$610.00} and that I would be making a payment to the account and had until the end of day of : XXXX or the agreement would be Null & Voided. I immediately replied back to whomever sent the email to me and in the email stated that the email I received it not have any of the conversation of the original agreement of me making the settlement payment of {$310.00} in addition to removing the negative statement from my credit report within 30 days after payment. The next morning I received a phone call from XXXX XXXX XXXX XXXX And was connected to a manager by the name of XXXX XXXX. I explained to him the concerns of the email I received from the company he worked for and my reply back to the email and ask if he had received it. He said it no he did not and I requested for him See if he could located from whomever sent me the email originally so that way we could cover all the details. After doing so he stated that I had XXXX options.
1. pay the full balance and get a record of for payment on my could report without deletion.
2. Pay have the balance and it would be noted as a Settlement payment.
3. Make no payment at all and this company would move forward with other actions to collect the debt.
Then XXXX asked me was there anything else that he could help me with I expressed to him " NO '' there was not, and I think I'm for his time and we both hung up the phone.
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| 08/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern, ***Please note : This is NOT a duplicate claim of a previous complaint. This is a follow up of newly discovered and disturbing events regarding the same company ( LVNV Funding and its affiliated companies ). Please read the entirety of this complaint to get a better understanding. It 's a new issue related to the previous complaint. After investigation, the issue is totally and completely different. Although, the company is the same my complaint is different but related to all the circumstances. I XXXX XXXX, am filing a newly disputed complaint against the entity of LVNV Funding LLC Services, and C/O : Resurgent Capital Services LLC, and C/O : Sherman Financial Services, regarding their collective and most recent unscrupulous events, and in further, their fraudulent, and intentional reportings of a debt that they all tried to collect on through collections approach, and by lawsuit approach gravaliciously. In XX/XX/XXXX, a lawsuit was filed against me, by LVNV Funding LLC, to appear in the XXXX County Small Claims Court, located in XXXX XXXX, IN. However, during that time frame I was residing in the East Coast, and so I Learnt of these troubling events through a closed friend of mine. Upon learning of such troubling events I made contacts with the courts and informed them of where I was residing and asked if a phone hearing was optional, which they said no. As Such, I shared with a female court clerk, that this debt was a huge surprise to me because back in XX/XX/XXXX, I received a call from a gentleman stating I had too many non paid outstanding debt, and as a result a cease and desist order would be put in place, and on this date this debt would be made nullified, and would be shared with other persons within our organization to not pursue this matter going forward as well, and I will be creating a filed in our systems indicating about what was being discussed today. And as such, I utilized the same shared events with the court clerk lady during the time when I contacted the court house. The court clerk lady, then, went ahead and took some extra statements from me, and then informed me about an e-mail link to provide some extra documents which I complied with upon her request etc. I then followed that up in making sure, that she had received all of which she had requested which was later confirmed by her. And to this day I never heard from anyone regarding the matter. I also made a followed up call to LVNV Funding LLC, in XXXX XXXX Michigan, from where the lawsuit was originally, originated from that was representing LVNV Funding Services, and it 's affiliated companies, and shared the same stories with a gentleman that I had came across which took the intake and said, alright and thanks for sharing this important matter with me. And it was utterly the same kind of approach, as I never heard from anyone to this day regarding the matter. However, I later had learnt that the case was dismissed and thrown out at the courts own discretion of actions related to the matter etc. Upon doing some further research, into the matter I later had discovered and realized that the constant reportings against my credit to the three major credit bureaus by LVNV Funding and their affiliated sister companies should have been a no, no which they were all reporting against my credit files for over three years as charged off as bad debt, and placed for collection status. Again, due to the courts rulings on the matter, this should have been a no, no by LVNV Funding LLC, and their affiliated sister companies. In other words, this particular debt was deemed as invalid, and moreover, such actions by LVNV Funding LLC Services, and company is fraudulent reportings on a debt that has no basis as owed, or a debt that was being placed for collections etc. So comes XX/XX/XXXX, I called into XXXX, and advised XXXX, that I would like to dispute this debt under false reportings, and further shared with them that I was sued for this debt, and that the courts had dismissed the case and thrown it out as a result of their own judgements of discretions etc. And therefore, it has no genuine merit for LVNV Funding LLC, and their sister companies to be reporting a debt in the the dollar amounts of {$820.00}, and {$920.00}, as owed in collection status etc. They took those verbal statements down of mine, and on that same day of XX/XX/XXXX, it was deleted by LVNV Funding LLC, and their affiliated listings of sister companies without putting up a fight XXXX, informed me of. However, the two other major credit bureaus is still reporting this debt in a similar fashion with LVNV Funding LLC, and their sister companies, after they willfully knew all along that these are serious violations of wrong doings in the debt collection business and marketplace. When I called into XXXX, on XX/XX/XXXX, " XXXX, who I had conversed with about a deletion and dispute, asked me what 's the reasons for your disputes? '' And I shared what I had shared with Trans-Union to XXXX, and his response was, " I ca n't dispute it under those terms. '' Then he said, to me, " hold on please, while I check on some notes here. '' " And thereafter, he came back and stated that he has a note stating the same shared sentiments that you, were stating to me, a few minutes ago, sent over to us by LVNV Funding LLC, about deleting the account due to a court ruling made three years ago related to the matter. '' " Then he proceeded by saying for me to give it about 30 days to see the new updates etc. '' Thereafter, I called over to XXXX, and was told by a " XXXX, that this account is reporting as delinquent and charged off as bad debt, and is also placed for collections by Resurgent Capital Services LLC. '' So, I went ahead and disputed the matter, under the same terms with XXXX. In my closing out analysis and conclusions related to these entire circumstances of such disturbing and deliberately troubling events, I for one am appalled and incredulous of the intentional and nefarious acts committed by LVNV Funding LLC, and their affiliated companies which supports acts of ethical fallacies, rationale fallacies, rhetorical fallacies, and which is of course reprehensible by all means. This phony business conduct is nothing but an attempt of exploitation acts in a corruptive manner to entrap and to take advantage of consumers like myself in the business marketplace, and even other consumers like myself. This disturbing, and deeply troubling, and serious acts of intent by LVNV Funding LLC, and their sister companies most definitely, should be rewarded with nothing but serious repercussions of consequences by all body of state, and federal government agencies through a severe deal of justices etc.
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| 07/28/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Here are pictures XXXX XXXX extended me credit which I used to buy 1 order of 3 items : 1 XXXX controller price orginally XXXX now on statements XXXX.
1 XXXX XXXX XXXX 3 1 silver earrings which I was allergic to or my mail was possibly poisoned so I returned it.
XXXX did not give me a 10digit Customer ID and used confusing digits to identify account ie XXXX XXXX.
XXXX did not ship my items in 1 order to increase total shipping cost to about {$45.00} USD.
I am certain that XXXX altered prices especially on the returned item ; see photo.
XXXX still will not give my Customer ID and claims my account was sold to another company that uses the same email prefix XXXX XXXX [ XXXX ] vs [ XXXX ].
I believe XXXX can refuse to case money orders or wait to cash them causing debt errors. Or my mail is stolen and/or not delivered.
I was unable to pay online or via card because the 10digit customer ID requirement but I have a 9 digit Customer ID.
I suspect my mail is not being delivered and/or posioned with " yellow stuff '' I am missing a large amount of money from Social Security Award. XXXX Card Statements show XXXX+ in back pay for Claim XXXX see XXXX but I was XXXX and still unable to afford housing. My mother XXXX XXXX XXXX XXXX died on XXXX XXXX XXXX at XXXX XXXX in XXXX XXXX. I think I am being robbed of money especially during times when I was put in XXXX hospital involuntarily and the Police stole my ID card. I am also missing 2 XXXX XXXX rings a blue XXXX dollar bill stamped " main office '' in blue ink and my XXXX.
After this incident I left the trailer I was staying at Mom 's old care giver XXXX XXXX and I was XXXX again. If I had actually gotten the award amount claimed perhaps my mother would be living and I wouldnt have been homeless.
Now I think I am responsible for the XXXX Back Payment in taxes and the XXXX. I wrote Social Security requesting that they stop printing my full social security number on all mail and asking for a new SSN. I also sent certified letters via XXXX XXXX Social Security Office XXXX XXXX XXXX SSA Dep XXXX Additionally my SSN has writs of execution from XXXX I just discovered see XXXX and look for the civil cases list. I was put in XXXX XXXX but not taken to my civil court cases next door XXXX Central Court.
-- This, after being attacked by officers during XXXX XXXX and then " Bagged '' suffocated and my bloody tshirt evidence was destroyed and I couldnt subpeona the booking photo # XXXX for XXXX XXXX jail. They changed laws and claimed firearm removal and I was falsely arrested for " XXXX XXXX '' and [ intentional ] vandalism.
But I incurred a XXXX debt collection lien from the XXXX XXXX Scans and emergency medical treatment ( possible XXXX XXXX between XXXX of XXXX XXXX ). The next month XXXX gets new CEO and bonus payouts of XXXX, XXXX I was also deemed " XXXX XXXX '', unconstitutionally denied jury trial, denied bail, denied habeas corpus for want of bail CA PENAL 1490, and not arraigned within 72hours per CA Penal Code 825.
Additionally the Public Defender was not allowed to see me at least 1 time while at XXXX Right to see client is CA PENAL 825 ( b ) While at XXXX XXXX hospital and XXXX PRISON prior to SENTENCING or " fair trial '' ; I was denied all forms of contact with legal representation ; including mail.
I wish there was Internet in any facility whether it be government or not especially mental facilities. The constitutional right to " assemble in peace '' would be best asserted by online assembly via internet use.
Also there needs to be a way to : pay bills ; change mailing address with USPO, send certified mail, file taxes, method to pay 3USD for Civil Suit per applicable Law, work for minimum wage to afford judicial neccessities like PHONE TIME.
The Phone Monopoly prevents calls to XXXX and any automated numbers like Attorney or Bank Robotic Message Prompts because PAID calls require the Callee to accept the call with a " Press 1 to accept this call '' limitation. XXXX are disabled but even the AREA CODE XXXX Directory Service Line is not callable so getting a Notary Public/ Attorney or you name it could be impossible. Thus it is my belief that BAIL is RANSOM requiring a 3rd party to intervene and perhaps co-sign with " REAL PROPERTY '' collateral.
Additionally, I suspect legal fraud with court documents failing to correctly name Attorneys of Record and intentionally omitting STATE BAR NUMBERS. Also the Courts utilize a Checkbox system that is easily modified at any later date. There needs to be a " checksum '' and " cross out '' unused check boxes.
I think if the court wasn't corrupt recording of CA court would be legal, additionally all courts would have docket numbers to ensure the accuracy of calendared court events. But XXXX XXXX Court does not do this, it was my experience that I was chained armed crossed and not able to submit motions for XXXX return of unlawfully siezed property without Reciept of Manifest. And I was not able to submit subpeonas nor a XXXX XXXX motion involving the expert witness destructions of " would-be '' laden fingerprints if police accusation were truth ; and the destruction of my T-shirt Bra and other Clothing articles. Which would have blood evidence. I was also not able to present my pink flip flops in court to argue against the claim of " wall kicking '' etc.
The court doesnt care that they erred. The Appellate court Plagiarised the material from the court case and reitterated it ; The Case Law will be unpublished and thus not allowable for plagiarism in court to deny a Judicial Officer the right of decision.
The Psychiatrist has more Judicial Power than judges with authoritive subjective statements comprising of two words " XXXX XXXX '' that can divest real property and deny and disparage all constitutional rights ; As evidented in the XXXX case and the divestment of communal spousal property of the XXXX owner 's ' Spouse.
Please consider Standarizing Law with common numbers state to state ratified at states discretion or amended.
Please consider a new field of employment ; The Peoples ' Amenders ' Office that can help citizen complaints, law creation, reporting of loop-holes for judical amendment for JUSTICE, etcetera. Quality Assurance Testing of the law would be a beneficial employment opportunity and perhaps save taxpayers the unJUST expense of CRIME and PUNISHMENT.
ie 1 person out of XXXX can cover the cost of up to 27 people on Food Assitance Programs. Conversely, a car thief punished, at maximum time per applicable laws ( which moot the need for court/jury review ), can cost more than XXXX to PUNISH. Wheras the original stolen car is much less of an expense.
Consider This, -XXXX
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| 09/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I have/had a Visa from XXXX XXXX XXXX. In XXXX I was having trouble making my payments and found help with XXXX, a Debt Consolidation company. XXXX contacted XXXX XXXX XXXX and informed them that I would be working with XXXX to pay off my crdit card balance on my XXXX XXXX XXXX account. XXXX and XXXX XXXX XXXX settled on a {$50.00} payment from me that I would send to XXXX and XXXX would send to XXXX XXXX XXXX. After one year of payments, XXXX said my account with XXXX XXXX XXXX should be paid off. I logged into my XXXX XXXX XXXX account and instead of a XXXX Balance, I saw a balance of just over {$1000.00}. This can't be happening. I called XXXX XXXX XXXX, and they said I was suppose to be making {$60.00} payments, not {$50.00} that they agreed with, with XXXX, so for over a one year period they were charging me the extra {$10.00} to make {$60.00}, and they were charging me late fees to equal {$1000.00}. XXXX XXXX XXXX told XXXX I had missed a payment and they took me off the program with XXXX. XXXX and I had no knowledge of any missing payments.
XXXX told me to take XXXX XXXX XXXX off of my account with XXXX, and told me that XXXX XXXX XXXX would offer me a settlement for a smaller portion of what they said I owed. As far as XXXX was concerned, I had already paid this account with XXXX XXXX XXXX off, but XXXX XXXX XXXX was not going to let this go. So I called XXXX XXXX XXXX about the settlement offer, and they said they will send me an Official Letter in the mail, which they did. Once I got the letter, I called them back and spoke to a lady named XXXX told me along with the first payment, attach a letter stating I accept the settlement offer, which I did.
The settlement offer was for the amount of {$720.00} made with three payments of {$240.00} each ( that I made by money order ), and once they received the last payment of {$240.00} that my account would be considered settled and closed. The letter stated that this was a limited time offer and that I had till XX/XX/XXXX to accept the offer. I accepted the offer XX/XX/XXXX with my first payment of {$240.00}. The XXXX XXXX XXXX employee XXXX, set up three pay dates for me to get the money orders in ; XX/XX/XXXX, XXXX and XXXX. I sent in all three payments on time as agreed upon by myself and XXXX XXXX XXXX. After the third and final payment I was waiting for a phone call or email from XXXX XXXX XXXX informing me of my account being settled and closed, but I did not hear anything from them. After a while I logged back into my XXXX XXXX XXXX account, and to my surprise, I did not see a XXXX balance and a closed account, but instead I saw a balance of {$880.00} being due and that was not accurate.
I called XXXX XXXX XXXX immediately and they said that they did not receive my final payment of {$240.00} by XX/XX/XXXX so the settlement offer was void. I told them that my final payment was not due till XX/XX/XXXX as per their employee XXXX had set it up that way, and nowhere on the settlement letter did it state the last payment was due XX/XX/XXXX. It said I had till XX/XX/XXXX to accept the settlement offer. So it appears to me, and their employee XXXX and others who have seen the settlement letter, that XXXX XXXX XXXX is mistaken with when the final payment was due, but according to XXXX, I made the payment on time, so therefore, I have already paid XXXX XXXX XXXX twice, Once with XXXX for a year at {$50.00} a payment, and Again, with the settlement offer of {$720.00} that I paid in full.
XXXX XXXX XXXX turned me over to a collection agency called Resurgent Capital Services, LP. I called this agency on XX/XX/XXXX and spoke with XXXX XXXX at ( XXXX ) XXXX XXXX and informed him that I was contesting this case due to all that I have described above, and he told me he would look into it and get back to me, and he never did. Time went by and I had not received any emails, phone calls or letters from this agency and I thought they had discovered through their investigation that I had indeed payed XXXX XXXX XXXX in full. It was in XXXX of this year ( XXXX ) when I checked my credit report that I saw Resurgent Capital Services, LP was now on my credit report as being in collections. I called them on XX/XX/XXXX and spoke with a Ms. XXXX about my account, and she looked my account up and saw the four page letter that I sent to XXXX XXXX on XX/XX/XXXX, but they did not act on it since I had to documents to prove my claim, so Ms. XXXX told me to make copies of any and all documents supporting my claims that I had indeed payed this off twice.
The Documents I sent were the following : ( 1 ). Photo copy of the settlement letter that XXXX XXXX XXXX sent me, both front and back. The back had the employee XXXX XXXX name and her instructing me to write and send the acceptance letter to XXXX XXXX XXXX. ( 2 ). Copies of the three money orders with the {$240.00} amounts clearly visible. ( 3 ) receipts showing I bought the money orders. ( 4 ). Photo copy of the handwritten acceptance letter that XXXX told me to send. ( 5 ). Copies of the Bank Statements showing the three payments of {$240.00} that I made to XXXX XXXX XXXX for the month of XX/XX/XXXX. ( 6 ). Copy of the Letter from XXXX XXXX XXXX acknowledging my request for my bank statements showing all three payments of {$240.00} from XXXX ( which they tried not sending me after I told them they were Legally supposed to sent me any bank statements I wanted since they locked me out of my account and prevented me from accessing my own bank statements. ) ( 7 ). Copy of the envelope that they sent my Bank Statements in after saying they did not have my address, even tough they did or how would I have received these bank statements by mail. ( 8 ). And a copy of the letter from Attorneys from XXXX XXXX XXXX with Mr. XXXX XXXX and the date I talked to him and his phone number. This was the original collection agency that XXXX XXXX XXXX turned me over too and then they turned the case over to Resurgent Capital Services, LP.
So I sent in all these documents and received a letter from Resurgent Capital Services, LP informing me that they were investigating my documents and claim. And a few moths ago, I received another letter from Resurgent Capital Services, LP stating that I have insufficient evidence or proof to fight my claim that I have paid XXXX XXXXXXXX XXXX twice. I do not see how that is possible. The settlement offer letter I received from XXXX XXXX XXXX and the copies of the three money orders themselves is plenty of evidence and proof that I have paid them in full. So I do not owe them {$880.00}, and I need help clearing this mess up. It has been going on for over four years now. Please help me!
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| 12/13/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This complaint is based on violations of the FCRA, the FDCPA and the Massachusetts Consumer Protection Act M.G.L. Chapter 93A sec. 2 ( hereinafter the MCA ) by XXXX XXXX ( XXXX ).
___ XXXX XX/XX/XXXX, I reviewed my credit reports and saw a collection account reported by XXXX claiming they purchased a debt from XXXX XXXX XXXX.
___ On XX/XX/XXXX, I mailed to XXXX a demand letter pursuant to Chapter 93A of the Mass. Consumer Protection Act. My demand letter advised XXXX that they violated the MCA because they are not licensed to collect debts in my state, yet they are doing so by placing a debt on my credit report. XXXX may attempt to rely on a recent decision by the Mass Supreme Court in the following case : XXXX XXXX XXXX XXXX, where the court ruled that XXXX is simply a passive debt buyer because it only hires licensed debt collectors on its behalf, and therefore does not engage in collection activity. However, XXXX has not followed this role in my case. For example, several courts have ruled that reporting a debt to a credit bureau constitutes an attempt to collect a debt. In my demand letter, I cited three cases and one opinion letter from the FTC to support this. The most relevant case on point is a decision that was made in Massachusetts just months prior to the XXXX case, where the court ruled as follows : XXXX is at least the nominal reporter of XXXX debt to three national credit reporting agencies. Accordingly, XXXX is, in our view, required to submit to the licensure requirements and corresponding oversight and supervision mandated under G.L. c.93, 24B and 209 Code Mass. Regs., and subsequent sections. XXXX XXXX, XXXX v. XXXX, XXXX. XXXX. I have attached a copy of my demand letter to this complaint which contains multiple citations from multiple courts, including Massachusetts in support of this conclusion.
___ In my demand letter, I reasonably described XXXX unfair or deceptive acts or practices as described above, and the injuries suffered.
___ XXXX did not make a reasonable written tender of settlement within 30 days of receiving my demand letter as required by M.G.L. c.93A.
___ XXXX misconduct as described above was willful and knowing.
___ My letter dated XX/XX/XXXX also included a request for validation of debt. I requested all of the required materials under Mass. law 940 CMR 7.08 ( 2 ). These materials include ( a ) all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected, and ( b ) a complete transaction history which reflects the date and amount of payments, balances, and charges concerning the debt. My letter also included the very same form letter requesting validation of debt as provided on the website of the CFPB.
___ At no time did XXXX validate the debt as required by the MCA or the FDCPA, yet theyve continued collection activity thru use of the credit reporting system.
___ On XX/XX/XXXX, I disputed the account thru the credit reporting agencies. My dispute included that ( a ) I had no knowledge of the account, ( b ) that [ XXXX ] is not licensed to collect debts in my state, and ( c ) that XXXX failed to validate the debt ''.
___ Between the dates of XX/XX/XXXX and XXXX of XXXX, I received the results of the investigations from the credit reporting agencies, where XXXX had falsely verified the account as accurate. They did this without providing the required materials under the MCA to validate the debt, and with no authority to report a debt because by doing so, theyve engaged in collection activity without a license as a debt collector. In a recent case against another debt buyer who received a dispute thru the credit bureaus where the consumer challenged ownership of the debt, the court ruled as follows : [ a ] reasonable jury could find that the documentation reviewed was insufficient to prove that the [ two accounts ] belonged to [ plaintiff ] and that [ the buyer ] therefore had a duty to report the account as can not be verified. A jury could also find that because [ the buyer ] retained the right to seek account-level documentation through its agreements with [ the creditors ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX ) ___ XXXX appears to rely on the XXXX decision to protect itself from liability from not only myself, but likely other Massachusetts residents by knowingly reporting debts to credit reporting agencies where the court in the XXXX case was NOT aware that XXXX reports to the credit bureaus. Whereas in the case of XXXX XXXX XXXX, that particular debt buyer was required to be licensed because the court KNEW that it reported debts to the credit bureaus, and in which courts in nearly all other jurisdictions ( including the FTC ) agree that reporting a debt to a credit bureau does in fact constitute a collection activity.
___Based on the aforementioned facts ( and supported by the attached Exhibit ), XXXX conduct includes the following : ___ ( a ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies.
___ ( b ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( B ) in that they failed to review all relevant information provided in my dispute to the credit bureaus ( including the fact that XXXX has no authority to report a debt to any credit bureau without a license to do so ).
___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate information on my credit reports.
___ ( d ) Violation of the FDCPA 15 USC 1692g in that they failed to validate the debt and were and are continuing collection activity.
___ ( e ) Violation of the MDCPA 940 CMR 7.08 ( 2 ) and MGL c.93A sec . 2 for continuing collection activity while failing to provide all of the required materials that would validate the debt under Mass. law.
___ ( f ) Violation of 940 C.M.R 7.07 ( 8 ) and M.G.L. c.93A sec . 2 in that it engaged in false, deceptive, or misleading representation, communication, or means in connection with the collection of a debt.
___ ( g ) Violation of the FDCPA 15 USC 1692 ( e ) in that they have taken action that can not legally be taken.
___ ( h ) Violation of the FDCPA 15 USC 1692e ( 10 ) in that they employed false or deceptive means to collect a debt.
___ ( i ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.
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| 03/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Dear, Resurgent Receivables LLC Or To whom it may concern, Youre in violation of various areas of my consumers rights.
In regards of your response of my complaint to Consumer Financial Protection Bureau ( CFPB ) Complaint ID XXXX You, ( Resurgent Receivables LLC ) admitted of attempting to collect debt by sending your inquiry ( statements ) to my place of dwelling/employment. This is a violation of my consumer rights, understand, at any time you, ( Resurgent Receivables LLC ) send such information/documentation is very inconvenient for me, if you fail to understand this serious matter, please pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection you are clearly in violation. This is proof and validation that every time you called me or attempted to contact me/sending mail or contacting me in any shape or form or fashion attempting to collect debt while Im at my workplace/place of dwelling/employment youre in clear violation. This is verification and validation youre in violation because you mentioned in your response Please also note that the bill statements on file show the same address XXXX XXXX included in their inquiry. So you have clear understanding you contacted me at a very inconvenient time and violated my rights. Meaning you admitted to sending me mail contacting me in between inconvenient times at my place of dwelling/work ( I am self employed. ) So with this serious matter being addressed, understand youre in violation Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection just to give you more clarity read section ( 1 ) & ( 3 ) just in case you missed this serious Federal/State Law you have violated.
( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
As I continue to investigate this serious matter, there are various more violations of my consumer rights you have violated. You clearly stated Resurgent does not condone harassment or unprofessional communication with customers I find this statement to be a lie, and in fact I can prove it by law, first please understand congress never defined what a threat is, violence, or obscene or profane language is or harassment, congress leaves that up to me ( the consumer to judge. ) With this serious matter being addressed, please understand every time you ( Resurgent Receivables LLC ) called me saying I owed a debt that is obscene and profane language to me, Every time you sent me a letter ( to the address you admitted ) to sending me statements/documentation saying I owe a debt, this is obscene and profane language to me. Every time you mentioned if I dont pay by this date, youre going to furnish my consumer reports, that is a THREAT to me. You confessed and mentioned We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. Please also note that the bill statements on file show the same address XXXX XXXX included in their inquiry. It is clear of your response that youve threatened me. I am demanding Justice for this serious matter. By law you should be imprisoned for using obscene and profane language threatening, harassing me an consumer pursuant to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Every time you called me is abuse and harassment, also you ruined my reputation, my credit is my reputation. You mentioned We may furnish information concerning your Account or credit file to consumer reporting agencies this is abuse, harassment, obscene and profane language and threats to me, and causing me to not to sleep at night by your threats and harassment. Please understand the damage what youre doing to me, an consumer.
Please understand Resurgent Receivables LLC, you are extorting me, you have violated many of my consumer rights. This extortion has been going on as you mentioned on your response having acquired it on XX/XX/XXXX, XXXX so it is clear and validation of how long youve been extorting me and you confessed that when you mentioned the month and year. Pursuant to 18 U.S. Code 894- Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. You threatened me and ruined my reputation/credit. I am demanding you to delete your false and misleading information off my consumer credit reports and demands you to never harass/threat/abuse/or use obscene and profane language to me again by reporting to my consumer credit reports because that is clearly what you are doing to me. This is your 2nd warning. Fail to met my demands, as an consumer, I refuse to go back and forth with any person and or entity who fails to understand their unfair business practices and how their breaking the law. FDCP, FCRA etc. If you fail to understand my demands, I will settle this serious matter in court without further ado.
And I will be seeking a lawyer on the behalf of all the violations you violated my rights. I am aware there are more violations as I investigate this serious inquiry. Due to all your threats, its difficult for me to focus.
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| 05/03/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX , XXXX To whom it may concern : I would like to file a complaint on XXXX Collection Companies, LVNV Funding LLC, and also, RESURGENT CAPITAL SERVICES. These XXXX collection Companies have placed XXXX collection accounts on my credit files that I do not owe. In the past, I had, had XXXX credit card accounts with XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX fraudulently charged off and closed my credit card accounts in XXXX of XXXX . These accounts should not have been charged off because I made my payments. I paid a little over the required amount of requested payments that the XXXX XXXX representatives told me by telephone that I owed for XXXX XXXX . My payments for all three accounts was paid online at the XXXX XXXX website, on XXXX XXXX , when the payment due date was for XXXX XXXX XXXX . XXXX XXXX accepted my three payments on XXXX XXXX , XXXX , reassuring me that everything was okay with my accounts, and all XXXX accounts were open, and then they lied and turned around and charged off my XXXX accounts in XXXX of XXXX . In XXXX of XXXX I could not access my XXXX XXXX online accounts, this is the way I had always made my payments, I could not access the online accounts, because they no longer existed. For years I fought XXXX XXXX because they closed my accounts and they should not have, they closed my accounts that I had made payments on, and accounts that I was not even at my credit limits. And worse of all they closed the card that I had, had with XXXX XXXX , a card that I had, had prior to XXXX XXXX taking over XXXX XXXX , and this card I was not at, or over my credit limit. They took my money, and didnt even give me the credit for it, they just charged off my accounts the month after they took my XXXX XXXX payments. I am XXXX , and I had contacted XXXX XXXX in XXXX of XXXX letting them know that I had been very ill, and they claim that they were assisting me by putting my XXXX credit card accounts into their Specialty Assistance Program, in which I would not be due any payments till XXXX of XXXX , and the only charges that would be going onto my accounts was the small interest amount that would be tacked onto the account each month, until my payments started back up again in XXXX of XXXX . It turned out that they lied to me, they were not working with me at all, what they did was to add all sorts of charges and fees to my accounts taking them up to higher balances, they did not put my accounts into that Specialty Assistance program, as they had claimed, but when I would call them regarding statements that I had been receiving they claimed that everything was good with my accounts, I was in that program, and I didnt have anything due until XXXX of XXXX . The card with the lowest credit limit, I had, had that credit card for years, this was a credit card that I had, had from XXXX XXXX , I had, had the card for years, prior to XXXX XXXX taking over XXXX XXXX , and then they ruined everything with my card, they closed it, even though my account was below limit, and I was up to date on my payments. I had complained to the BBB ; the credit bureaus and the Federal Trade Commission, for the last 2 plus years, because XXXX XXXX was not reporting the fact that I had made three payments to them on XXXX XXXX of XXXX , and they were trying to hide the fact that they fraudulently closed my XXXX credit card accounts after taking the money that I had paid to them on XXXX XXXX XXXX . Well XXXX XXXX is now trying to absolve themselves of the fraud that they had committed with my XXXX credit card accounts, they have completely removed my XXXX XXXX XXXX accounts from my credit files. And what I have now found is that this shady LVNV Funding LLC and RESURGENT CAPITAL SERVICES, has placed my XXXX fraudulently closed XXXX XXXX accounts in collections, thereby ruining my credit, with accounts that XXXX XXXX should not have closed in the first place, because I had paid on them, and I wasnt over limit, and all of the bogus charges that XXXX XXXX has place on the accounts, is what has the balances showing what they do, I dont owe that money. I have not had any business with XXXX XXXX since XXXX of XXXX , when they fraudulently charged off my XXXX credit card accounts. And these XXXX lying companies, LVNV Funding LLC/ RESURGENT CAPITAL SERVICES, has placed on my credit files that I have XXXX collection accounts with them for XXXX / XXXX / XXXX for the fraudulent XXXX XXXX charge off accounts, that XXXX XXXX fraudulently Charged off in XXXX of XXXX . Neither of these companies has ever contacted me, they just illegally placed this fraudulent information on my credit files regarding these fraudulently charged off XXXX XXXX charge of accounts. I want these companies to remove all of this derogatory fraudulent collection information that they have placed on my credit files. And I want them to make sure that the credit bureaus puts back the same number of points onto my credit score that they took off for this fraudulent information. And I want written proof on LVNV Funding LLC and RESURGENT CAPITAL SERVICES letterhead that this has been done. And I want all of the fraudulent information that they have in their files regarding these fraudulent XXXX XXXX Accounts removed, and I want written proof that that has been done. And they better not ever in life come at me with this fraud again, I am going to also consult with an attorney, because they know that they are lying when they claim that I have a collection with their companies as of XXXX / XXXX / XXXX due to XXXX XXXX , these collection companies are trying to re-age these fraudulent XXXX XXXX accounts on my credit files, when they fully know that XXXX XXXX fraudulently charged off my accounts in XXXX of XXXX over 2 years ago. They dont have a right to place whatever lying collection date that they want to throw out there. And this was the last straw with XXXX XXXX , I will surely consult with the attorney regarding what they have done. I am going to see if there is also anything that the Attorney Generals office can do regarding all XXXX of these companies. I am writing to the Consumer Financial Protection Bureau, because if there is anything you can do regarding these companies business practices, I would surely also appreciate your assistance.
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| 02/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Spoke to XXXX and was informed that this alleged debt is in her system.
XXXX opened XX/XX/XXXX, XXXX {$98000.00} Credit XXXX XXXX XX/XX/XXXX XXXX XXXX {$910.00} XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX, XXXX Credit XXXX XXXX XX/XX/XXXX {$920.00} This is affidavit I sent to Resurgent asking these questions and presenting laws too regarding this claim. Claiming there is an alleged debt, fraud and misrepresentation of facts, damage to my reputation, and falsely reporting inaccurate information to the bureaus Affidavit of Truth Rights of Subrogation 1. Comes Now, XXXX XXXX, non-citizen, National of the United States, Investor of the United States, Certificated Security Holder of the principal debtor/Franchise/Cestui que Trust ( XXXX XXXX XXXX ) I have dominion over all rights/interest of the principal debtor, all proceeds, titles, deeds, bonds, securities are due unto me as I have the right of subrogation as the holder in due course.
2. Can you show proof of your authority/possession of the Certificated Security of the principal debtor in order to legislate over any property of the principal debtor? I am here for all securities and chattel papers of this account/case, can you produce the original bill of presentment so that I may do equity and transfer all securities and chattel papers to you to settle all obligations of this mutual account?
3. This matter has created a constructive trust by you taking private property and using it in the public to settle the public interest without just compensation. Whereas I now accept all securities in equity as redemption. I accept all charges on the account and I am releasing/assigning all claims and transferring all chattel papers and securities of the principal and appointing ( XXXX ) as fiduciary to settle charges of this mutual account immediately.
4. If you choose not to do equity then there is no sufficient claim, and there is no injured party therefore these claims are null and void. This case is either satisfied or nullified there are no other eventualities.
5. WHEREAS As all government entities and alleged private corporations must be a creature of the American Constitution, this is a formal Request and Command for you to produce for the record, the Legislative Act that created your Authority to 1 ) enforce an instrument you are not in possession of, 2 ) or to enforce an instrument that was destroyed by way of securitization Take notice that a de facto basis for powers of authority is not sufficient in this matter. Failure to provide proof of your de jure authority constitutes your actions as ultra vires and by operation of law your Bond/Charter is dissolved, a trust arises, and I become beneficiary of said trust. As beneficiary to your dissolution, I special deposit for credit on account and order all debts be paid from your capital stock.
6. Claiming there is an alleged debt when the Bill/note was destroyed by way of securitization therefore fully discharging all debt between parties according to U.C.C 3-604 ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.
This is fraud and misrepresentation of the material facts, the character and legal amount of debt. This is an ultra vires act, usurping powers that are not within your charter/Bond nor authorized by law.
Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes fraud, and entities party deceived to avoid contract or recover damages. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX F XXXX XXXX.
XXXX XXXX XXXX said : The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked to often. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Conclusion : Do you have the original bill of particular/presentment ( negotiable instrument ) in your possession to enforce the instrument to seek payments of a debt? Can you prove that you did not discharge all debts by destroying the original bill of particular/presentment by way of securitization? Do you have the certificated security instrument issued by the United States to show proof of possession over the principal debtor for subrogation rights over all proceeds of the principal debtor? Can you show proof the Plaintiff of the case filed as evidence proof of the Original Note to enforce the instrument?
8. If you can not provide proof of possession of the original bill of presentment to enforce the instrument to seek payments of debt according to UCC 3-301 or provide proof the original bill of presentment was not destroyed by way of securitization I demand for these cases to be discharged immediately and all obligations are fully satisfied. I pray to be discharged with reasonable costs of my labor and service in this behalf sustained.
XXXX. Fees for Services : See Fee Schedule Attached 1. Summons, Court Notices without Contract {$10000.00} 2. Responsive Communication {$250.00} a page= 4 pages {$1000.00} 3. Review and Research for responsive communications $ XXXX XXXX {$11000.00} 10. You now have 9 days to fully answer and or rebut all claims that has been made within this affidavit and show proof of your possession of the original bill and or you did not destroy the bill by way of securitization. If you choose not to answer I will assume you have discharged all debts and fully settled this mutual account. Be fully aware your silence is accepted as consent and a Quo warranto will be filed for you ultra vires acts against the Public Interest.
I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. 28 USC 1746 Non-Citizen National of the United States, Investor, Master Merchant, XXXX XXXX XXXX This is XXXX XXXX speaking in my behalf.
|
| 06/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I spoke with XXXX XXXX who called on XX/XX/XXXX, and was told this debt was pending attorney review but wasn't told I still had time to respond. Please request to review the recorded calls from them. I was offered a settlement in payments and gave my debit card #, because right now more legal disputes is not what I am looking for. I called them on XXXX, because I mistakenly confused a 1099 I received ( and submitted with my tax returns ) with a similar amount of debt discharged, and an older credit bill that I mistakenly wrote 1099 on ( when I was verifying this information by calling the creditors I settled debts with ahead of preparing to file my XXXX tax returns ) and said I believed I paid the debt. I called back ( and received a call and voicemail from a credit repair agency called XXXX XXXX, not leaving their company name but only the representative name, who I hadn't called per my phone records but they confirmed the date and time I called when I actually dialed another phone # looking for the right agency relevant to my debts. ) I wrote back to the email address I was provided to send in the proof of payment/1099 after going through my files, finding the original debt showing I had until XX/XX/XXXX to respond with no mention of attorney review. Below is the copied/pasted email I sent on XX/XX/XXXX after realizing I was mistaken and they were too so I wanted to get clarification ( which I'll also send as an attachment along with a copy of the debt itself ). I never received a call or email back from anyone at XXXX XXXX, and emailed back on XX/XX/XXXX asking for receipt of this email. Today I received an email that there was an update to my XXXX credit report, and see that this debt was added to collections on XX/XX/XXXX by LVNV Funding LLC when the letter I asked to be acknowledged says they must stop collections if I write to them. I made a mistake and caused some confusion to myself and them, but I did my due diligence to clarify it and am not trying to get out of paying the debt which is rightfully mine. I settled several debts last year, and have every intention to pay what's rightfully owed as I can, key word.. rightfully. However I refuse to spend unnecessary time and energy on any creditor 's abuse tactics especially when this is not the only problematic debt I have with regards to the means in which there is an attempt to be collected and when I have to be careful about how I allocate the limited funds certain parties are attacking me for ( which I will be filing complaints on as well ). I'm not 100 % sure what their reasoning is for not replying to me, or calling me back but it also seems that debtors ( and people and companies in general ) dislike when one debt gets settled and theirs is left behind, or someone asks for their rights but seems to have the shorter end of the stick.. leading to retaliatory behavior, which is nothing new for myself or others in this subject unfortunately.
Good evening XXXX XXXX, To summarize.. at XXXXXXXX XXXX I called the XXXX phone number given to me by XXXX XXXX who called me from the XXXX # on XX/XX/XXXX at XXXXXXXX XXXX to discuss this debt that had been given to him and was now pending attorney review, so he wanted to know my intentions.
During today 's call I spoke with an agent named XXXX, who gave me this email address as I thought I realized while going through some papers and notes earlier that I already paid this debt ( through a different creditor ) and received a 1099, after making a payment arrangement. I also realize I was wrong in my confusion and haven't paid this debt yet, but received a 1099 for a discharge of {$780.00} from XXXX XXXX XXXX XXXX which has nothing to do with XXXX XXXX and mistakenly wrote a note of receiving a 1099 on the wrong debt document. I have piles of documents to go through and verify so this is my fault and I truly apologize for any inconvenience and confusion. I have the original debt document mailed to me by your agency, for your confirmation so please see attached. XXXX was very kind and understanding with my circumstances, and I don't want to blame your company for handling anything wrong especially when I understand debts are passed around and creditors/agents are just trying to do their job, but I just want to verify some things if you could please answer the below.
1. In that I had until the XXXX to write to you guys, and the original debt says nothing about attorney review being the next step, why was that even mentioned on the call on XX/XX/XXXX?
2. XXXX confirmed my payment installment was cancelled, but please confirm this in writing. I have intentions of eventually clearing this, when I can, but I won't be pressured into making payments when I'm not in a legal situation and obligated to.
3. I spoke with XXXX XXXX, who made the arrangement, and was told by XXXX that you are the supervisor. XXXX XXXX ' name is on the payment arrangement, and on the letter mailed to me. I just want to understand why I was reached out to by XXXX on the XXXX if XXXX XXXX is my account manager.
4. As I mentioned during today 's call, the IRS may still be reviewing my returns ( and is holding onto some of my refunds ) due to reasons which I'm not sure I'm obligated to disclose by law. As mentioned on the call with XXXX on the XXXX, my car was towed to a shop and unfortunately I wasn't approved for a payment plan. It's still in the shop despite having hefty amounts of money put into it this past year alone to have it repaired ( let alone being repaired just 2 months ago ), and I have serious housing issues, medical issues, galore to consider so I have no choice but to be choosy in where my limited funds are going at the moment. When I can, I will pay this and IF I can, in its entirety regardless of whether through your agency or another. If I rightfully owe it, I will eventually pay it. Circumstances have prevented me from keeping up with payments as I used to whether my accounts were open or charged off, which my records can clearly show despite whatever discrepancies may or may not show due to the ways the information is collected/reported.
5. There are several phone # 's connecting to your company, which makes it confusing to keep track of how to get in touch with your creditor. Just an FYI.
You have this from me, in writing, so I would appreciate the answers in writing, please and thank you!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the these accounts.. This agency is in violation of 15 USC 1692g. As the original creditor only, I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced accounts will result in legal actions being taken against your company, for which I will also be seeking XXXX per violation for : Defamation of Character ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I recently received communication from you attempting to collect the following listed alleged debts. 1. LVNV FUNDING LLC Account numberXXXX. XXXX. Account XXXX 3.Account numberXXXX XXXX.Account numberXXXX Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe.
Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification.
Further more pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
LVNV FUNDING LLC have no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately.
Further More You XXXX XXXX XXXX XXXX XXXX XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that you are implementing your self.
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) This letter is CCed to the Bureau of Consumer Protection Finance as evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney ).
Note I am a very litigious consumer, and I will proceed with legal action for all my consumer rights violations under this subchapter plus all remedies and actual damages as a result of your failure pursuant 15 USC 1692K.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety.
Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants LVNV FUNDING LLC the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any Judgements been obtained by any creditor regarding this account?
Yes No Please provide me the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 calendar days for processing after I receive this information.
Thank You.
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have an account on my credit report from LVNV FUNDING LLC and it is being reported on XXXX. I do not recognize it nor do I have an agreement with them. This is improper and detrimentally hurting my lifestyle as well as receiving credit.Per 15 U.S. Code 1681,15 U.S. Code 6803,15 U.S. Code 6804, 15 U.S. Code 6805 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 6805 states that ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the XXXX XXXX XXXX XXXX ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the XXXX XXXX XXXX XXXX, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( XXXX ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX with respect to any federally insured credit union, and any subsidiaries of such an entity. ( XXXX ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. ( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. Most importantly I did not give this company written permission to publish this on my credit report. 15 U.S. Code 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 U.S. Code 1681s-2 ( a ), 15 U.S. Code 1681s-2 ( A ) 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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| 06/30/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that LVNV FUNDING LLC had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that LVNV FUNDING LLC open account was opened on XX/XX/2020 with a balance of {$650.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package.
They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of starting a business. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. LVNV FUNDING LLC Resurgent Correspondence XXXX XXXX XXXX XXXX XXXX, SC XXXX
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| 03/06/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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There is a company XXXX XXXX reporting a late payment on my credit, but there is no contact information for them, but a number I found was linked to Resurgent. The account is regarding XXXX XXXX/XXXX.
On this credit report, it shows date open was XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX, so I was out of the country until XX/XX/XXXX. I am a XXXX XXXX XXXX XXXX veteran and was using Voc Rehab benefits since XX/XX/XXXX, so I haven't needed a student loan since before XX/XX/XXXX.
I am not sure why XXXX XXXX/Resurgent is reporting on my credit for XXXX XXXX. There is no contact information for XXXX and this process is becoming frustrating. I think there was some sort of mix up along the way, considering this originated almost 10 years ago and XXXX XXXX broke off into different divisions and the debt was sold. This is all very unorganized and I feel like everyone is passing me off to another department.
It seems that the XXXX is showing XXXX XXXX is out of business, which makes sense considering I can't find any contact information for them. Also, if it is true that XXXX XXXX is out of business, how can they be reporting on my credit and who is responsible for updating the information?
I've contacted XXXX XXXX and they said they do not have anything listed with my SSN and since the loan originated before XX/XX/XXXX and was a federal loan, then XXXX would have the information. It seems in XX/XX/XXXX XXXX XXXX split into two different branches and XXXX took over the Federal side of things.
I called XXXX and was able to speak with them. The guy told me I can create an account, which I have created and that he shows that XXXX no longer has the loan and it was charged off. The origination date is XX/XX/XXXX and the amount was {$4700.00}. It does not state who the loan was sold to, but I've been paying on my student loans through XXXX XXXX XXXX. The origination date and amount ( with XXXX XXXX ) are the same as what is listed on the XXXX XXXX/XXXX website. The loan is in repayment and that I only owe ~ {$250.00} before the balance is paid off.
I created an account on Resurgent and found that it shows XXXX XXXX, but no account information and the bottom disclosure states that " because of the age of my debt, we will not sue you for it, and we will not report it to any credit reporting agency ''.
I called Resurgent and talked to a lady named XXXX. She said that I owe XXXX XXXX over {$10000.00} for a XXXX XXXX XXXX XXXX loan account number XXXX.
She said that Resurgent has been sending me communication and documents to XXXX XXXX XXXX in XXXX XXXXXXXX, CO. I haven't lived there since XX/XX/XXXX or so. She said that the account originated in XX/XX/XXXX and was charged off on XX/XX/XXXX. Again, not sure where this date is coming from. She said that I probably have multiple accounts when I asked her why XXXX XXXX would be reporting me current. I asked her what she would suggest because no loans listed on that site originated in XXXX. She said I could contact XXXX XXXX, but " good luck ''.
I opened an account on XXXX XXXX XXXX and only XXXX and XXXX XXXXXXXX XXXX are listed for FFEL Stafford Subsidized and FFEL Stafford Unsubsidized loans. XXXX shows as canceled and XXXX XXXX XXXX is showing as in Repayment and all the loan origination dates are in XXXX. Again, almost 10 years ago.
On XX/XX/XXXX after my home loan lender and myselft had a conference call with Resurgent. We talked with a lady named XXXX. She stated that Resurgent takes care of all XXXX debts and they purchased a XXXX XXXX debt in XXXX in the amount of {$9900.00}. I asked if Resurgent had the paperwork from when XXXX bought the debt and she said they did not have it, they only have the date. She also said that Resurgent is the one that updates the credit information on behalf of XXXX. I asked for the contact information for XXXX and she did not have any and only stated that Resurgent handles XXXX accounts ; all phone numbers and addresses for XXXX are actually Resurgent.
We discussed why I haven't been contacted and she provided a list of about 3 addresses, all of which I haven't lived at since before XXXX. There most recent letter ( in XXXX ) went to an address from XXXX. XXXX from Resurgent said that she would note my account as in dispute, but they wouldn't actually investigate without a written request to XXXX XXXX XXXX XXXX in XXXX, SC XXXX and that the dispute reference number should be XXXX for my account.
When asked who we could contact to get details on the loan, she said that it was XXXX XXXX and that was all they could see. I told her that I've already contacted XXXX XXXX and they do not have my account. Anything before XXXX goes to XXXX. The XXXX information is listed before, which shows the origination date and amount that matches the information I have been paying with XXXX XXXX and it shows I am current. XXXX XXXX/XXXX XXXX are reporting that my account is in good standing on my credit as well.
So, I'm still confused how a company can own a debt without having documentation that they have bought it and how can a company that doesn't exist and with no contact information be reporting on my credit with amounts that don't match up with the information from XXXX XXXX/XXXX/XXXX XXXX XXXX?
I think this was mix up or that XXXX/Resurgent is trying to collect on a debt bought by XXXX XXXX XXXX or someone is trying to re-age my account or something. This is very frustrating and confusing to a consumer. Information should be organized and easily accessible for consumers. XXXX XXXX/XXXX and XXXX XXXX XXXX are showing the information, giving me access, and providing me with support.
Why is none of this information consistent? I am very confused. I am in no way trying to get out of debt. It is quite the contrary, I've been paying all my bills and trying to get things cleared up on my credit. I have been a victim of identity theft, so I am not sure if this is related.
XXXX/Resurgent is the only company I am working with that is not being transparent with information, which makes me think they have something to hide. Again, it seems that XXXX is out of business, so Resurgent is the only connection I have to XXXX and getting this cleared up and they are giving me the run around.
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| 09/04/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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LVNV Funding, LLC has chosen to collect a debt such company purchased from XXXX 1. XXXX XXXX will not release the data that they say to have which prove that the debt is mine. Such data is fraudulent : my STOLEN Social Security number, a fraudulent address in XXXX and my cellular phone line -which was hacked and reported as such when I noticed there was a problem with it latter on in XXXX. By the way, I am not a phone number nor a voice over it, my phone number is not my identity. Where are the legal documents that identify me as a legitimate credit member?
This is the process I have been through : XX/XX/XXXX I receive letter from collection agency XXXX, XXXX XXXX XXXX XXXX. Letter states company attempts to collect a debt from original creditor XXXX XXXXXXXX XXXX and current creditor LVNV Funding, LLC.
I submitted complaints through the Consumer Financial Protection Bureau. The above mentioned agencies replied that debt was valid.
The debt consists of {$170000.00} owed to XXXX XXXX, on a card opened as a result of identty theft. My Social Security information was used, and a fraudulent address in XXXX was used to open the account. The card was applied for in XXXX - XX/XX/XXXX.
My XXXX XXXX phone number was used as well. I noticed that my missed call log was displaying " call answered on another device '' message on XX/XX/XXXX. I contacted XXXX XXXX in XX/XX/XXXX and placed a Fraud Block back then. The information will be accessible to lawyers by contacting XXXX XXXX Legal Department.
On XX/XX/XXXX I placed a police report, contacted the Credit Bureaus and personally visited XXXX, XXXX XXXX XXXX. I submitted proof of address, tax returns, the 3 credit bureaus reports, and invoices of some of my professional services as a freelance XXXX in XXXX during some of the days when the fraudulent transactions were committed. I also provided evidence of being out of the state during one of the dates that one of transactions took place, with hotel information and an XXXX XXXX electronic ticket. I signed a notarized affidavit of fraud and submitted it to XXXX, XXXX XXXX XXXX as well.
XXXX told me that the process would take about a month, that I would be notified, as they had to work with LVNV Funding, their client, to resolve the issue.
On XX/XX/XXXX, I received a notification from XXXX that LVNV Funding had reported the collection to my otherwise- and always- pristine credit report. My credit rating and report was damaged due to this action. I simply do not borrow money and pay my credit cards monthly in full, as it can be evidenced in my reports. Never a late payment.
I required from XXXX XXXX, by US Postal Service certified mail, that they submit to me all the evidence related to the fraudulent account such as application, payment slips, store receipts, signatures, etc. I have the right to receive all this documentation.
When I spoke to their representative, he stated that their information was correct as public records place me in XXXX and that my cellular phone number line was used. I received a letter stating that their investigation is correct and that they are not changing anything. I need to explain that the fraudulent XXXX XXXX card never appeared on my credit reports, so I had no way to know that this was going on.
Upon examination I found that my address had been changed to the fraudulent address. At this moment I believe this fraud could come from XXXX XXXX, itself. XXXX XXXX was either negligent in their processing of applications, to benefit from the fraud ; or the fraud might have been an inside job. XXXX XXXX should use non-negligent and lawful practices and review the investigation with the knowledge that I am providing. I am the victim here, I am being treated like a criminal. All this process has caused countless hours of effort reviewing and submitting documentation, as well as a wide range of inconveniences and related health problems due to stress.
How could XXXX XXXX award someone a credit card with a {$10000.00} credit limit, when my credit report does not show my employment information? Let 's talk about not being negligent in their process of approving credit cards with a credible investigation of the customers. Did they realized that as a freelance XXXX on XXXX my income was extremely low for the credit limit they approved on my behalf?
I have also notified the XXXX XXXX XXXX that identity theft that I am a victim of Identity Theft enabled by the use of a criminal postal address. Upon studying my credit reports I found several unauthorized inquiries mostly from XXXX XXXX to my credit reports.
My stolen identity was also used to open another credit card. I found that an additional XXXX XXXX credit card had been opened on my behalf. Fortunately, no charges had been made. As I called XXXX XXXX to let them know that this card was open in a fraudulent way, first thing I hear from the customer service representative is " Ms. XXXX we appologize as we know we have had trouble delivering your card '' ( Again, the XXXX address ).
It would be easier to pay the money owed as it is sitting on my savings account, however, I refuse to be the victim of these criminal actions against me. I am asking to XXXX XXXX to consider the fraudulent nature of their business before hiring an attorney. I have nothing to lose in providing evidence to support my claims to a judge.
XXXX, XXXX XXXX XXXX has closed my file, as I have just found out ( XX/XX/XXXX ). I ask LVNV Funding, LLC to consider that a fraudulent account has been purchased ; after being approved by XXXX XXXX in a negligent way. My address was changed by the CREDITORS, not by me, either by negligence on their application process or by upfront choosing to do it to profit from a theft victim. The information used to validate the debt is fraudulent. Please consider revising the documentation provided. In my tax returns you can see that my address is not the one used to open the card. I ask LVNV Funding, LLC to investigate further, do the right thing. It is a matter of money for the company, but it is an assault on me.
XXXX can choose to side with the perpetrators, and/or with the negligence of XXXX XXXX.
I am happy to provide any documentation needed to prove my case.
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| 07/13/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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LVNV FUNDING LLLC is attempting to collect an alleged debt that is uncollectable for the following reasons : 1. Creditor is in breach of any alleged agreement that it claims I am bound by.
2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.
3. Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.
4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization.
5. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect.
Law in support of the above : THE TRANSACTION In a credit card securitization transaction only the receivables are sold, not the accounts that generate the receivables. The financial institution retains legal ownership of the credit card accounts and can continue to change the terms on the accounts. Accounts corresponding to securitized loans are typically referred to as the designated accounts ( or sometimes trust accounts ). The initial outstanding balances on the designated accounts are sold to the trust as are the rights to any new charges on the designated accounts. Subsequently, as cardholder purchase activity generates more receivables on the designated accounts, these new receivables are purchased by the trust from the originating institution/seller/transferor. The trust uses the monthly principal payments received from the cardholders to acquire these new charges or receivables. When the securitization is initially set up, the originating institution/seller adds sufficient receivables to support the principal balance of the certificates plus an additional amount ( seller 's interest ) that serves to absorb fluctuations in the outstanding balance of the receivables. The originating institution/seller will make subsequent additions to the trust in order to keep the seller 's interest at the required level. ( Emphasis added ) See : XXXX XXXX XXXX XXXX XXXXXXXX. An originator of a typical securitization ( the transferor ) transfers a portfolio of financial assets to an SPE, commonly a trust. In " pass-through '' and " pay-through '' securitizations, receivables are transferred to the SPE at the inception of the securitization, and no further transfers are made ; all cash collections are paid to the holders of beneficial interests in the SPE. In " revolving-period '' securitizations, receivables are transferred at the inception and also periodically ( daily or monthly ) thereafter for a defined period ( commonly three to eight years ), referred to as the revolving period. During the revolving period, the SPE uses most of the cash collections to purchase additional receivables from the transferor on prearranged terms.
75. Beneficial interests in the SPE are sold to investors and the proceeds are used to pay the transferor for the assets transferred. Those beneficial interests may comprise either a single class having equity characteristics or multiple classes of interests, some having debt characteristics and others having equity characteristics. The cash collected from the portfolio is distributed to the investors and others as specified by the legal documents that established the XXXX.
See XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XX/XX/2000 ( XXXX XXXX ) Please provide the following : 1. Agreement with your client that grants you the agent authority to collect on this alleged debt.
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay XXXX XXXX XXXX, and or an agreement showing I agree to pay a creditor and or their agent.
3. A copy of your oath of office confirming you are not violating 15 USC 1692 ( e ) 3 and establishing your legal standing to collect anything from me.
4. Any insurance claims been made by any creditor regarding this account.
5. Any judgments obtained by any creditor regarding this account that gives you the right to collect anything from me.
6. Name and address of alleged original creditor.
7. Name on file of alleged debtor.
8. Alleged account number.
9. Address on file for alleged debtor.
10. Amount of alleged debt and what it is for.
11. Date this alleged debt became payable.
12. If the account is charged off, the date of original charge off or delinquency.
13. Verification that this debt was assigned or sold to collector.
14. If this debt has been assigned to collector, please provide the commission amount if collection efforts are successful.
15. If this debt has been sold to collector, please provide the price for which it was sold, and proof of sale. Include all trailing documents identifying the SELLER you purchased it from and ALL PREVIOUS OWNERS.
16. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website above.
17. Agreement between your agency and I of any contractual or debtor/creditor arrangement.
18. Complete accounting of alleged debt showing how you specifically calculated the entire amount of what you say I owe.
19. Copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures.
LVNV FUNDING LLLC offices has continued fail to respond to this validation request all references to this account must be deleted and completely removed from my credit files with the credit reporting agencies, and a copy of such deletion request shall be sent to me immediately. You are to cease all collection efforts as delineated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA until proper validation is provided.
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| 11/21/2023 |
Yes |
- Debt collection
- Credit card debt
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- Electronic communications
- Frequent or repeated messages
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Web |
Servicemember |
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Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/ given name XXXX XXXX XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XXXX XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices.
Fact, Affiant is aware and has proof that Resurgent Capital Services, is in violation of 15 usc 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Resurgent Capital Services did not receive any prior consent from me.
Fact, Affiant is aware and has proof Resurgent Capital Services, is in violation of 15 usc 1692g. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; Fact, Affiant is aware and has proof Resurgent Capital Services, is in violation of 15 usc 1692b. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Fact, Affiant is aware and has proof Resurgent Capital Services, is in violation of 15 usc 1692g. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.
Fact, Affiant is aware and has proof Resurgent Capital Services, is in violation of 15 usc 1692d. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. A negative account hurts my financial reputation.
Fact, Affiant is aware and has proof Resurgent Capital Services, is in violation of 15 usc 1692 ( d ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt.
Fact, Affiant is aware and has proof XXXX XXXX XXXX is in violation of 15 usc 1692 ( i ) ( a ) ( 2 ) ( a ). Any debt collector who brings any legal action on a debt against any consumer shall in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity in which such consumer signed the contract sued upon.
Fact, Affiant is aware and has proof Resurgent Capital Services, is in violation of 15 usc 1692 ( j ) ( a ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Fact, Affiant is aware and has proof Resurgent Capital Services, is in violation of 15 usc 1692k. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.
( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector.
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| 09/28/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX SSN ; XXXX DOB : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Debt Collector : LVNV FUNDING LLC Open Balance : {$690.00} To : XXXX XXXX XXXX, According to Section 609, I am disputing this debt in accordance to the Fair Credit Reporting Act. Please remove the item mentioned above, as I explain in detail according to the law why It must be removed.
I am sending this letter to you in response to a collection that was in my ( credit bureau report. ) Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. Please remember to include a notarized signature and a copy of my driver license matching me.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your office to my home or to my place of employment. If your office attempts telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct my records, any information obtained shall be used for that purpose.
Best Regards XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MA XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$160.00} Original Creditor : XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$390.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : Account information disputed by consumer ( FCRA ) ; AFFCTD BY XXXX/XXXX XXXX ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX LVNV FUNDING LLC # XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX Placed for XXXX : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXX XXXX Amount : {$690.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In CollectionPLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : XXXX XXXXDate Updated:XXXXOriginal Amount : {$280.00} Original Creditor : XXXX Pay Status : >In CollectionPLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX i disputed these 4 items in collections on my credit report. i spoke with XXXX 4 times trying to clear up this matter. i am very upset and frustrated to find out from talking to the rep that the certified mail that i made copies of and sent to XXXX was missing a specific document that i know i mailed to them. XXXX decided to verification instead of validation. its has been well over 30 days without validation since they recieved my disputes. they are reporting false info. on my report and i would like it removed
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| 12/21/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear Sir or Madam, XXXX. LVNVFUNDG Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with LVNVFUNDG and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. LVNVFUNDG Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX.
I immediately disputed this information with LVNVFUNDG and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
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| 12/03/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. LVNV FUNDING & {$11000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXXBlock. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states .... According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy .... ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. XXXX XXXX Account number- XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of ... 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dispute Template for CFPB : RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
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| 11/30/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and XXXX XXXX XXXX XXXX, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( XXXX ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( XXXX ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX LAW : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX XXXX XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. RC/RESURGENT RECEIVABL & {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act XXXX, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXXBlock. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX Notice to Furnishers XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC & BAL. {$600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
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| 12/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC XXXX XXXX {$860.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC & BAL. {$690.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXXXXXX, Iowa XXXX
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| 12/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING balXXXX {$740.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
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| 12/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC & BAL. {$550.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 12/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC & BAL. {$640.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
|
| 12/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XX/XX/XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC & BALANCE {$2300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX, Iowa XXXX
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC bal. {$1400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXXXXXX
|
| 12/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. LVNV FUNDING bal. {$670.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .LVNV FUNDING LLC bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC bal. {$920.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC & {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 11/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC & {$1000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. LVNV FUNDING LLC & {$730.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 09/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. LVNV FUNDING LLC bal. {$590.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX
|
| 10/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. LVNV FUNDING LLC bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. LVNV FUNDING LLC bal. {$2300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .LVNV FUNDING LLC bal. {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING & {$2700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. LVNV FUNDING LLC bal. {$530.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 09/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. LVNV FUNDING LLC bal. {$580.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 07/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC bal. {$780.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNVFUNDG bal. {$130.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 10/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. LVNV FUNDING LLC bal. {$2200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 08/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LVNV FUNDING LLC bal. {$9200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. LVNV FUNDING LLC bal. {$1600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 09/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. LVNV FUNDING LLC bal. {$590.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
NOTICE : of Identity Theft and FRAUD XXXX FAILED TO PROVIDE CONSUMER WITH VERIFIABLE PROOF OR DOCUMENTARY EVIDENCE PURSUANT TO 15 USC 44, AND CONTINUES TO REPORT FRAUDULENT INACCURATE AND UNVERIFIABLE ACCOUNTS WHICH IS A VIOLATION PURSUANT TO 15 USC 1681g. FAIR CREDIT REPORTING ACT ( FCRA ).
Notice, it is a fact, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), or 15 U.S. Code 1681g ( a ) ( 1 ) ( a ) - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; You are required by federal law to verify - through the physical verification of the original signed consumer credit contract ANY accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which would be FRAUD and liable to criminal liability for willful and knowing violations Pursuant to 15 USC 1611.
Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter, or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Under penalty of perjury, I am requesting, and I am demanding to see Verifiable Proof or Documentary Evidence pursuant to 15 USC 44. Documentary Evidence includes ALL documents, papers, correspondence, books of account, and financial and corporate records.
Under penalty of perjury, I am demanding verifiable proof of original Consumer Credit Contract with my Original Signature on it.
Pursuant to 15 USC 1681b ( 2 ) - Permissible purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Notice, it is a fact, I, Affiant DID NOT give XXXX ANY written consent to report ANYTHING on my consumer report or on my consumer file. No written consent is Identity Theft. Please provide affiant with an express written consent that I, affiant, the consumer gave you permission.
Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). These companies listed below has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent.
Notice, it is a fact, affiant is aware, pursuant to 15 U.S. Code 1681g I, the consumer has the right to request a full file disclosure about the information within my consumer file which includes the sources of the information was used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person ( including the end-users identified under section 1681e ( e ) ( 1 ) of title 15 ) that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the 1-year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. If any of the following accounts do not have the sources of information available, they must be removed. The following accounts require verification or must be removed.
NOTICE : I am demanding the following accounts be verified or removed from my consumer file and consumer report immediately. No evidence or deletion will result in legal actions.
Name of Account/ Federal Violation FRAUD-Identity Theft/ Provide Written Consent and Documentary Evidence XXXX XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX XXXX Na 15 USC 1681b ( 2 ) No contract/ No written consent XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX XXXX XXXX XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX XXXX 15 USC 1681b ( 2 ) No contract/ No written consent XXXX XXXX XXXX 15 USC 1681b ( 2 ) No contract/ No written consent Notice, it is a fact, due to failure to verify accounts listed above I have been damaged financially, socially, and emotionally due to willful non-compliance and negligence compliance pursuant to 15 USC 1681n and 15 USC 1681o Civil Liability. Under the Fair Credit Reporting Act ( FCRA ), unverified accounts MUST be removed and if you are unable to provide me a copy of verifiable proof or documentary Evidence pursuant to 15 USC 44, you MUST remove or delete accounts listed above from my consumer file. I am demanding removal or deletion from my consumer file and credit report.
Sincerely, XXXX XXXX
|
| 08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
FACT, the truth in lending act is intended to inform consumers about the cost of credit. FACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. FACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) XXXX Is in violation of 15 USC 1692 ( C ) ( A ) a debt collector may not communicate with a consumer in connection with the collection of any debt. FACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) that XXXX is in violation of 15 USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. IN TRUTH I XXXX XXXX FEEL OPRESSED AND ABUSED AS LVNV AND ITS AFILIATES HAVE SENT ME 3 LETTERS WITH DIFFERENT AFFILIATES ( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader XXXX XXXX XXXX XXXX Section ( XXXX ) Any debt collector shall not state that such consumer owes any debt. Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt. abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy. communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX o'clock and before XXXX o'clock post meridiem. A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications. And for these reasons under the law, you have violated my rights several times. I've never had any contract or have NEVER done business with your company, nor will I ever do business with your company, I ask that you validate this dept I need the date and time this account was opened, all documentation concerning this account, any signatures in my specific hand writing the date closed and the date that this account was charged off also I didnt give you my express written permission to contact the credit bureaus about this account under the FCRA 15 USC 1681 A ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITY WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY 15 USC 1681 A permissible purpose of Consumer Reports and the general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates. collectors are not allowed to contact third parties to discuss a debt unless they will give him express consent by the debtor the only reason they may legally contact a third party is to attempt to locate the individual who owns the payment they may also not contact repeatedly or harass these third parties you guys at source receivables management are in clear violation of my rights as a consumer I gave no written instruction two you guys to write anything on my credit report therefore you have 5 business days from the receipt of this affidavit to remove any remarks that you have put on my credit report and delete it expeditiously if you do not remove any remark that you have placed on my consumer report you will have to pay me {$5000.00} for not following the instructions in this affidavit and within those five business days I expect to receive all the documentation regarding this account which is clearly not mine 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX is in clear violation i have not given them permission to contact me and they are deeply harassing me using affiliates to continually bombard me with collection letters for a dept that is not mine LVNV FUNDING IS AN AFFILIATE which is currently on my credit report negatively as are others as well
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| 04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I have sent three letter to LVNV Funding with the last being a certified letter on XXXX XX/XX/XXXX. They will not provide me with any information and keep raising the collection on all three of the credit reporting agencies. I fully claim that this account was opened without my consent, permission or knowledge.
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX To Whom It May Concern : This 2nd letter, ( certified/receipt return ), is regarding account # XXXX, which you claim a DEROGATORY condition on all three credit bureau reports and that I owe {$970.00} on an account that was opened on XXXX.
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX KY XXXX SSN- XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim a DEROGATORY condition on all three credit bureau reports and that I owe {$970.00} on an account that was opened on 06.01.2015. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continued non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Your Name ( printed not signed ) Your Address SSN P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
CC : Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX Thank you, XXXX XXXX XXXX
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| 02/20/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I, XXXX XXXX, the consumer, and original creditor, am aware that my consumer rights has been violated. I sent Resurgent Receivables LLC a debt validation letter on XX/XX/2022 via XXXX mail XXXX and they have not responded as of yet.
Because according to my consumer reports I received on XX/XX/2022 the company/companies are accusing me that I owe them allege Debt. for the amount of {$750.00}. However, I am demanding them/they Resurgent Receivables LLC and XXXX XXXX Bank to provide me with all the proper documentation and verification expeditiously within 7 days why I, XXXX XXXX , the original creditor, owe this alleged debt, and why I must pay this alleged debt to Resurgent Receivables LLC? Because on my consumer reports stating that XXXX XXXX XXXX is the Original Creditor 18 U.S. Code 1028 Please explain in full details how is XXXX XXXX XXXX is the original creditor? Fail to do so would refer to U.S. Code 1028 which is a VIOLATION and I am demanding {$1000.00} each from both these companies for EACH VIOLATION. And to elaborate I AM DEMANDING copies of written agreements with my signature between myself, I, XXXX XXXX, original creditor, and Resurgent Receivables LLC and NOT between no other party or parties, because you are stating on MY consumer reports that I owe YOU this alleged debt again why I must pay this alleged debt to RESURGENT RECEIVABLES LLC? 18 U.S. Code 1028 PROVE IT WITH ALL DOCUMENTATION, the time, the date, that I, XXXX XXXX, has made any agreements with Resurgent Receivables LLC within 7 days. 18 U.S. Code 1028.
This company Resurgent Receivables LLC are furnishing my consumer reports with reporting inaccuracy information to my consumer reports and according to Federal Law 15USC 1611 they are violating.
I, XXXX XXXX, has never did any business whatsoever with nor have I signed any agreements with Resurgent Receivables LLC never in my life and to bring forth another Federal Law 15USC 1666B, 15USC 1681 ( B ) Resurgent Receivable LLC are in violation for even reporting on my behalf and I NEVER given RESURGENT RECEIVABLES LLC permission nor authority to do such thing which is another violation. And I am also reporting aggravated identity theft to the XXXX Credit Reporting Agencies XXXX, XXXX, and XXXX, and as well as Resurgent Receivables LLC because it is Federal Law 18 U.S. Code 1028 they have never got my permission to use my information in no shape, form, or fashion which is a violation to my consumer rights. I am seeking {$1000.00} each violation from all of the following companies ( XXXX, XXXX, XXXX, Resurgent Receivables LLC. ) I have tried to resolve this issue with the Credit Reporting Agencies by disputing this negative item on my report and all XXXX agencies failed to do so.
The XXXX Credit Reporting Agencies listed above never contacted me to verify and validate to see rather or not if the information the company RESURGENT RECEIVABLES LLC reporting is accurate or not which is another violation and I need {$1000.00} from all XXXX agencys for that as well. They are all in VIOLATION 18USC 1028A According to Federal Law, I am reporting identity theft to all these following companies which is XXXX, XXXX, XXXX, XXXX XXXX Bank and Resurgent Receivables LLC. I am demanding {$1000.00} for each violation.
This company Resurgent Receivables LLC has caused so much damage to my life, and family and emotional stress, depression, anxiety and embarrassment to my life and family, and my business as well. Reporting false information 15USC 1666B is a VIOLATION to my consumer rights. Its hard for me to sleep at night due to what Resurgent Receivables LLC is doing to me and harassing me about this alleged debt. 15 usc 1692C ( C ) refers to what Resurgent Receivables LLC is doing to me. 15USC 1681 ( B ) where it states that as a consumer would need to give you PERMISSION to furnish information on my behalf. Did I, XXXX XXXX, give Resurgent Receivables LLC permission to furnish my private information? NO I DID NOT which is another VIOLATION and I am demanding {$1000.00} for every violation to my consumer rights. 18USC 1028A is another VIOLATION on the behalf of all XXXX Credit Reporting Agencies and Resurgent Receivables LLC. 18 U.S. Code 1028 they ( XXXX, XXXX, XXXX XXXX, Resurgent Receivables LLC all are in violation. 15USC 1962D they are harassing me by constantly reporting this information every month since as of XXXX XXXX XX/XX/2022 and I have been depressed since and this has been ruining my reputation 18USC 1341. My reputation is my Credit Report. Because if I want to get a new car from the dealership or get a new home extending my credit, I will not be able to do because Resurgent Receivables LLC has ruined my reputation and causing my credit scores to decrease tremendously! To me as a consumer, my reputation is my credit score and credit worthiness and no companies are extending me any credit due to what Resurgent Receivables LLC has done to my reputation. Please investigate these two companies Resurgent Receivables LLC and XXXX XXXX XXXX because they are not obeying the Federal Law 18 U.S. Code 1343 I am demanding them to prove how I owe them debt, and demanding {$1000.00} for each violation, please investigate Resurgent Receivables LLC. They are harassing me 15USC 1692c, 15USC 1692d, 15USC 1692e and please CFPB please help me with your best ability to resolve this situation and get my remedy for each violation this company has caused to me as a consumer. Next I will be filing XXXX. Best regards.
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| 10/09/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am giving authorization to this company to respond to this cfpb complaint before I proceed with litigation. As a federally protected consumer, this company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt. They also have reported this information to consumer reporting agencies when I have never engaged in an agreement with this company, nor have I given them written, nonwritten, verbal, nonverbal consent to communicate with me both directly and indirectly pursuant to 12 CFR 1006.6 ( b ) ( 4 ) ( i ) and multiple federal laws pursuant to 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES. Furthermore, they claim that they are attempting to collect a debt from a purchased contract which violates Uniform Commercial Code 3-203 which states that once a contract has been transferred, you cancel all rights to collect. I have a right to privacy pursuant to the privacy act of 1974, to be more specific 5 U.S.C 552a, and this company did not get my permission to use my social security number which has caused me monetary damages. I could not purchase a home, a new vehicle or further extend my credit as a result of this pursuit.
The following are federal laws that have been violated in pursuit of this alleged obligation with a brief explanation on how it was violated.
12 CFR 1006.10 and 15 U.S. Code 1692b - Acquisition of location information.
Stating that I owe a debt on consumer report ( s ) and using language that states that the communication relates to the collection of a debt 12 CFR 1006.6 and 15 U.S. Code 1692c - Communications in connection with debt collection.
I have already stated the reason above 12 CFR 1006.14 and 15 U.S. Code 1692d - Harassing, oppressive, or abusive conduct.
The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In connection with the collection of any debt, a debt collector must not communicate or attempt to communicate with a person through a medium of communication if the person has requested that the debt collector not use that medium to communicate with the person.
12 CFR 1006.18 and 15 U.S. Code 1692e - False, deceptive, or misleading representations or means.
The false representation of the amount of the alleged debt. The threat to take any action that can not legally be taken or that is not intended to be taken. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The false representation or implication that accounts have been turned over to innocent purchasers for value.
12 CFR 1006.22 and 15 U.S. Code 1692f - Unfair or unconscionable means.
The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt and I never created an agreement with this company.
12 CFR 1006.34 and 15 U.S. Code 1692g - Notice for validation of debts.
Company did not validate the debt and send the entire purchase agreement to me, the consumer.
15 U.S. Code 1692h - Multiple debts.
Once the debt is disputed, any and all payments shall apply in accordance with the consumers directions and my directions were to send me back my compensation by mail.
12 CFR 1006.26 and 15 U.S. Code 1692i - Legal actions by debt collectors This subchapter prohibits any authorizations from a debt collector to bring forth legal actions.
12 CFR 1006.38 - Disputes and requests for original-creditor information.
UCC 3-203 - TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. I have already stated the reason above.
12 CFR 1022.42 and 12 CFR 1022.43 and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
5 U.S. Code 552a - Records maintained on individuals.
I have the right to keep my financial life private and I have not given this company any authorization to use my social security number.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
|
| 05/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
|
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To Whom It May Concern : I XXXX XXXX am filing this disputed complaint against multiple affiliated entities such as LVNV Funding LLC, an d C/O : Resurgent Capital Services, and XXXX XXXX , in regards to their fallacious reporting 's to XXXX , entity. In Between XX/XX/XXXX , and XX/XX/XXXX , I contacted the original lender of XXXX XXXX , to advised them of my immediate financial hardships and extenuating circumstances that would prohibit me, from making continuous payments going forward. As such, they advised me to enter i nto one o f their affiliated credit counseling programs of which I complied and commenced. As such, about a month thereafter, I received a call from a gentleman stating that he was just calling to see if they were any changes in my financial status, and of which I said no. As such, he continued on by saying your almost a year behind on your mortgage and still under water with many other financial payments and companies. And right thereafter, to my surprise he proceeded by saying that as of today he no longer would be pursuing this matter, and therefore, this debt will be made nullified as under cease and desist order and will be shared with all of their affiliates, to comply with going forward as well. However, to that narrative in XX/XX/XXXX , while I was residing in the east coast wh ich is about XXXX states away a friend of mine had informed me about coming in contact with a subpoena order of which she founded on her door. So, I requested that she scan and e-mail such documents. Upon reviewing such documents it turned out that it was LVNV Funding LLC, who had filed a lawsuit by utilizing a law firm based out of XXXX XXXX Michigan suing for court costs, attorney fees, and other additional bogus charges other than the original left over debt balance of {$630.00}, range, and with theirs showing {$820.00}, from XXXX XXXX , and with the lawsuit debt showing {$920.00}, stemming from LVNV Funding LLC, and affiliates, that they were currently utilizing to place judgement against me, in a cunning, and gravalicious attempt. So, right after revising such documents I decided to contact the courts and shared to them the same sentiments of what was said, to me verbally and also advised them that I was also, no longer residing in the current state and county of where such lawsuits were filed and in further, advised the court clerk that It would also be difficult for me to make it there, as I was like XXXX states away. I also said, to the clerk, that if there was a way for me, to do the hearing over the phone on the date specified for such specific times as that would work out for me just fine. She replied by saying no, and that the information that I had provided her with was good enough to record down and proceed with. And in further, she also provided me with an email address and link to give such, shared verbal statements in writing of which I executed and completed, with also a follow up call to make sure, that such, request was received and of which was also verified out accurately. And that was that. In further, I also contacted the law firm and spoke to a gentleman and shared the same sentiments of what was said to me verbally over the phone stemming back from XX/XX/XXXX . That same gentleman at the law firm took my statement and replied by saying okay. Again, that was that, and to this day I have n't heard from any of the sources that I had called into about the shared sentiments and statements in general. But as such, I have been noticing constant reports being made against my credit under XXXX , enforced by all XXXX entities of LVNV Funding LLC, and C/O : R esurgent Capital Services, and XXXX XXXX and on many numerous occasions that I have made constant contacts with XXXX , and shared the same sentiments, and to no avail, to this day no such, actions of deletions has been made by any of the affiliated entities that 's reporting all such negative and derogatory reportings. And as such, in my closing out analysis and conclusion surrounding this entire matter. I for one have detected that these XXXX entities is full of ethical fallacies that supports their unethical behavior for how they all conduct their businesses with no good reputation or credibility behind them, and in further, they all utilize such disturbing approaches to entrap and take advantage of past and present customers that perhaps, would have never catch on to such undermining events, and for which many would deem as an act of non-de minimis attempts, which also supports acts of extortions on so many unjust levels. And as such, again, I therefore, request that all these XXXX entities cease, and desist all such reportings against my credit with XXXX , as one of your associates had already declared the aforementioned over six years ago which supports all my shared statements and sentiments with all the appropriate parties and entities here by in general. And as such, as it relates to the subject matter, I am requesting that very stiff penalties of swift acts of justices by the body of government that oversees, and regulates all XXXX entities as their ways of conducting businesses at all levels demonstrates nothing but an act of deeply disturbing business conduct in general in the marketplace. And lastly, please see info on XXXX XXXX , law website regarding LVNV Funding LLC, and Resurgent Capital Services.
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| 02/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, To say that you have tried to resolve the issues at hand is a joke. If anything Resurgent has been less than helpful. So let me start this once again. These are the questions that I am not getting answers to.
Lets begin with XXXX XXXX CACH LLC You have been sending me collection notices for years on three XXXX cards. The debt was never mine, the cards taken out by someone who stole my identity. Your company knew this back in the good old CACH LLC days ; they knew it in XXXX when I wrote to XXXX XXXX and you all have just reconized this for the first time.
The XXXX card your collectors got so much pleasure calling me a deadbeat mom on as well as calling my neighbors and sharing with my neighbors things that were none of anyones business. And you were way out of line doing this. Now please explain to me why you would be collecting harassing me, calling me, calling neighbors and reporting me throughout the years on the same XXXX XXXX card that was in the courts?? How were you or why were you sending me collection notices on this very same card and reporting me on it?? Do you know the last collections letter I got from Resurgent on the Metric CACH LLC card was this past XX/XX/XXXX. I want to know why??
Why were you trying to collect on a XXXX XXXX card CACH LLC when it wasnt yours to collect on?? And explain to me how you can be asking me to pay this debt and the other two XXXX cards for over 20 years?? Do you know what the statute is in California???? And why did you continue to report to all three bureaus on cards I never opened, never used were under identity theft and were never mine. WHY did you continue to screw up my credit??? And if you werent reporting them you were doing hard inquiries WHY????
Since having my day in court so to speak I was able to show that while CACH LLC XXXX XXXX was filing bankruptcy Cach knew those XXXX was not mine, he knowingly passed the XXXX XXXX Account onto XXXX XXXX ( which is the same account that Resurgent stalked me about ) and once I showed XXXX XXXX the same thing I showed XXXX XXXX FTC Affidavit and the XXXX report ( it was after she obtained the default judgment ) she closed shop and XXXX XXXX went with all the peeps from XXXX XXXX onto XXXX. So this is a very incestious business. You file bankruptcy and move on and open up a new collection agency.XXXX XXXX even got a levy for my accounts but knowing she would do this I stayed a step ahead and not a single penny was ever taken from me.
See attached letter from Resurgent dated XXXX XXXX addition to trying to collect on a 20+ year old credit card you too have asked me to provide the identity theft info from 20 years ago.And its paperwork you were sent starting in XXXX.
Resurgent was made aware of this starting back in XXXX or XXXX when I wrote to XXXX XXXX sharing that the XXXX cards were not mine. But then like many they just vanish and you never hear from them again. Kind of like you did for a while you just stopped answering my emails, you no longer returned calls. So nice to have you back You try and make me look like an XXXX. The double reporting was done the same year on the same XXXX report they were not from two different years. I know XXXX XXXX liked to think I made up things off the top of my head like her saying there were two fonts being used on something she closed her mouth really quick when that something wasnt from me but from XXXX and it was XXXX who made up paperwork and letters from the bank they made up a letter like it was something i would type and when I called and asked to speak to an attorney on this made up stuff i was hung up on. So what does XXXX try to do?? she reches out to XXXX who called me right away and told me what XXXX was doing. I dont have to make up anything you guys screwed up so badly it's your own paperwork that shows what you have done.
Now XXXX XXXX ...
See the attached statements. You are trying to collect on a XXXX XXXX account that is not mine. The card you are collecting ends in XXXX My card ends in XXXX and it arrived to me in XXXX not XXXX. Just look at the statements I have attached ; you can see when my card arrives the numbers change. I have no clue who the owner is of XXXX that is where you should have checked further because I had no card in XXXX. The places this person used their card is in another city. I also have no pets so pet stores are not where I go to hang out. I have explained this until I am blue in the face and it falls on deaf ears and blind eyes. So the next thing to do is attach those statements right here so you can see the change of the numbers either you or the creditor made a mistake and combined my account which was in good standing as I had the card for less than 30 days but again the statement show this and it shows that my card was closed in less than a month. If you all cant see this now I dont know what else to say it took you over 20 years to see the XXXX and you still dont see that you were collecting on the same card as was in the courts.
You will see this now. I hope.
XXXX XXXX you continued to report me wrong here too and double report me.You would report once as the bank and once as LVNV same card but your dates dont match on the LVNV and the i am going to pretend I am XXXX XXXX I know that the second you buy this account the creditor stops reporting so what you do is make it up.
|
| 06/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Original complaint ID # XXXX was closed without the company addressing the complaint ( s ) and therefore, i am initiating a new complaint based on the response provided in the above complaint ID #.
XX/XX/XXXX I have read the response by LVNV Funding/Resurgent which ignored a significant portion of the basis for the complaint. Per the Fair Debt Collection Act and other regulations which became effective on XX/XX/XXXX, LVNV Funding and/or its Agents illegally reported a collection on my credit report to ( at a minimum ) the 3 major Credit Bureaus XXXX XXXX XXXX and XXXX. It is unknown at this time whether they also illegally transmitted information to any secondary credit reporting agencies.
This illegal collection activity/reporting occurred after XX/XX/XXXX and prior to contacting me regarding the matter which is shown on the validation letter they provided in support dated XX/XX/XXXX. The three major credit bureaus have confirmed that LVNV Funding/Resurgent reported in XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX prior to contacting me regarding the issue on XX/XX/XXXX. That is a total of four months of illegal collection activity to each of the three major credit bureaus for a total of twelve separate and distinct violations of law.
Also, when LVNV funding was notified by Priority Mail dated XXXX XXXX which USPS shows as being received on XXXX XXXX, LVNV Funding failed to as required by law report to the credit bureaus that the debt was disputed. LVNV/Resurgent kept reporting to the credit bureaus in XXXX and XXXX. It serves no legitimate purpose to provide monthly updates on an account that is closed and has no monthly payments but despite going to the trouble to report it monthly for whatever purpose, they failed to notify the all three of the major credit bureaus that it was disputed within thirty days which represents an additional three violations of law for a total of fifteen violations of law in connection with their collection efforts on this account with a prescribed legal remedy of up to {$1000.00} per violation. I am awaiting a response from several other secondary credit reporting agencies to determine if any other illegal collection/reporting activities have occurred.
LVNV Funding/Resurgents response provided generic, form letter verbiage regarding their rights to collect and report which presumes that they do so in accordance with the law which was not the case as confirmed by the three major credit bureaus in at least fifteen separate instances which they fail to address in their response.
Numerous damages have occurred as a result of this illegal collection/reporting activity. First, I was denied credit during this period for which the basis of the denial was collections on my credit report for which this is the only one and it was reported illegally. I simply applied to a different company and was approved, however at a rate 12 % higher. In addition, I had a second and unnecessary hard inquiry placed on my account which negatively impacts not only my credit score but opportunities to apply for future credit due to excessive hard inquiries.
Most importantly, I am a XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The financial damage as a result of this illegal collection activity far exceeds any relief that would be granted in the form the prescribed remedy.
In addition, I want to clarify what I perceive as a misinterpretation by LVNV Funding/Resurgent as stated in their response. I did not request that LVNV funding or any of its Agents cease contact. I repeatedly informed LVNV Funding and its Agent at the time XXXX XXXX XXXX XXXX XXXX that I keep business hours until XXXX during the week, the bulk of which is spent driving when my phone ringer is not turned on for safety reasons and that I would be happy to speak with them if they call after XXXX XXXX during the week or on Saturdays which their stated normal operating hours could have easily accommodated. I also offered to call them if they provided me a direct number and contact with knowledge and authority to which they declined. Instead, I received daily missed call indicators from XXXX XXXX XXXX phone number outside of the requested hours/days with no voice mail messages and not one single instance where they called when requested. I also stated that there was not much that I could speak to until LVNV Financial/Resurgent provided documentation that has been outstanding since the original conversation in XXXX. I presume this was simply to log call attempts for a file and not a serious effort to contact me and therefore, Resurgents claim in their response that they take our customer service and consumer protection obligations seriously is not borne out by their actions.
I was and still am amenable to a resolution of this matter however, that stated in XXXX and it is now XXXX and it is now seriously and unnecessarily complicated by the illegal collection activity and the significant financial damage it has caused me as a result. It is in both parties interest to come to a resolution which avoids the arbitration set forth as the dispute remedy mechanism in the provided XXXX XXXX document.
|
| 07/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
|
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In XX/XX/XXXX, I received a few emails from a company called XXXX, Outlook had automatically filtered the messages as spam and thus I had not seen them until I was cleaning my email out while recovering from XXXX the month prior. I was able to recover XXXX of the emails the first was from XXXX XXXX on XX/XX/XXXX and the XXXX email was on XX/XX/XXXX from XXXX XXXX. Upon opening one of the messages I realized it was a debt collection company citing they work with another company called LVNV Funding attempting to contact me about an account from XXXX. As I know it can be very dangerous to a person 's credit report to respond to these communications, I did not respond to any of these emails as I did not want it to be assumed I was claiming ownership of the debt. I instead scrolled to the bottom to unsubscribe from all future communications. At the bottom of the communication, I noticed an extremely vague message regarding the " use of your information '' and decided to review the privacy policy as well as unsubscribe. The privacy policy indicates that basically all of your data will be tracked and collected in a database, I have downloaded a copy of the privacy policy as it is currently for the explicit purpose of filing these complaints. I feel that a debt collection company should not be allowed to or currently be tracking without explicit and clear consent and warning that a person 's " IP address, browser type and language, Internet service provider, type of computer, operating system, date/time stamp, user interface interaction data ( such as, but not limited to, any mouse clicks or navigation on our emails and Web Applications ), uniform resource locator ( URL ) information ( showing where you came from or where you go to next ), email open rates, credit card, or bank account information '' - simply by opening an email. Furthermore, they should not be allowed to or currently be tracking without explicit and clear consent and warning that a person 's " IP address, location of use, browser type and language, Internet service provider ( ISP ), type of computer, operating system, date/time stamp, user interface interaction data ( such as, but not limited to, any mouse clicks or navigation on our emails and Web Applications ), or uniform resource locator ( URL ) information ( showing where you came from or where you go to next ) '' just by visiting their website ( especially when they are in my case attempting to request communication to be discontinued and/or reading their privacy policy ). This much information should not be allowed to be collected without first clearly notifying a person and giving them the option to decline this information from being tracked beforehand. The only reason I went proceeded to read the full privacy policy is because I took a XXXX XXXX class and therefore have a small bit of knowledge about the shady tactics used by companies to attempt to obfuscate information from consumers and/or dance on the borders of the legal system. This is not information that the average person possesses and the reason it should not be legal. The XXXX email was apparently triggered because I failed to complete all of the steps to unsubscribe from email communications which I then completed on XX/XX/XXXX. Additionally, the emails themselves bait a consumer into going to the debt collectors website by not including all of the account information in the email communication itself and only offering links to their website listed as " View My Options '' or " Dispute '' - so you are forced to visit their website where they will steal any and all possible information they possibly can from your device in order to obtain more information about whatever account they list. Also, the account number at the bottom of both emails from XXXX is different from the account number listed for LVNV Funding and Resurgent Capital Services ; which can also cause confusion on the consumer 's part when there are XXXX debt collection companies all working together simultaneously to collect 1 debt that is also past the statute of limitations. As a result of all of this later that day I decided that I needed to draft a formal cease and desist letter which was sent on or about XX/XX/XXXX and I have retained signed copies for myself I sent one to XXXX and one to LVNV Funding. Today XX/XX/XXXX I have now received 2 letters in the mail, now a 3rd company called Resurgent Capital Services also claiming to work with LVNV Funding attempting to collect the same XXXX ; according to their letter soon to be XXXX XXXX XXXX debt as of XXXX of this year. The letters allege an inquiry was submitted about this debt which is the exact opposite of what I have been asking. I am starting to feel that I will now be harassed by LVNV Funding via the use of other companies under their umbrella which whom I have not individually written cease and desist letters because I do not know who they all are. The only communication I should have received is confirmation of the cease and desist request which should cover all partner companies. The cease and desist letters which have also been included show that I did not request any information regarding the alleged debt either. I simply want to have all forms of physical, electronic, and telephone communication with myself, friends, family, and employers stopped.
|
| 07/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
In XX/XX/XXXX, I received a few emails from a company called XXXX, XXXX had automatically filtered the messages as spam and thus I had not seen them until I was cleaning my email out while recovering from surgery the month prior. I was able to recover 2 of the emails the first was from XXXX XXXX on XX/XX/XXXX and the 2nd email was on XX/XX/XXXX from XXXX XXXX. Upon opening one of the messages I realized it was a debt collection company citing they work with another company called LVNV Funding attempting to contact me about an account from XXXX. As I know it can be very dangerous to a person 's credit report to respond to these communications, I did not respond to any of these emails as I did not want it to be assumed I was claiming ownership of the debt. I instead scrolled to the bottom to unsubscribe from all future communications. At the bottom of the communication, I noticed an extremely vague message regarding the " use of your information '' and decided to review the privacy policy as well as unsubscribe. The privacy policy indicates that basically all of your data will be tracked and collected in a database, I have downloaded a copy of the privacy policy as it is currently for the explicit purpose of filing these complaints. I feel that a debt collection company should not be allowed to or currently be tracking without explicit and clear consent and warning that a person 's " IP address, browser type and language, Internet service provider, type of computer, operating system, date/time stamp, user interface interaction data ( such as, but not limited to, any mouse clicks or navigation on our emails and Web Applications ), uniform resource locator ( URL ) information ( showing where you came from or where you go to next ), email open rates, credit card, or bank account information '' - simply by opening an email. Furthermore, they should not be allowed to or currently be tracking without explicit and clear consent and warning that a person 's " IP address, location of use, browser type and language, Internet service provider ( ISP ), type of computer, operating system, date/time stamp, user interface interaction data ( such as, but not limited to, any mouse clicks or navigation on our emails and Web Applications ), or uniform resource locator ( URL ) information ( showing where you came from or where you go to next ) '' just by visiting their website ( especially when they are in my case attempting to request communication to be discontinued and/or reading their privacy policy ). This much information should not be allowed to be collected without first clearly notifying a person and giving them the option to decline this information from being tracked beforehand. The only reason I went proceeded to read the full privacy policy is because I took a business law class and therefore have a small bit of knowledge about the shady tactics used by companies to attempt to obfuscate information from consumers and/or dance on the borders of the legal system. This is not information that the average person possesses and the reason it should not be legal. The 2nd email was apparently triggered because I failed to complete all of the steps to unsubscribe from email communications which I then completed on XX/XX/XXXX. Additionally, the emails themselves bait a consumer into going to the debt XXXX website by not including all of the account information in the email communication itself and only offering links to their website listed as " View My Options '' or " Dispute '' - so you are forced to visit their website where they will steal any and all possible information they possibly can from your device in order to obtain more information about whatever account they list. Also, the account number at the bottom of both emails from XXXX is different from the account number listed for LVNV Funding and Resurgent Capital Services ; which can also cause confusion on the consumer 's part when there are 3 debt collection companies all working together simultaneously to collect 1 debt that is also past the statute of limitations. As a result of all of this later that day I decided that I needed to draft a formal cease and desist letter which was sent on or about XX/XX/XXXX and I have retained signed copies for myself I sent one to XXXX and one to LVNV Funding. Today XX/XX/XXXX I have now received 2 letters in the mail, now a 3rd company called Resurgent Capital Services also claiming to work with LVNV Funding attempting to collect the same XXXX ; according to their letter soon to be XXXX XXXX XXXX debt as of XXXX of this year. The letters allege an inquiry was submitted about this debt which is the exact opposite of what I have been asking. I am starting to feel that I will now be harassed by LVNV Funding via the use of other companies under their umbrella which whom I have not individually written cease and desist letters because I do not know who they all are. The only communication I should have received is confirmation of the cease and desist request which should cover all partner companies. The cease and desist letters which have also been included show that I did not request any information regarding the alleged debt either. I simply want to have all forms of physical, electronic, and telephone communication with myself, friends, family, and employers stopped.
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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****IDENTITY THEFT ***** XXXX XXXX XXXX XXXX Beneficiary XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : LAST 4 OF SOCIAL SECURITY NUMBER # XXXX To Whom It May Concern, This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
15 USC sS 1681 b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title ; a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.
The following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately.
Inquiry Company Name : XXXX Date of inquiry : XX/XX/XXXX Inquiry Company Name : XXXX Date of inquiry XXXX XX/XX/XXXX Inquiry Company Name : XXXX Date of inquiry : XX/XX/XXXX Inquiry Company Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX My identity has been stolen you are hereby put on notice Aggravated Identity Theft pursuant to 18 USC S1028A ( 1 ) IN GENERAL.
Whoever, during and In relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law. 15 USC sS 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
YOU XXXX, XXXX, XXXX have aided this fraud by not verifying these accounts.
Congress states 15 USC sS 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
1. The following account is due to identity theft Account Name XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report.
2. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report.
3. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report.
4. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report.
5. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please delete this item from my consumer report.
6. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please delete this item from my consumer report.
7. The following account is due to identity theft XXXX XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report.
8. The following account is due to identity theft XXXX Account XXXX : XXXX Please delete this item from my consumer report.
9. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report.
Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above section of the law.
I demand all the above fraudulent accounts be DELETED immediately.
I demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subjection, the consumer reporting agency shall ( A ) Disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681 ( d ) of this title ; and Be advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC XXXX Attorney Generals Office in your state and Mine Thank you, XXXX : XXXX XXXX Beneficiary Enclosed : copy of ID, Utility Bill showing proof of address,. FTC Identity theft report with statement of fraudulent accounts/ inquires.
|
| 07/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XX/XX/2023 RE : Method of Verification To whom it may Concern : I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).
Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.
1. The name of the original creditor and full account number ( s ).
2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Write off accounts are deemed transactions, and transactions are prohibited from being furnished by credit reporting agencies. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''XXXX XXXX the financial institution and the credit reporting agencies XXXX XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX funding whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX and XXXX XXXX funding Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. accounts in question I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion.
I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request.
I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage.
Thank you, XXXX XXXX
|
| 02/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX Account holder : LVNV Funding LLC Account # : XXXX Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ) not state that such consumer owes any debt ; ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of 15 U.S.C. 1692e ( ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. ) 15 U.S.C. 1692k ( ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ) Fact, affiant is aware that XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of 31 C.F.R. 363.6 ( Minor means an individual under the age of 18 years. The term minor is also used to refer to an individual who has attained the age of 18 years but has not yet taken control of the securities contained in his or her minor account. ) Fact, affiant is aware that XXXX XXXX XXXX XXXX XXXX XXXX has at least ( 11 ) ten violations of title 15 U.S.C 1692.
|
| 07/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Greetings & To Whom It May Concern : **Certified mail slips purposely left out due to upload restrictions. Available upon request. ** Upon sending inquiries via certified mail ( with confirmation stating it had been received ) to XXXX, XXXX, XXXX XXXX LVNV to request removal of inaccurate information on my consumer report, as well as proof requesting all information was valid - I received notices alleging all information was accurate, and my accounts were properly investigated but this is not factual, which has prompted me to reach out in hopes of gaining assistance.
The multitude of inaccuracies on my reports are as follows : Personal Information - at least 5 inaccurate errors - Also Known As - Date of Birth - Current Address - Previous Address -Employers Debt Collection Agency -LVNV - over 100 inaccurate errors -Creditor Name - Account Type -Account Type Detail -Bureau Code -Account Status - Monthly Payment -Date Opened - No. of Months ( terms ) - Past Due - Payment Status - Last Reported - Comments - Date Last Active - Date of Last Payment - XXXX Year Payment History This is a serious matter constituting action for removal.
I am reaching out with the intention to obtain support for rectification, as these actions have negatively affected my ability to apply for credit, successfully purchase a home, and have led to limitations with my overall credibility.
Ive respectfully asked for this information to be removed from my account, and as of my latest consumer report from XXXX XXXX, the changes have yet to be made.
XXXX has been aware of this dispute regarding the accuracy of this information since XX/XX/2022 at XXXX PM with XXXX tracking # XXXX.
XXXX received the notice of personal information update from me on XX/XX/2022 at XXXX PM with XXXX tracking number # XXXX.
XXXX received the notice of personal information update on XX/XX/2022 at XXXX PM with XXXX tracking number # XXXX.
LVNV received the notice of personal information update on XX/XX/2022 at XXXX AM with XXXX tracking number # XXXX.
In the included PDF is evidence that I had made a concerted effort to resolve these inconsistencies on my report.
Even with my genuine efforts of communication adhering to this situation, LVNV still sent correspondence letters of verification, and did so in XXXX pertaining to one of my accounts. I am a XXXX XXXX speaker, and have never communicated with them in XXXX. This alone is grounds for removal.
I am considerately making contact with the understanding that you will be able to assist me in clearing up this situation.
Violations : 15 U.S.C 1681i ( 2 ) ( A ) - Reinvestigation of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
15 U.S.C 1681i ( 6 ) ( A ) ( B ) - Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
15 U.S.C 1681i ( 7 ) - Description of reinvestigation procedure ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description.
Thank you kindly for taking a moment to read this message of concern regarding my report, I am confident and hopeful in your helping hand.
With Sincerity, XXXX
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| 09/05/2021 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below LVNV FUNDING LLC COMNWLTH FIN ( Original Creditor : XXXX XXXX XXXX ) LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2021. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2021 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XX/XX/2021. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
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| 05/31/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I AM A FEDERALLY PROTECTED CONSUMER I am making this complaint against ( XXXX XXXX XXXX ACCT # XXXX ). I REJECT your offer to contract I DO NOT CONSENT to any NON-AFFILIATED THIRD PARTY ( XXXX XXXX XXXX ) to be in possession of my Non-public Personal Information. THIS IS A VIOLATION OF THE GRAMM-LEECH-BLILEY ACT ON CONSUMER PRIVACY and the FEDERAL TRADE COMMISION THE ( FTC ) CONSIDERS a CONSUMER 'S PRIVACY PROTECTION RIGHTS VERY CRITICAL TO PROTECT. I never gave my permission TO ( XXXX XXXX XXXX ) USE OF ANY of my Identifying information they are emailing me constantly, calling me constantly, and mailed a letter all with in a weeks time I FEEL LIKE THEY ARE HARASSING ME. This is ( XXXX XXXX XXXX ) NOTICE to CEASE AND DESIST ALL illegal activity and communications with me and if they try to falsely furnish any false credit debt information ON MY consumer report which will be considered communication and ILLEGAL activity. I AM NOT REQUESTING validation of any alleged debt as obtaining as Non Public Personal Information BUT WITHOUT my lawful, legal authority THIS constitutes Aggravated Identity Theft 18 USC 1028A. This alleged debt SOLD BY ( XXXX XXXX XXXX ) WITH MY NON-PUBLIC PERSONAL INFORMATION TO XXXX XXXX XXXX A THIRD PARTY DEBT COLLECTION COMPANY ( XXXX XXXX XXXX ACCT # 3531 ). BASED ON THERE ACTIVITIES I now have reason to believe that THEY BOTH ARE conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL EXTORTINATE means. There is NO TRILATERAL CONTRACT BETWEEN US ( XXXX XXXX XXXX ) AND THERE WAS NO TRILATERAL CONTRACT WITH ( XXXX XXXX XXXX ). THE F.D.C.P.A WAS CREATED TO PROTECT ME THE CONSUMER FROM THIS TYPE OF DAMAGING, UNFAIR, HARASSING BEHAVIOR FROM A DEBT COLLECTOR. THERE IS NO LEGAL OBLIGATION TO PAY YOU ( XXXX XXXX XXXX ) THERE IS NO CONTRACT NOR EVER WILL BE A CONTRACT BETWEEN US. THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FEDERAL TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM DEBT COLLECTORS LIKE YOU THAT PUBLIC KNOWLEDGE AFTER CFPB FINDINGS IS KNOWN TO VIOLATE CONSUMER RIGHTS .AND IF YOU ATTEMPT TO REPORT THIS FALSE ALLEDGED DEBT TO ANY OF THE CREDIT AGENCIES AND IT GETS PUT ON MY CONSUMER REPORTS YOU THEN WILL BE IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT WHICH STATES " Section XXXX of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. AND BY XXXX XXXX XXXX TO PURSUE AND HARASS ME OVER THIS FALSE ALLEDGED DEBT THIS IS WILL BE GROUNDS TO EXCERCISE MY FEDERAL RIGHTS UNDER 15 USC 1692 E8 VIOLATION. AND BY FALSELY REPORTING THIS ON MY CONSUMERS REPORT YOU WILL CAUSE ME TO BE DENIED AND PROHIBIT ME FROM EXTENSIONS OF CREDIT FOR HAVING THIS " XXXX XXXX XXXX ACCOUNT '' ON MY REPORTS IT WILL ALSO BE GROUNDS FOR THE FALSE CLAIM ACT " XXXX XXXX XXXX YOU WILL THEN BE RESPONSIBLE FOR PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH IS MY FEDERAL CONSUMER RIGHT ESTABLISHED BY US CONGRESS. WHICH NOW WILL ALSO PUT YOU IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK FEDERAL JUSTICE, AND DEMAND ALL MY FEDERAL CONSUMER RIGHTS BE PROTECTED, AND FEDERALLY RESPECTED, AND FEDERALLY ENFORCED UNDER 15 USC 1692e ( 8 ) and under this violation under the F.D.C.P.A allows ME to sue debt collectors for false credit reporting. This part of the law tells debt collectors not to falsely report, or report something that they should know is false. AND RIGHT NOW WITH ALL THE CALLS EMAILS, LETTER UNDER THE FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF XXXX U.S.C. XXXX STATING a debt collector in collecting a debt, XXXX NOT HARASS, oppress, or abuse any person. For example, a debt collector XXXX not : Use or threaten to use XXXX or other criminal means to harm the physical person, REPUTATION, or property of any person. AGAIN WE HAVE NO CONTRACT XXXX XXXX XXXX I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH XXXX WHOM YOU STATED IN YOUR LETTER TO ME " SOLD MY NON PUBLIC INFORMATION TO YOU XXXX XXXX XXXX ", AND I HAVE NO CONTRACT WITH YOU XXXX XXXX XXXX NOR DO I DESIRE TO. AND BE ADVISED UNDER 15 USC 1692K CIVIL LIABILTY I AM TO BE AWARDED {$1000.00} PER FDCPA VIOLATION FINDINGS AND I FOUND 1 VIOLATION. AND I AM POINTING IT OUT THAT I FOUND A F.D.C.P.A VIOLATION. I DEMAND MY DUE CIVIL DAMAGES BASED ON 15 USC 1692K CIVIL LIABILITY. I DEMAND TO BE MAILED MY {$1000.00} PER VIOLATION COMPENSATION TO MY MAILING ADDRESS 1675 XXXX XXXX XXXX XXXX, IA XXXX. BE ADVISED UNDER THE F.D.C.P.A I AM TO BE AWARDED THIS DUE TO YOUR FDCPA VIOLATION. MY FEDERAL CONSUMER PROTECTION RIGHTS ARE ESTABLISHED BY THE F.T.C, AND F.D.C.P.A, AND THE CFPB. FEDERAL CONSUMER LAWS SUPERCEDES ANY FALSE DEBT ALLEDGED BY A THIRD PARTY DEBT COLLECTOR. I DEMAND MY DAMAGES WHICH I AM DUE UNDER THE F.D.C.P.A IMMEDIATELY DUE TO YOUR NONCOMPLIANCE OF THE F.D.C.P.A VIOLATION UNDER 15 USC 1692D.IM CALLING ON THE CFPB TO ACKNOWLEDGE, POLICE, ENFORCE, MY FEDERAL CONSUMER PROTECTION RIGHTS THAT XXXX XXXX XXXX AREN'T AWARE OF VIOLATING. IM STANDING ON ALL MY FEDERAL PROTECTION CONSUMER RIGHTS THE FDCPA, FTC, CFPB, STATE I HAVE.
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| 04/07/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Below is a letter that I have sent to XXXX XXXX XXXX and LVNV funding LLC on three separate occasions over the past couple of years. To my dismay ( and frustration ), these collection agencies have continued to harass and send me emails over the past two years requesting money for a debt on a XXXX XXXX XXXX credit card, that I've never owned.
Additionally, this credit card debt was listed on my credit reports more than seven years ago ( beyond the statute of limitations. ) I had initially contacted the original creditor, XXXX XXXX XXXX, as well as Transunion and Equifax, to let them know that this credit card item on my credit report was not mine.
It was obvious to me at the time, that since I hadn't own any credit cards from XXXX, that this credit item on my credit report was fraudulently obtained using my credentials.
After I filed a complaint with XXXX XXXX XXXX, the account was subsequently removed from my credit report within 30 days ... With that said ; nearly a year later, XXXX XXXX XXXX and LVNV funding LLC had begun sending me harassing collections letters.
These letters began requesting that I pay money for a delinquent XXXX XXXX credit card that the original creditor, Transunion and Equifax, agreed was fraudulently obtained with my credentials XXXX and subsequently removed from my credit reports. ) Below is the letter that I've sent on several occasions to the aforementioned collection agencies, of whom are unable to validate the debt as being legitimate, continue to harass me for a credit card that I'VE NEVER OWNED.
LETTER I SENT TO COLLECTIONS ON 3 SEPARATE OCCASIONS : " Dear XXXX XXXX XXXX Representative, I am responding to your contact about collecting a debt. You contacted me by postal mail onXX/XX/XXXX and identified the debt as a referenced account for LVNV funding LLC ( original creditor : XXXX XXXX XXXX XXXX ) Again, I do not have any responsibility for the debt that youre attempting to collect.
Per LVNVs previous requests for more information, I have fully cooperated in their investigation on this issue. In my previous letter on this matter, I provided LVNV with all of the requested documents that they had asked for ; including a police report dated XX/XX/XXXX, a copy of the credit agencys investigation showing proof that, the original creditor ( XXXX XXXX XXXX ) had agreed that the debt was not valid, of which they subsequently removed the debt from my credit reports.
As I had mentioned to XXXX in my previous communication regarding this issue, if the original creditor ( XXXX XXXX XXXX ) has agreed that the debt is not valid and therefore removed the debt from my credit reports, then XXXX and XXXX XXXX XXXX have no legitimate financial claims to this debt as well.
I have been very patient and courteous regarding this issue. By providing requested documents to XXXX to aid in their investigation, Ive fully cooperated with their firm regarding this matter.
Therefore, I can no longer waste anymore of my time regarding this issue.
Ive NEVER owned a XXXX XXXX XXXX credit card in my entire life. In fact, from XXXX, Ive never owned any credit cards PERIOD! Its absolutely impossible to validate this debt ( with solid evidence of my signature on a XXXX XXXX credit card contract. ) Therefore, your attempt to collect this debt is not valid and at this point, I consider being harassment by XXXX XXXX and XXXX XXXX XXXX.
Im respectfully asking your firm ( and XXXX ) for the final time, per the state Rosenthal Fair Debt Collection ACT and the Fair Collections Practicing Act, to please stop harassing me on this matter. I dispute ever having incurred or having any obligation for this phony debt. Someone other than myself had incurred this debt, apparently using my credentials. The fact that XXXX XXXX XXXX ( the original creditor ) investigated and subsequently removed this debt from my credit reports 30 days after my initial request to investigate the issue ; proves that I personally did not incur this debt.
Consequently, and with all due respect, as I had previously written to XXXX, I WILL NEVER pay a single penny for a debt that I did not incur and cant be validated. No one should be obligated to do such a thing. '' Since receiving the collections letter on XX/XX/XXXX, I have received an additional letter from these crooks on XX/XX/XXXX.
Overall, I've received at least four communications from XXXX XXXX XXXX and LVNV funding LLC. And, although I've co-operated with their requests for police reports and other documents to state my case ; they have not been able to validate this debt on three separate requests, showing me proof that this debt was incurred by me.
In the past year, so far, they have been able to provide me with the validation that I had requested ; ( including my signature on the original credit application. ) '' END LETTER At this point I am beyond fed up with this fraudulent extortion request. I am grateful for any help that the XXXX XXXX XXXX XXXX can provide for me in getting XXXX XXXX XXXX and LVNV funding LLC collection agencies to stop harassing me and others that may be experiencing the same harassing practices.
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| 05/07/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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I sent this Validation Of Debt letter ( below ) 3 times and they never provided me with any proof, yet they continue to report this on my credit and it has devastated my life, my ability to get a job and any new credit : LETTER SENT TO : Resurgent Capital Services/XXXX -XXXX XXXX XXXX, XXXX , SC XXXX and to : XXXX-XXXX XXXX XXXX -XXXX XXXX XXXX, XXXX, SC XXXX I asked these questions requesting that they provide me with the following information ; 1. ) What the money you say I owe is for : NOT PROVIDED 2. ) Explain and show me how you calculated what you say I owe : NOT PROVIDED 3. ) Provide me with copies of any papers that show I agreed to pay what you say I owe : NOT PROVIDED 4. ) Provide a verification or copy of any judgment if applicable : NOT PROVIDED 5. ) Prove the Statute of Limitations has not expired on this account : NOT PROVIDED 6. ) Show me the you are licensed to collect in my state : NOT PROVIDED 7. ) Provide me with your license numbers and Registered Agent or Agent of Service : NOT PROVIDED LETTER SENT in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX FROM : XXXX XXXX - Re : Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX To Whom It May Concern : I previously sent you a request to Validate my debt NOT Verification of this debt under the Fair Debt Collection Practices Act and I did not receive from you the documents or information that meets the Federal Trade Commissions guidelines of what constitutes proper debt validation. ( see CONSUMER REQUEST FOR DEBT VALIDATION FORM / DATE : XX/XX/XXXX below ) In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt.
A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Therefore, if you do not immediately remove this account from my credit reports XXXX, XXXX and XXXX, you are subject to another {$1000.00} fine, plus punitive damages.
I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I will follow through with the law suit if you do not remove the reports on my credit with XXXX, XXXX and XXXX within 15 days from the date you receive this letter.
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| 06/20/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Subject : LVNV Funding LLC XXXX XXXX XXXX XXXX Acct. ( s ) Ending : XXXX | Amount {$2200.00} Court System : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - CIVIL SYSTEM - Case Number : XXXX Claim Type : CONTRACT District/Location Codes : XXXX / XXXX Filing Date : XX/XX/XXXX Case Status : ACTIVE Ending : XXXX Amount {$1200.00} Court System : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Case Number : XXXX Claim Type : CONTRACT District/Location Codes : XXXX / XXXX Filing Date : XX/XX/XXXX Case Status : ACTIVE XXXX. Unauthorized Account open as a result of Identity theft XXXX. Time-Barred Debt and Violation of XXXX. Harassment XXXX. Violation of The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the credit reporting industry and protects consumers ' rights. These are just a few of the FCRA 15 U.S.C. 1681 et seq violations I have experience at the hand of LVNV Funding LLC since XXXX and as of now XX/XX/XXXX.
Failure to follow proper debt disclosure or dispute procedures Reporting inaccurate information ( Exhibit XXXX ) Mixing my files with someone else who has similar background information a FCRA violations which has result in credit denial, loss of employment opportunities and public embarrassment as a result of repeatedly having to explain a debt that does not belong to me. ( Exhibit XXXX ) XXXX. Willful Non-Compliance and negligent. ( Exhibit XXXX ) My name is XXXX XXXX, and I am submitting this written complaint against LVNV Funding LLC, for harassing me for debt that does not belong to me. I did not authorize the opening of the accounts referenced in this complaint. Both are the result of my identity being stolen in XX/XX/XXXX. I have been disputing the two accounts ever since they appeared on my credit report. I have never made any payments on either account. Both accounts showed up on my credit report XX/XX/XXXX.
LVNV Funding has violated Fair Debt Collection practices.
My original dispute XX/XX/XXXX fails on death ears as a result I hired XXXX XXXX, XX/XX/XXXX to assist me with the matter. Please see the attached correspondence date XX/XX/XXXX noting where they also sent a dispute on my behalf.
This debt does not belong to me and what is more discussing is that LVNV Funding has harassed for more than 36 months over a time-barred debt, that doesnt belong to me and has been filing legal actions against my name causing harm to my credit score, resulting in credit rejection, employment opportunities and public embarrassment by having to provide written explanation as a result of their false reporting.
I have provided proof of this ongoing harassment and cyber bullying. They have re-aged using the date they purchased the debt as the date the account was opened.
LVNV Funding has reported false information on my credit file to numerous 3rd party credit reporting agencies.
Both accounts are over 5 years old and were already time-barred when LVNV purchased them, yet they still proceeded to file all sorts of legal action in court against me. HARASSMENT! It is XX/XX/XXXX which is 5 years from the date that they claim the account went into default. However, the original date referring to my submitted XXXX XXXX correspondence both accounts went into default near or about XX/XX/XXXX, immediately 90 days after they were created which is actually 6 years ago.
LVNV Funding llc, has been intentionally breaking the law and violating debt collection practices. I reside in Maryland.
Time limits on debts In Maryland, debts must be collected within a certain time. If you owe money to someone, the person is called a creditor, and what you owe them is called a debt. The creditor generally has 3 years ( 4 years if the debt is owed for the sale of goods ) from the date the debt becomes due to ask the court to order you to pay. A court order to pay a debt is known as a judgment. If the creditor does not go to court within the time limit, then the court generally will not order you to pay the debt.
Read the Law : Md. Code, Courts and Judicial Proceedings 5-101 ; Commercial Law 2-725 If the creditor does go to court within 3 years, and the court does order you to pay it, then that person has 12 years to collect it from you, unless the judgment is renewed.
Complaint No : XXXX ( LVNV FUNDING LLC ) XXXX : ( XXXX, XXXX ) Type : REGULAR CLAIM - Complaint Status : ACTIVE Status Date : XX/XX/XXXX Filing Date : XX/XX/XXXX Amount {$1200.00} Last Activity Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A - Original creditor LVNV FUNDING LLC purchased the closed account and then reopened the account with a new date.
Last reported XX/XX/XXXX, and Re-Opened XX/XX/XXXX ( XXXX mos. ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Respectfully, XXXX XXXX XXXX : Maryland Office of the Attorney Generals Consumer Protection Division Consumer Financial Protection Bureau Please see the attached supporting documentation for my claims and damages.
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| 07/04/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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This is a new CFPB complaint that is a continuation to a previous complaint against XXXX / Resurgent / LVNV I reported in XX/XX/XXXX. The previous CFPB case number is XXXX.
I received a new debt validation letter from XXXX XXXX XXXX, collecting for LVNV, on XX/XX/XXXX. LVNV-Resurgent has sent a new collection company after me in complete disregard to their FDCPA violations I reported in XXXX. To summarize the XXXX complaint : I had a standing agreement with XXXX / Resurgent / LVNV to not call me on the phone, and to put all their communication with me in writing. This is not a gimmick Im using to slow down any creditors! Its just for my own safety, because Ive had some BAD past experiences with trying to have legal/financial conversations on the phone where the other person just denies everything later!
In XXXX, XXXX / LVNV did something very strange ( and very illegal ) with the debt account they own. They took it out of their system for a few weeks on XXXX website, and then put it back in their system with a new account number and immediately started calling me again. They violated my request to only contact me in writing, which is prohibited under FDCPA law 15 USC 1692c. I scanned the original letter I received from XXXX compliance department in XXXX saying they would only contact me in writing on the complaint as proof.
Im going to tell you the same thing Im telling all of my creditors right now : Ill pay you what I can reasonably afford, but IM NOT PAYING YOU ANYTHING ONCE YOU VIOLATE MY CONSUMER RIGHTS! I have to protect myself from you SOMEHOW! By demanding me to pay this Resurgent account NOW, youre perpetuating the FDCPA violations Ive already reported against you!
My financial and mental resources are stretched urgently thin this month ( XXXX ) because another creditor, XXXX, decided they want to randomly sue me into bankruptcy for no reason, without even trying to warn me first. And the lawsuit itself MIGHT be a criminal action, because I HIGHLY suspect XXXX might be related to the anonymous Identity Theft troll Ive been victimized by for the past XXXX months! Maybe it was a bank opening up bogus accounts in my name to verify my address? Just to see how long it will take me to catch the accounts and close them? I dont know whats going on, but it strikes me as more than just a tiny coincidence when you look at XXXX timing and their adversarial attitude. Now Resurgent wants to play abusive bully games with me too.
I was also suspecting XXXX is illicitly communicating with Resurgent to help Resurgent get around their phone call violations, and this new XX/XX/XXXX letter from XXXX XXXX XXXX XXXX Resurgent has only strengthened those suspicions.
The entire Identity Theft issue has been reported to the local police, and XXXX XXXX executive office ( they own one of my other defaulted accounts ) is currently doing an investigation on their side to see if they can help me. If XXXX DOESNT decide Wait, this was a mistake. This isnt the right time or the right way to do this and they DONT withdraw their suit within the next 20 days, then I need to save every resource I have to find a lawyer to argue in court for me, and possibly file counter-suit against XXXX Otherwise, Ill just be pleading my situation to XXXX XXXX by myself on XX/XX/XXXX! Im extremely terrified and extremely angry at the same time!
Im going to make this point clear again : Any financial judgment against me is going to result in this : ALL debt payments stop to ALL creditors IMMEDIATELY. Even my open revolving ones. Ill keep my car loan current for the next several months, and once I have enough saved up for a bankruptcy attorney, Im filing for bankruptcy! THATS THE ONLY OPTION YOURE FORCING ME INTO if we continue down this path! One : Im already insolvent about four-to-one to begin with. Two : I am NOT going to live with a bank having a judgment against me as their legitimate cover to go diving into my checking account whenever they want, when I have reason to suspect the same bank or group of banks may have been frauding me with the Identity Theft to begin with!
Yes, Im in debt. I understand that. If you ever sat down and read my entire insane family situation, youd understand its not 100 % my debt. But even disregarding that, Im still a human being whos supposed to have some legal rights in the debt collection process! For starters, why is it so hard to contact someone in writing when they ask you to PLEASE ONLY CONTACT THEM IN WRITING?
My income is {$2500.00} per month. I only have a few hundred dollars of wiggle room every month for ALL extra expenses, and soon Im going to have to start paying student loans again. My only big assets are my XXXX car that is financed until XXXX and my 401 ( k ) that is sealed away until the 2050s. Bullying and threatening isnt helping you when I have nothing left to give you! Unless youd like to force me into filing for bankruptcy first thing in XXXX, Im asking you and your associates to LEAVE ME ALONE!
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| 12/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX and a debt buying company XXXX also known as Resurgent Capital, along with XXXX XXXX XXXX have been reporting inaccurately to the credit repositories in regards to these " accounts '' for two years now. Filing a complaint with this agency is my last resort and I prey some form of relief can be found. To summarize my experience with the credit reporting/dispute process has left me flabbergasted at what little it takes to make it on to a credit report, considering how much of an impact this makes in our everyday lives and how much improvement is needed in regards to being able to dispute inaccuracies with credit reporters and the repositories.
This tale all begins roughly two years ago when, just getting reestablished in my home town after an absence went about seeking to " repair '' my credit. After hiring a credit repair company and working on getting inaccurate information off my report we made a little headway and I parted ways with them assuming I could handle the rest on my own, lesson learned.Getting these three accounts removed after debt validation proving the lack of connection to myself in regards to XXXX XXXX XXXX ( see attached documents ) and reporting and rereporting of various inaccurate information by XXXX XXXX XXXX and XXXX including there most recent stunt of putting in a XXXX reaging both accounts, I came to the conclusion that using the traditional dispute process was not going to work.These companies all seem to have the art of playing the credit repositories against the consumer down to a science and have made a joke of the process. It has been like a game of whack-a-mole getting one removed with another of the three popping back up with new ( different but still inaccurate ) information to report. Complaints with this agency have yielded the only useful information I have gotten in spite of the fact I have filed no less that 5 disputes with all three repositories that have accomplished nothing. I will get off my soap box and get to the facts, I apologize.
In regards to XXXX XXXX XXXX and the collection agency they sold the charged off debt to XXXX a.k.a Resurgent Capital, account XXXX, this transaction took place XXXX. After and account is sold and the debt is charged off the creditor is to report it as a XXXX balance. Well this did not happen, XXXX XXXX is reporting to one of the repositiories various " failure to pays '' which on a zero balance is not possible. I have disputed this, in fact this rereporting came after I filed my last dispute. XXXX XXXX and XXXX both intentional will file false, damaging balance histories when presented with disputes in retailition for filing them. I do n't accuse them of that lightly these are the facts that have become the realilty of my credit history. They have removed both the accounts in the face of these FCRA violation only to report them several months later, I would like them gone as XXXX never sent me any notification of the alleged debt I owe them and XXXX XXXX has wantonly violated the Fair Credit Reporting Act. Look at the variance in between the three bureaus and the length of time XXXX alongside XXXX XXXX XXXX have been reporting. Blatantly inaccurate they are all different and there is no way the balance could be anywhere near what they are claiming with out excessive fees being charged on the alleged debt.
XXXX XXXX XXXX, account XXXX, is a monster of the same making. They initially reported not one but two accounts with an alleged credit XXXX XXXX XXXX. They have been reporting this for over two years now and I have request numerous times for them to provide actual evidence of the debt, nothing was done. After repeated attempts at debt validation and a complaint through this agency they finally removed one account and provided documentation on another. This " documentation '' is spotty to say the least. There is not acknowledgement of debt, it is signed by someone who neither XXXX XXXX XXXX nor myself can even name and the debt does not belong to me. Again this has been disputed numerous times and the credit agency fail to respond in any manor, I had request a manual review and they failed to respond. This needs removed as I have continued to say the debt does not belong to me. Notice on the first page of the attached documents the date is stated as XXXX/XXXX/XXXX to an address I do not reside at, and from the original creditor even though XXXX XXXX XXXX has been reporting this since XXXX as a collection debt. This is a very clear violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. I pointed this out to the credit bureaus but again received no response. This is not something that should slid past.
I prey this agency is able to accomplish what I have not and get these inaccurate cleaned up, I have been working very hard to build credit and these stumbling blocks do not belong here. I appreciate your attention to this matter and look forward to an amicable resolution.
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| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Account # - XXXX ( LVNV FUNDING ) Dear XXXX, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified item ( LVNV FUNDING ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : 1 ) Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; 2 ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 3 ) Please provide proof when the original creditor claims this debt became due and when it became delinquent ; 4 ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and Collector, bearing Consumer wet-ink signature ; 5 ) Please provide a copy of the last billing statement sent to Consumer by the original creditor ; 6 ) Please provide late payment notice and/or account closing notice provided by the original creditor ; 7 ) Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above- alleged account ; 8 ) Please provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; 9 ) Please provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records ; 10 ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as FR 2046 balance sheet ( OMB # 's 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S, and RC-B call schedules ; 11 ) Please provide verification and/or copy of any judgment if applicable ; 12 ) Please provide proof of any interest, fees or other charges expressly authorized by the agreement ; 13 ) Please provide a certified copy of all Public Hazard Bond ( s ) and Liability Insurance Policy ( s ) and accounting demonstrating the financial capability of Collector ; 14 ) Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 15 ) Please provide a Statute of Limitations expressly authorized by the agreement ; 16 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.
At this time, I also inform you that reporting invalidated information to major credit bureaus ( XXXX, XXXX, XXXX or any third party ) might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Also, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Violation of the Consumer Collection Practices Act in my State ; I am waiting for your immediate action to my requests. Best Regards,
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| 11/18/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THE COMPANY " RESURGENT CAPITAL SERVICE '' SENT ME CORRESPONDENCE IN THE USPC MAIL THAT THEY HAVE PURCHASED AN ALLEDGED DEBT FROM COLLECTION COMPANY " LVNV '' AND MAIL CORRESPONDENCE TO ME A NATURAL PERSON STATING I A CONSUMER OWE A DEBT I HAD NO INVOLVEMENT IN THEIR DEBT PURCHASE, NOR DO I HAVE ANY CONTRACTUAL AGREEMENT WITH " RESURGENT CAPITAL SERVICES '' THIS IS FALSE AND MISLEADING REPRENSENTATION. PURSUANT TO 15 U.S. Code 1692e.False or misleading representations U.S. Code1692/Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, XXXX XXXX, XXXX, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), XXXX XXXX, XXXX, 110 Stat. 3009425. ) ACCORDING TO15 USC 3002 I AM NOT MY UPPER CASE NAME MY NAME IS XXXX XXXX a consumer .Pursuant to 18 U.S. Code 8 - Obligation or other security of the United States defined .The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes XXXX Treasury notes XXXX gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States XXXX stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps XXXX
( XX/XX/XXXX, ch. 645, 62 Stat. 685. )
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| 03/19/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on uncollectable debt after the statute of limitations.
Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Under 15 U.S.C. 1692g ( a ), a debt collector must, within five days of the initial communication regarding a debt, furnish the consumer with a written notice that states ( 1 ) the amount of the debt, ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer disputes the validity of the debt within 30 days, the debt collector will assume the debt is valid, ( 4 ) a statement that if within the 30-day period the consumer notifies the collector in writing that the consumer disputes the debt, the debtor will obtain verification of the debt from the creditor and have a copy of that verification mailed to the consumer; and ( 5 ) a statement that if the consumer requests it in writing, the debt collector will provide the consumer with the name and address of the original creditor if it differs from that of the current creditor. A debt collector who does not provide the information mandated by 1692g ( a ) violates the FDCPA. A debt collector who violates any provision of the FDCPA is civilly liable for actual damages, reasonable attorneys fees, and additional statutory damages under 15 U.S.C. 1692k ( a ). ( 2 ) ( A ) In the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) In the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector.
This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas. This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint will also been filed with the Texas Attorney General 's office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA.
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
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| 10/11/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX, LVNV FUNDING, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave XXXX, LVNV FUNDING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. XXXX, LVNV FUNDING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States, or the District of Columbia, from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; XXXX, LVNV FUNDING, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; XXXX, LVNV FUNDING, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. XXXX, LVNV FUNDING, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. XXXX, LVNV FUNDING, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX, LVNV FUNDING, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXL has provided false information to XXXX, XXXX, & XXXX
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| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX, LVNV FUNDING, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave XXXX, LVNV FUNDING, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. XXXX, LVNV FUNDING, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the District of Columbia , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; XXXX, LVNV FUNDING, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; XXXX, LVNV FUNDING, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. XXXX, LVNV FUNDING, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX, LVNV FUNDING, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has provided false information to XXXX, XXXX, & XXXX
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| 06/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In XXXX of XXXX, I began receiving unsolicited text messages from the phone number XXXX that read : This is XXXX, a debt collector. Your account has been placed with us. View your account summary : XXXX XXXX XXXX. Reply STOP to opt out of SMS.
I received these text messages every two days. The message and link would change slightly with every text.
They all started out the same with : This is XXXX, a debt collector. And they all ended with : Reply STOP to opt out of SMS.
The variations are noted below : Click to learn more about payment options : XXXX XXXX XXXX We have an opportunity to work with you! View your options : XXXX XXXX XXXXXXXX Your account summary is available online. View it now : XXXX XXXX XXXXXXXX Your late balance was placed with us. VisiXXXX XXXX XXXX XXXXXXXX Great news! You have a 50 % deduction available on this account XXXX XXXX XXXX XXXX You can save {$310.00} by accepting our offer XXXX XXXX XXXX XXXXXXXX Want to save 50 % on this account? See your payment offer XXXX XXXX : XXXX XXXX, you have some unfinished business. Work with us : XXXX XXXX XXXX Guess what? Were offering a discount on this plan : XXXX XXXX XXXX
Need flexibility? Try customizing your own plan XXXX XXXX XXXX XXXX.
You can resolve this account at a discount! View offer : XXXX XXXX XXXXXXXX.
These look exactly like the type of text messages and links that are termed as phishing by Cyber Security professionals and are usually deemed unsafe to follow.
Despite the fact that after each of these text messages I replied with the word STOP, I continued to receive text messages every other day. This last one was received at XXXX on Friday XXXX.
Instead of replying STOP to this last one, I sent the reply : These text messages do not meet the requirements of the Fair Debt Collection Practices Act and I dispute any claim that they make regarding a debt owed by me to this or any other company. I do not now, nor have I ever in the past, done any business or owed any money to any company by the name XXXX.
After sending this reply, the texts stopped coming in. The company began sending me email every other day, beginning on XXXX.
These emails state that XXXX is a debt collector attempting to collect a debt owed to Resurgent Receivables LLC, in the amount of {$620.00} US.
Again, this communication does not contain all required statements and requirements as provided by the Fair Debt Collection Practices Act.
The emails were sent from the account named XXXX XXXX. Email address XXXX.
On XXXX, I sent regular mail to the company Resurgent Receivables LLC at both the addresses I was able to find online. One for disputes ; XXXX XXXX XXXX, XXXX, SC XXXX ; and one for their Compliance Department : Compliance Department XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. This mail that I sent was a hard copy dispute of any debt I owed to Resurgent Receivables and a request to produce validation documentation and proof of such debt.
Both were received and signed for on XXXX.
Also on XXXX, Resurgent Receivables LLC made a negative report on my account with XXXX Credit Bureau.
Although I have not checked, It is not out of the realm of possibility that the company did this with all four credit bureaus.
This timing hardly seems coincidental.
I continued to receive emails from XXXX XXXX at XXXX every other day until I responded to one on XXXX again disputing the claims of debt owed and requesting validation documentation.
On XXXX I received an email from XXXX XXXX ( XXXX ), email address : XXXX Stating that the account owner, Resurgent Receivables LLC, has been notified of the dispute and an investigation is ongoing.
Even though I have never had any correspondence whatsoever from Resurgent Receivables LLC regarding a debt owed, they have placed a negative report with at least one credit bureau ; presumably all four.
This negative report was created after the company was aware of my dispute by hard copy letter.
After being informed of this dispute by both myself and XXXX, the company Resurgent Receivables has not updated its reports to the credit buraus to indicate that the debt is disputed.
This does permanent harm to my credit rating and so limits me in various ways.
It appears that there are currently two companies claiming to service this one debt.
It has been over thirty days ( 30 ) since my dispute was received and signed for by a representative of Resurgent Receivables LLC, yet I have received no contact from them what-so-ever ; not even an acknowledgement of the dispute.
It has been over thirty ( 30 ) days since acknowledgement of my dispute by XXXX, yet I have received no further information regarding its validity from them.
I reiterate that no debt was ever owed. The claim that I owe {$620.00} US is fraudulent and has always been so.
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| 03/10/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Noticed a new collection account from LVNV on my credit report. I hadnt received a notice from anyone regarding LVNV. This was XX/XX/XXXX. Finally on XX/XX/XXXX, I received a letter from a company called XXXX XXXX XXXX XXXX XXXX XXXX in my former/married name regarding the information about LVNV. Original creditor was XXXX XXXX and a dollar amount listed. I submitted a dispute letter to XXXX XXXX XXXX on XX/XX/XXXX using the CFPB recommend dispute letter. I requested everything such as a copy of the last statement from XXXX to save myself time and money since I am a first responder in this fight against Covid. I waited and waited for a response letter from XXXX XXXX XXXX but I never received a response. Then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX regarding the same information addressed in my former name and stating they were collecting a debt on behalf of LVNV. Original creditor was XXXX XXXX. Again on XX/XX/XXXX I sent a dispute letter in the same format asking all the same questions to save time to XXXX XXXX Credit Bureau. At this point I felt that LVNV was playing a game and wanting to waste my time. Harassment/Bullying would be more of a true statement. During the process timeframe waiting for a response from XXXX XXXX XXXX I became Ill with XXXX XXXX variant. After regaining my health I had a letter from a company called XXXX XXXX XXXX. The date on the letter is XX/XX/XXXX but theres never a postmark date so I honestly can not tell you the date it arrived to my actual address. This was the response letter to my dispute letter and I was totally upset after reading this letter. It didnt tell me anything I didnt already know. Everything I have done regarding the CFPb instructions landed me in the same predicament with no answers to the dispute letter I sent to XXXX XXXX XXXX. I requested a statement for validation then they asked if I would send them the information. It was too late to respond because the timeframe had passed me by when I was so ill. I had to cool off before I sent this complaint to your office and I wanted to know more about LVNV. I counted over 5000 complaints on your website many with my same situation. I read a letter in the XXXX XXXX regarding the owner bragging how much money his collection companies have made during the Covid Pandemic.
This is not right during Covid he kicks consumers when they are struggling with their health, finances, unemployment or even during death. I have been in the frontline and its not fun and I have lost many friends and family members. This is injustice that a debt collection company can and has gotten by with their tactics. Not one lawsuit from FTC or CFPB. I called XXXX on XX/XX/XXXX after speaking to 3 individuals XXXX was able to help me. She tried to find my account but it was almost 4 years old and she looked it up by the address, phone number while I was living at the address, my SS # and account number. Theres not a record showing I owe money nor do I have a charge off account. XXXX works in the financial department and the phone number I called is XXXX time of call was XXXX pm. I also called CFPB and spoke at length with a nice gentleman who kept telling me to file a lawsuit. I will not file a lawsuit we have too much trouble with those issues as it is and it is your responsibility to hold the debt collectors accountable. If not during Covid I would not feel so insistent to request you investigate my complaint and look at all the other complaints in more detail especially the timeframe regarding XXXX XXXX XXXXLVNV. Bragging in an article about collecting money for 3rd party debt during a pandemic is not kosher. Its inhumane. Preying on the sick unemployed and those family members who may have passed. I will have all my details attached and I apologize for my rant but I am caregiver and I will protect those who have been treated unfairly as I have.
Please note all of these correspondence letters are prior to the effective date of the new ruling regarding 3rd party debt collectors. Covid rules should apply due to dishonesty on this companys part. There should not even be favoritism.
Company failed to : 1. Did not Wait before reporting to credit reporting agency XX/XX/XXXX report date XXXX. XXXX XXXX XXXX did not respond to my dispute letter.
XXXX. Dispute response letter received but information was already established and the letter was completed by XXXX XXXX not XXXX XXXX XXXX which is deceptive practice. Company did not verify account was mine nor did they supply evidence of proof.
XXXX. I spoke to XXXX who verified there is not a balance owed or a change off account.
XXXX. Deceptive practices during XXXX.
Please review my complaint with care. I appreciate your help with this matter Reference ID : XXXX Resurgent Capital for LVNV Funding LLC
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| 02/26/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have sent this company multiple emails with notices to cease and desist stating to verify this debt and it has not been verified. They keep sending me a copy of a bill from another company.
I have no contract with this company to perform anything and also have stated to them that if they brought a debt that it was a volunteer effort on their part per- A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal. App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ).
This company extinguished the alleged debt upon purchase and any attempt to collect or sell the debt is an act of fraud.
There were given 10 days to provide the below documents.
Failure to provide me with a written letter by your agency/law firm of non-existence of debt within 10 days will result in the actions mentioned below. Failure to purge all derogatory credit reporting from any credit agencies, including XXXX, XXXX and XXXX without validity of the aforementioned debt shall be considered an act of fraud.
Illegal extortion of funds Punitive damages General damages Exemplary damages Special damages Inability to obtain fresh credit for filing judgments against XXXX credit bureau and/or such further & other relief as I deem necessary to seek.
You have 10 days upon receipt to respond to this notice of fraud. If you do not respond within the 10 days you agree that this declaration is true and that you will report debt as paid in full and that no money is owed to XXXX XXXX XXXX, XXXX.
THAT, this declaration if not rebutted by any man, representing XXXX XXXX XXXX, XXXX at any level, in any matter, at any time within 10 days upon receipt, these facts stand as true in the both the private and public record.
I have not received any documents but the other companies statement so they are now in default.
I also provided the below notice : XX/XX/XXXX Lawful Notice of Dispute Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, California XXXX RE : Reference # XXXX To Agent or Assigns of Resurgent Capital Services : I am in receipt of a computer-generated letter from your company dated XXXX XXXX, with unsigned, unverified, unvalidated statements alleging some kind of debt. Who are you? Do I have a contract with you? If yes, please send a certified copy of the contract that exists between XXXX XXXX and Resurgent Capital Services.
It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes and I do not owe the debt for the account in the above Regarding. However, your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury.
Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g.
Please send me a certified copy of your license to collect a debt in Michigan. If you purchased this as a debt collections device to make money as a debt collector, thank you for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful reporting on my credit report. Failure to respond in XXXX business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for {>= $1,000,000} in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violations.
Here are the terms of this self-executing Contract : Respondent must respond in an Affidavit with the requested supporting documentation and mail to the Authorized Representative as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX [ XXXX ]. In the absence of a true bill, kindly tender payment of {$1000.00} payable to : XXXX XXXX for 1 ( one ) unsigned, unverified, unvalidated statement punishable by Federal Law pursuant to Title 18 USC 1341, 1702, 1703 and 1708.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved,
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| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX is violating my Rights as a Consumer. LVNV Funding is also violating my Rights as a Consumer. I am in a never ending loop between XXXX and LVNV Funding in which they are complicit in KNOWINGLY Violating my Rights.
LVNV Funding brought a lawsuit against me in the District Court. The case was decided in my favor.
I have a Judgement of Dismissal that explicitly states '' On the above claim, the Court has, upon dismissal, DISMISSED this claim... This means the defendant DOES NOT have to pay the plaintiff ANY PART of the claim or costs in this claim. '' Dated for XX/XX/XXXX.
This document was sent to all parties involved in the lawsuit. Reporting that I owe ANY amount to ANY credit reporting agency AFTER receiving this Judgment of Dismissal is unlawful.
After noticing this Account was still reporting on my Credit Report, I disputed this account with XXXX. On XX/XX/XXXX By certified mail, I sent a dispute disputing this account and also sending in the Judgement of Dismissal that I received from the Courts to prove this account was NO LONGER ABLE TO REPORT as I DID NOT OWE THEM ANYTHING and the entire account must be removed. XXXX went through their process determined the account was VERIFIED by LVNV Funding. LVNV Funding then sent me their " proof '' through the mail, totally ignoring the Court decision, and instead sending me documents their Attorney didn't even present before a Judge. On XX/XX/XXXX, by Certified Mail, I disputed this same account with XXXX again, asking for a reinvestigation, and again sending in my documents from the court Verifying the account in question that was being Disputed with LVNV Funding was actually the account being shown in the Judgement for Dismissal. XXXX concluded their reinvestigation and deemed the account to be VERIFIED and ACCURATE, despite having a copy of the Court order and this information being easily accessible online. They are able to VERIFY the information I was presenting them by accessing Massachusetts Court Records online! Last week I decided to call XXXX to speak with someone personally. The representative I spoke to told me he would resubmit a Dispute. No, Thank you. Been there, done that, WITH SUPPORTING DOCUMENTS. I asked to speak to a Manager, was transferred to the Floor Manager who told me XXXX is " only '' a credit reporting agency and can " only '' report was is given to them by furnishers. I was told that they could still report this Account even with a Judgement for Dismissal. Today, I decided to call LVNV Funding using the number listed on the account on my credit report. The number did not belong to LVNV Funding but belonged to Resurgence Capital, who is servicing LVNV Funding accounts. The representative looked up my account and said the only way to have this account removed from Credit Reporting is to pay it. I asked to be transferred. The person I was transferred to told me the same thing. I asked to be transferred to a Manager. The person who took the call did not identity themselves as a manager but proceeded to read from a LONG DOCUMENT making sure to finish, getting louder if I interjected. She basically read a document that explained that the case was Dismissed WITH Prejudice ( they have the document from the Judge ) which means that the LEGAL part of the account was closed, they could not pursue legal action but could still report the account to the Credit Reporting Agencies. Which makes absolutely no sense. She then proceeds to tell me the only way to have the account removed is to pay it. I have a Judgment of Dismissal for this account from the Courts which BOTH XXXX and LVNV Funding refuse to acknowledge. This account has remained on my Credit Report for almost a year after the determination by the courts. I continue to pay High interest rates, have been denied a school loan for my daughter to attend college, went through an immense account of XXXX anguish which persists to this very day, and financial burden due to this issue I am having with XXXX and LVNV Funding. Laws are put in place to prevent this very situation and XXXX and LVNV Funding are acting as if they are both above the Law.
The Fair Debt Collection Practices ' Act IS THE LAW.
XXXX and LVNV Funding is in violation of the law.
This is False Misrepresentation of the legal status of this debt and continuing to report it after having a Court Ruling is unlawful. The persistence with noncompliance to the law is being documented.
The CFPB and the FTC are my final courses of action before suing XXXX and LVNV Funding. I am REQUESTING REMOVAL and THE COMPLETE DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT as I DO NOT OWE ANY AMOUNT TO LVNV Funding and this information should not be reporting on my credit report.
Docket XXXX Date of Judgement : XX/XX/XXXX
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| 05/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX, I received an email from XXXX stating that an account in my name was sold to Resurgent capital Inc and that XXXX would no longer accept a payment on the amount they were stating I owed. Also at this time, I was notified of the XXXX account on my credit report being updated to charged off as bad debt. As a consumer, I was under the impression that the debt was charged off and it would negatively affect my credit but that would be the end of it.
On XX/XX/XXXX, a Notice of Assignment was mailed to me from Resurgent. The notice said nothing about any amount of money being owed, however at the bottom it stated This was sent from a debt collector, however please note that this communication is not an attempt to collect a debt. The sole purpose is to provide information regarding ownership of the account.
Again as a consumer never having gone through debt before, I was still under the impression that I didnt owe anything.
On XX/XX/XXXX, I received an alert that a new collection had been added to my credit report. I immediately logged in to find out what was going on and there was a new collection showing reporting opened XXXX XXXX by LVNV funding LLC with an active open status which immediately took my credit score from XXXX down to XXXX. I called XXXX and XXXX immediately to dispute this account that I not only didnt recognize, but had also received that notice of assignment a few months prior stating they werent attempting to collect any debt! The dispute was investigated, and the only update I received was that the verbiage would be added to my report that I disagreed with the information. Nobody from LVNV or Resurgent or any other company ever contacted me about my disputes to them about this information being inaccurate.
*Please note, this account STILL shows open, and as of XX/XX/XXXX the balance reporting to my credit report has increased by {$500.00}, which is also a major violation. * *Please also note that I brought the fact of the charge off on my credit report up in the complaint I made to the attorney of LVNV in XX/XX/XXXX. Interestingly enough, XXXX was deleted from my credit report in XX/XX/XXXX. Great thing I had kept my proof of the report. * Fast forward to XX/XX/XXXX, the very first glimpse of debt being owed was mailed to me in the form of the initial validation letter. This validation letter was from yet another new company named XXXX XXXX XXXX XXXX, attempting to collect debt on behalf of LVNV. This is the same law group that called me every 2 days from XX/XX/XXXX up until XX/XX/XXXX when I filed a complaint against them for harassment. Mind you, during the time of XX/XX/XXXX, I had just found the courage to leave a job that I had been experiencing harassment for a year and this was right at the start of the holidays. I had gone to my grandmothers house about 3 hours from my residence and decided that since I was taking a break from working, that I would stay through the new year and spend time with her and my family. I returned home around XX/XX/XXXX, to which I checked my mailbox and saw a jammed pack mailbox with about 100 letters/cards/advertisements, etc. I had a ton of catching up to do after being away for a month that I didnt deep dive through each piece of mail immediately. You could imagine my surprise that on XX/XX/XXXX, a lawyer that I had worked with ONE time the previous year, sent me an email stating he received mail regarding a lawsuit for me with his law firm listed as my address, so he wanted to send it to me so I was aware. What a breach of privacy and how humiliating this was.
On XX/XX/XXXX a serviced showed up on my doorstep to serve me papers that I was now being sued for this alleged debt.
I can not begin to express the toll this has placed on my mental health, my physical body from the stress, on top of still struggling to find employment. LVNV violated my fair credit reporting act, which affected my interest rate on car refinance, made it impossible to take out any new loans or credit cards, made it impossible to find a place to live with that low of a credit profile, ultimately almost made it impossible for me to find a job in my field of work. I have a state license and with that being on there, I have to provide a detailed explanation to any CEO that thinks of hiring me explaining how I am not a fraudulent individual etc.
For them to wait over a year and a half to contact me, finally doing so a week before XXXX, and then serving me a lawsuit not even two months later, however they were able to monthly ruin my credit by reporting to the bureaus while also ignoring my multiple disputes placed on those bureaus. I absolutely want to press charges for emotional distress, humiliation, and violating of my rights and sense of peace.
|
| 12/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Subject : Request to Reopen Case - Inadequate Debt Validation and Inaccurate Reporting by LVNV FUNDING LLC Complaint ID - XXXX Dear Sir/Madam, I am writing to request the reopening of my case and to file a formal complaint against LVNV FUNDING LLC.This request stems from their continued failure to provide complete and satisfactory debt validation and their inaccurate reporting of information on my credit report.
Despite my previous efforts to resolve this issue, LVNV FUNDING LLC has not adequately addressed the concerns raised. Specifically, their response to my debt validation request was incomplete and lacked the necessary documentation to verify the legitimacy of the debt. This failure not only violates my rights under the Fair Debt Collection Practices Act but also continues to adversely impact my credit standing.
Given these unresolved issues and the significant impact they have on my financial profile, I am compelled to seek further assistance from the CFPB. It is imperative that this case be reopened to ensure that [ Credit Collection Agency 's Name ] is held accountable for their actions and that my concerns are addressed in a thorough and lawful manner.
The key issues that necessitate further investigation and resolution include : 1. Incomplete and inadequate response to my debt validation request.
2. Inaccurate information reported on my credit report by LVNV FUNDING LLC.
3. Lack of compliance with the legal requirements for debt collection and reporting.
Enclosed are the questions that I have previously asked, along with an additional question added to the previously asked questions. LVNV Funding LLC should answer each and every question with accurate information, including previous correspondence with LVNV FUNDING LLC and records of the disputed credit report entries. These questions highlight the areas where LVNV FUNDING LLC has failed to comply with legal standards and the impact of these failures on my financial standing.
1. Please provide a complete payment history made by me, as required by Spears v. Brennan, 745 N.E.2d 862 ( 2001 ) Ind. App. LEXIS 509. This should include verification by line item, with an explanation for each item, such as when the purchase took place, the cost of the item, whether the goods were received, and when they were received. This information should be obtained directly from the original creditor for the entire amount you claim I owe.
2. A certified copy of the originating contractual agreement bearing my signature with the initial creditor that I would pay this creditor, elucidating terms pertinent to interest, fees, and ancillary charges.
3. I am requesting information to determine if any insurance claims have been made regarding this debt. Please provide any relevant documentation or evidence of such claims.
4. I require proof that you have the legal chain of title necessary to collect this debt. This should include documentation showing the transfer of ownership of the debt from the original creditor to your agency.
5. The obligation between LVNV Funding LLC and me, which permits you to collect on the alleged debt, and any transactions with LVNV Funding LLC that bind me to an agreement to pay any money that LVNV Funding LLC claims I owe 6. The exhaustive sum of the purported debt, encapsulating any accrued interest, fees, or additional charges.
7. An itemized account of the principal amount initially owed, accompanied by a delineation of any interest, fees, or other charges incorporated post the original creditor 's assignment of the debt to your agency.
8. The name of the creditor to whom the debt is owed ; 9. The precise date marking the initial default or non-payment related to this account.
10. Documentary evidence affirming your agency 's legal authority to initiate collection activities within my jurisdiction, inclusive of, but not limited to, necessary licensure and registrations.
11. Confirmation that the window for the statute of limitations concerning this debt remains open.
12. A statement that unless I dispute the validity of the debt within 30 days, it will be assumed valid by your agency ; 13. A statement that if I do dispute the debt within the 30-day period, your agency will obtain verification of the debt or a copy of a judgment against me and mail me these verifications ; 14. A statement that upon my written request within the 30-day period, your agency will provide me with the name and address of the original creditor, if different from the current creditor.
I appreciate the CFPB 's attention to this matter and look forward to your prompt response and assistance in resolving these ongoing issues.
Thank you for your time and consideration.
Sincerely, XXXX XXXX
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| 01/23/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Provide proof of what the money you say I owe to you is for Explain in how you calculated what you said I owe Provide me with any copies papers where it said that I signed and agree to pay what you say I owe Provide the statute of limitation has not expired on this account Provide license that you have the right to collect in the State of Connecticut and Florida Please provide a complete history and explanation of what is said I owe Provide bill with my signature I agree and owe this debt to your company You are in violation of section 604 I will report this to the Federal Fair Credit Reporting Agency if my adverse mark is not deleted or validation showed ; ( B ) Application by mail, telephone, computer, or other similar means. ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 615 ( a ), within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and 3 The references in Sections 604 ( b ) ( 3 ) ( A ) and 604 ( b ) ( 3 ) ( B ) should be to Section 609 ( c ) ( 1 ), not ( c ) ( 3 ) that no longer exists as the result of Congress re-organization of Section 609 ( c ) in 2003 ( FACT Act ). 604 - 15 U.S.C. 1681b 15 ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 609 ( c ) ( 3 ) .3 ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has be I demand the following accounts be verified or removed immediately.
Name of Account Account Number Provide Physical Verification Please know that I fulling intend to report any violations that contribute to the defamation of my character to the FAIR CREDIT REPORTING ACT AGENCY and follow up with Legal Advice if this account is not fully validated with all requested above.
Thank You, XXXX XXXX
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| 06/22/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Today, XX/XX/XXXX, I received a text message from Resurgent Debt Collectors that my accounts with XXXX XXXX Bank was sold to their company for debt collections. I received a letter from XX/XX/XXXX, from the Office of Currancy in XXXX, Texas, that an investigation was completed. XXXX XXXX Bank stated that I was placed on a Legal No Call List as of XX/XX/XXXX. I was advised that I would not be contacted by XXXX XXXX Bank unless it was for legal purposes and that XXXX XXXX Bank advised that there would not be a settlement amount that can be offered for my two ( 2 ) accounts that I had previously sought to have closed prior to being charged-off and sold to a third-party collector. I did not receive any notifications or correspondence from XXXX XXXX Bank ( via U.S. Mail ) that my debt was being sold to another company, I did not receive any calls from XXXX XXXX Bank about what the finalized about was prior to being sold to Resurgent Bank. I believe this is considered to be an UNFAIR act under the UDAAP. I believe that I have suffered reasonable harm that XXXX XXXX Bank made and it is unavoidable due to their unwillingness to communicate and/or contact me to work out a plan for resolving the debt and getting the account closed prior to being charged off and sold. According to the Unfair Acts or Practices The standard for unfairness in the Dodd-Frank Act is that an act or practice is unfair when : ( 1 ) It causes or is likely to cause substantial injury to consumers ; ( 2 ) The injury is not reasonably avoidable by consumers ; and 1 Dodd-Frank Act, Title X, Subtitle C, Sec. 1036 ; PL 111-203 ( July 21, 2010 ).
2 Sec. 1031 of the Dodd-Frank Act. The principles of unfair and deceptive practices in the Act are similar to those under Sec.
5 of the Federal Trade Commission Act ( FTC Act ). The Federal Trade Commission ( FTC ) and federal banking regulators have applied these standards through case law, official policy statements, guidance, examination procedures, and enforcement actions that may inform CFPB.
3 Dodd-Frank Act, Secs. 1024 ; 1025 ( b ) ( 1 ) ; 1026 ( b ) of the Act.
CFPB Manual V.3 ( March 2022 ) UDAAP 1 CFPB Consumer Laws and Regulations UDAAP ( 3 ) The injury is not outweighed by countervailing benefits to consumers or to competition.
I have been negatively impacted as a consumer due to XXXX XXXX Bank selling the debt to Resurgent Debt Collectors. The benefits of the account being resolved ( as previously requests ) has been taken away from me and solely benefitted XXXX XXXX Bank as well as Resurgent Debt Collection services. The unwillingness of XXXX XXXX Bank to settle the account as previously asked when the amount of the debt was roughly {$320.00} versus allowing late fees, over limit charges, interest and numerous fees to accumulate. The amount listed to Resurgent is well over {$800.00} now. XXXX XXXX Bank was allowed to charge the debt off ( to their benefit ) and now Resurgent Debt Collectors have purchased this debt ( for the profit ) as well since their debt purchase from XXXX XXXX Bank is not equivalent to the amount that is stated to be owed.
Also, under Section 609 of the Fair Credit Reporting Act ; I was not allowed my rights to dispute the information that will be reported from XXXX XXXX Bank and the information reported from Resurgent Debt Collectors.
Lastly, I would like to have a Validation fo Debts done for Resurgent Debt Collectors under the Fair Debt Collections Practices : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
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| 12/11/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have a current Complaint with a Complaint ID XXXX. The resolution I said I wanted was my car back for a settlement of {$5000.00} and that debt be satisfied. So on XX/XX/2023 I got a call from a person by the name of XXXX XXXX with Resurgent Capital Services stating they received the complaint and is willing to accept my settlement offer of {$5000.00}. I said I will call back later that day to discuss further about details and about payment methods. Later in the day after XXXX tries I was able to get ahold of XXXX and discuss details and address my concerns, XXXX being if I pay the {$5000.00} will I owe any more money or fees to them regarding this debt and any fees associated with the Repossession of my vehicle to the repossession company. She assured me that once the debt was paid I would no longer owe any money regarding this debt and my vehicle would be released. So I would not owe any money to the repossession company because how Resurgent Capital Services have it structured with the repossession company is, Resurgent Capital Services Pays the fees out of there pocket which is why I didn't get the XXXX hour Notice of XXXX because the Repossession Company sends that letter to them. Next concern I had was title to car, would I receive that once payment was made. XXXX assured me that they would XXXX told me the quickest was would be to go pick it up @ an auction facility called XXXX in XXXX but that they can arrange the car to be delivered to me but that would take XXXX days to be delivered. I told her that delivery is fine because I had no way to get to XXXX. The last thing were my belongings. I never received an Itemized list of my belongings. XXXX stated that she believes the repo Company never Got access to inside the car and I said then how did they tow it, she stated they have special dolly 's that they use for cars they have no access to. That XXXX has my belongings after rekeying the car.
Now I am Asking XXXX for Documentation showing all that I am stating and she says she can Fax over the Settlement letter if I have a fax # or she can mail it to me but that will take some time. I said I think I have a fax # but have to double check and I would get back to her we agreed and realized they are about to close so I would take care of it in the following morning XX/XX/2023. In the morning of XX/XX/2023 I called Resurgent Capital Services to Give the fax # and XXXX told me that they are going to overnight ship the settlement offer but they would fax the document as well I said great I will wait to receive the settlement offer to go over before payment is made which is what I did.
I waited for the fax that day which I did not receive which was not that big of a deal since they were shipping the settlement offer overnight and i would just have to wait til XX/XX/2023 to receive it and have to wait til Monday XX/XX/2023 to resolve.
XX/XX/2023 I received the settlement letter and to me was very vague and not detailed and kind of confusing. Nothing in the letter states the word settlement as they described it to me over the phone. It just states that the Account is being serviced by Resurgent Capital Services. LVNV Funding LLC is the current holder of the lien on the vehicle, has agreed to release the lien for less than the current outstanding balance. By Paying {$5000.00}, LVNV Funding LLC will consider the Lien satisfied and execute any documents necessary to affect its release. All Payment will be applied toward my account balance at time of set up of {$23000.00}.
That doesn't sounds like they are taking a settlement but putting it towards balanced owed. Sounds very conflicting in the letter. So I called Resurgent XXXX XXXX to discuss this on XX/XX/2023 I spoke to a person by the name of XXXX XXXX and addressed my concerns. She told me that is how they send all their settlement offers, Its Generic. I also addresses that how do I know once I make payment they just take payment and i have to resolve all issues myself. I was assured that they would honor what we discussed previously which once payment was made, I they would release title and mail it to me, they would have my car delivered to me, I would no longer owe any money toward this debt and the debt would be satisfied. and i would receive all my belongings but would follow up where my belongings are and let me know once I call back with payment.
So I am writing this as documentation stating all my concerns before I make payment because I did not get any of this in writing. only verbal. My trust with them has been lost due to how they handle this whole situation which is what made me file a complaint in the first place.
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| 12/19/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This complaint is based on violations of the FCRA, the FDCPA and the Massachusetts Consumer Protection Act ( hereinafter the MCA ), which includes 940 CMR sec. 7 and MGL Chapter 93A sec. 2, by XXXX XXXX ( XXXX ).
___ On XX/XX/2018, I reviewed my credit reports and saw a collection account reported by XXXX XXXX claiming they purchased a debt from XXXX XXXX XXXX. I was never aware of this account and had no opportunity to dispute the debt prior to this period.
___ On XX/XX/2018, I mailed to XXXX a demand letter pursuant to M.G.L. Chapter 93A and a request for validation of debt. I requested all of the required materials under Mass. law 940 CMR 7.08 ( 2 ) and 209 CMR 18.18 ( 3 ). These materials include ( a ) all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected, and ( b ) a complete transaction history which reflects the date and amount of payments, balances, and charges concerning the debt. My letter also included the very same form letter provided on the website of the CFPB for consumers to request validation of an alleged debt.
___ On XX/XX/2018, XXXX received my letter via certified mail.
___ At no time did XXXX validate the debt by providing the required materials under Massachusetts law, nor did they provide the answers and documents as prescribed by the form letter issued from the website of the CFPB.
___ On XX/XX/2018, I disputed the account thru the credit reporting agencies. My dispute included that ( a ) I had no knowledge of the account and ( b ) that XXXX failed to validate the debt as required by [ Massachusetts law ] and the Consumer Financial Protection Bureau.
___ Between the dates of XX/XX/XXXX and XX/XX/2018, I received the results of the investigations from the credit reporting agencies, where XXXX had falsely verified the account, despite their failure to validate the debt as required by Massachusetts law and the FDCPA.
___ XXXX failure to validate the debt as required by state and federal law can only be construed that they do not possess the required materials to support its claims that they are owed this debt, including the accuracy thereof.
___ In a recent decision against another debt buyer that verified information to a credit reporting agency without records to rely upon and where a consumer contested its ownership of, the court ruled as follows : [ a ] reasonable jury could find that the documentation reviewed was insufficient to prove that the [ two accounts ] belonged to [ plaintiff ] and that [ the buyer ] therefore had a duty to report the account as can not be verified. A jury could also find that because [ the buyer ] retained the right to seek account-level documentation through its agreements with [ the sellers ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX al XXXX. XXXX ( XXXX. XXXX XXXX ) ___Based on the aforementioned facts ( and supported by the attached letter to XXXX ), XXXX conduct includes the following : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they failed to cease collection of a debt that was timely disputed but not validated in that they verified a debt thru the credit reporting agencies.
___ ( b ) Violation of the FDCPA 15 USC 1692 ( e ) in that they have taken action that can not legally be taken.
___ ( c ) Violation of the FDCPA 15 USC 1692e ( 10 ) in that they employed false or deceptive means to collect a debt.
___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.
___ ( e ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies.
___ ( f ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( B ) in that they failed to review all relevant information provided in my dispute to the credit reporting agencies.
___ ( g ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information to the credit reporting agencies.
___ ( h ) Violation of 940 CMR 7.08 ( 2 ) and MGL c.93A, 2 for continuing collection activity while failing to provide all of the required materials that would validate the debt under Massachusetts law.
___ ( i ) Violation of 940 CMR 7.07 ( 8 ) and MGL c.93A, 2 in that they engaged in false, deceptive, or misleading representation, communication, or means in connection with the collection of a debt.
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| 11/28/2017 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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XXXX XXXX, XXXX and XXXX XXXX, XXXX and sent several letters to collection agency disputing the alleged amount. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX is obvious a collection who not following the law. Below are the facts in this matter.Please foreword my complaint to all three credit bureau removing this frivolous information.
Office of Management and Budget 1320.6 this section, and will consider whether the burden of the collection of information is justified by its practical utility. In addition : ( 1 ) OMB will consider necessary any collection of information specifically mandated by statute or court order, but will independently assess any collection of information to the extent that the agency exercises discretion in its implementation ; and ( 2 ) OMB will consider necessary any collection of information specifically required by an agency rule approved or not acted upon by OMB under 1320.11 or 1320.12, but will independently assess any such collection of information to the extent that it deviates from the specifications of the rule.
( f ) Except as provided in XXXX320.15, to the extent that OMB determines that all or any portion of a collection of information is unnecessary, for any reason, the agency shall not engage in such collection or portion thereof. OMB will reconsider its disapproval of a collection of information upon the request of the agency head or Senior Official only if the sponsoring agency is able to provide significant new or additional information relevant to the original decision.
( g ) An agency may not make a substantive or material modification to a collection of information after such collection of information has been approved by OMB, unless the modification has been submitted to OMB for review and approval under this Part.
( h ) An agency should consult with OMB before using currently approved forms or other collections of information after the expiration date printed thereon ( in those cases where the actual form being used contains an expiration date that would expire before the end of the use of the form ).
1320.6 Public protection.
( a ) Notwithstanding any other provision of law, no person shall be subject to any penalty for failing to comply with a collection of information that is subject to the requirements of this part if : ( 1 ) The collection of information does not display, in accordance with 1320.3 ( f ) and 1320.5 ( b ) ( 1 ), a currently valid OMB control number assigned by the Director in accordance with the Act ; or ( 2 ) The agency fails to inform the potential person who is to respond to the collection of information, in accordance with 1320.5 ( b ) ( 2 ), that such person is not required to respond to the collection of information unless it displays a currently valid OMB control number.
( b ) The protection provided by paragraph ( a ) of this section may be raised in the form of a complete defense, bar, or otherwise to the imposition of such penalty at any time during the agency administrative process in which such penalty may be imposed or in any judicial action applicable thereto.
( c ) Whenever an agency has imposed a collection of information as a means for proving or satisfying a condition for the receipt of a benefit or the avoidance of a penalty, and the collection of information does not display a currently valid OMB control number or inform the potential persons who are to respond to the collection of information, as prescribed in 1320.5 ( b ), the agency shall not treat a persons failure to comply, in and of itself, as grounds for withholding the benefit or imposing the penalty. The agency shall instead permit respondents to prove or satisfy the legal conditions in any other reasonable manner.
( 1 ) If OMB disapproves the whole of such a collection of information ( and .the disapproval is not overridden under 1320.15 ), the agency shall grant the benefit to ( or not impose the penalty on ) otherwise qualified persons without requesting further proof concerning the condition.
( 2 ) If OMB instructs an agency to make a substantive or material change to such a collection of information ( and the instruction is not overridden under 1320.15 ), the agency shall permit respondents to prove or satisfy the condition by complying with the collection of information as so changed.
( d ) Whenever a member of the public is protected from imposition of a penalty under this section for failure to comply with a collection of information, such penalty may not be imposed by an agency directly, by an agency through judicial process, or by any other person through administrative or judicial process.
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| 07/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TO : LVNV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XX/XX/2019 Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim you can legally report the status of this account I dont even owe on under the account tab, when you are a DEBT BUYER THIRD PARTY and I am under no obligation to pay or respond to a company that I have never entered into any financial agreement with. This is a formal notice that your erroneous claimS are now disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
Please provide me with the following : 1. PROOF OF PAYMENT AGREEMENT I MADE WITH LVNV NOT THE XXXX XXXX XXXX which I have no knowledge of anyways. I want a wet ink signature between myself and your company LVN proving I owe YOU this or any debt you have in my name.
2. Explain why a debt buyer/third party collections company has the right to report a collections account under the accounts tab on my credit report and not the collections tab?
3. Prove how you are listed as the owner of this erroneous account yet XXXX XXXX is listed as the name of the account on my credit reports 4. What the money you say I owe is for?
5. Explain and show me how you calculated what you say I owe?
6. Provide me with copies of any papers that show I agreed to pay what you say I owe : 7. Provide a verification or copy of any judgment if applicable : 8. Identify the original creditor : 9. Prove the statute of Limitations has not expired on this account 10. Show me that you are licensed to collect in my state 11. Provide me with you license numbers and Registered Agent 12. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you 13. Provide Me The names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof TO ME.
14. Provide the documented proof that you ever gave me notice of the charge off per FCRA LAW 623 ( A ) ( 4 ), 15. Provide the actual charge off date and as stated you must in FCRA LAW 623 ( A ) ( 5 ) A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action 16. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completenesss of the information is hereby requested.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature?
Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.
I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
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| 12/01/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My Car Was repossessed on XX/XX/XXXX. I find out it was repossessed by a debt buyer ( LVNV Funding LLC ) who bought the debt last year. I contacted the debt collection agency handling the account ( XXXX XXXX XXXX ) on XX/XX/XXXX to see was going on. They proceeded to tell me that they bought the debt and that I needed to pay the full balance of XXXX to obtain my car and that was owed. I never received a letter saying they bought the debt. I never received a letter saying I defaulted on a payment from them which a payment plan was never established, didn't give me an option to reinstate, just that I needed to pay the full balance to obtain my car or else they will sell.
On XX/XX/XXXX, I received a letter from them which had my name and address on the envelope but the contents on the inside which was an XXXX XXXX XXXX XXXX XXXX XXXX was someone else ( " XXXX '' for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ). None of my information was present inside the envelope. When I contacted them on XX/XX/XXXX to tell them about what they have done they acted like it wasn't a big deal and that they would send me another notice and I would have XXXX days after that to retrieve my vehicle or they would sell it. I explained to them about what I understood the law to be and they have to follow certain rules and they brushed it off like they were following the law. I let them know that by law I was supposed to receive a XXXX XXXX XXXX XXXX XXXX ) stating how to retrieve my vehicle, impound fees, and itemized list of my personal belongings in the car which I still have not received.
On that phone call, I requested for all of the information including contracts from original creditor that they received when they purchased the debt. They will let someone know that I was requesting that and see what they can do. On XX/XX/XXXX I received an envelope containing various letters XXXX which was the wrong information again ( " XXXX '' for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ) another letter dated XX/XX/XXXX that is a notice that states that LVNV Funding LLC purchased the debt XX/XX/XXXX and will be serviced by Resurgent Capital Services L.P. Another Notice dated XX/XX/XXXX that was a XXXX XXXX XXXX XXXX XXXX XXXX that states the amount I am defaulted on is XXXX and that amount is due from XXXX days of the date of the notice, or my car can be repossessed. Remember my car was repossessed XX/XX/XXXX and they are barely sending me this notice that my car can be repossessed if I don't pay the defaulted amount. Again, we Never established a payment plan or payment option because I never received any letters from them.
Another letter contained in the envelope was dated you guessed it XX/XX/XXXX which was the XXXX XXXX XXXX XXXX XXXX XXXX that they have my vehicle because I broke promises in my agreement ( No Agreement Was Established ) and that they will sell vehicle in a ( Private Sale ) sometime after XX/XX/XXXX and remember I received the envelope XX/XX/XXXX. The letter was dated XX/XX/XXXX and the postage date was XX/XX/XXXX ( I believe done purposely to pass time so they can sell and not give me many options ).
Another letter contain in the Envelope was information containing information about the original creditor stating that my account from XXXX XXXX XXXX XXXX ending in XXXX as of XX/XX/XXXX I owed XXXX and between XX/XX/XXXX and today I was charged amount in interest XXXX. I was charged amount in fees XXXX. it also states I paid or I was credited this amount towards the debt XXXX and total amount of debt is now XXXX.
they sent me a list of my payments and what the final payment that was charged off which was XXXX which is different from which they say I owe. They did not send me the original contracts I requested and all other information they received on the file when they bought the debt ( I feel done purposely to deny me my rights ).
Its car was repossessed on XX/XX/XXXX and today its XX/XX/XXXX, I have still yet to receive a XXXX XXXX XXXX from the repossession company with itemized list of my belongings. there is no information on XXXX where the repossession company is located and the debt collection company have not been abiding by the laws ( in my opinion ) and violating my rights. I tried to settle with them over the phone to accept a lower amount and they stuck to the XXXX ( even though they bought the debt for much less ) They did not give me an option to reinstate. They did not give me the full information I requested ( just selective information they chose ). I would like a full investigation into their shady practices and tactics.
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| 12/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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reporting the account XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX, Balance : {$650.00} ) incorrectly. I am not familiar with the original creditor XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX, I dont know who XX/XX/XXXX is, I do not have a contract with them. I request XX/XX/XXXX to send me the actual application or the signed contract that was filled out when the account was opened or its needs to be removed immediately because this is not reported accurately. XXXX XXXX XXXX has responded with a frivolous verification of bill, reflecting invalid name XXXX XXXX XXXX XXXX, incorrect address XXXX XXXX XXXX XXXX XXXX Co XXXX.I dont recall having such Balance amount as the one of {$650.00} or {$590.00} with XX/XX/XXXX XXXX XXXX XXXX that this agency is reporting. They have not validated this debt upon request. I dispute this entire account due to these inaccuracies, its invalid, negative, obsolete incorrect and unduly and I WANT THIS ACCOUNT TO BE REMOVED IMMEDIATELY.
The account LVNV FUNDING LLC ( Date Opened : XX/XX/XXXX, Balance : {$660.00} ) is reported incorrectly as well. I do not know about the company presented in this account. I recall this original creditor 12 XX/XX/XXXX XXXX XX/XX/XXXX being closed NOT BEING ABLE TO VALIDATE THIS ACCONT BELONG TO ME. I also do not agree with the Balance of {$660.00}. LVNV FUNDING LLC is saying I'm responsible for, they has responded with a frivolous verification of bill, reflecting invalid name XXXX XXXX XXXX XXXX, incorrect address XXXX XXXX XXXX XXXX XXXX Co XXXX, I do not have a contract with this agency. They have not validated this debt Upon request, Due to that, I dispute this account and I request it be removed, this agency has not sent me the actual application or the signed contract that was filled out when the account was opened, its needs to be removed immediately because this is not reported accurately. I dispute this entire account due to these inaccuracies, its invalid, negative, obsolete incorrect and unduly and I WANT THIS ACCOUNT TO BE REMOVED IMMEDIATELY.
You provided incorrect statements for the account LVNV FUNDING LLC ( Date Opened : XXXX. XXXX, XXXX, Balance : {$390.00} ). I dont recognize the original creditor 12 XX/XX/XXXXXXXX XXXXXX/XX/XXXX and I am not aware of the agency stated by you. I do not agree with the Balance of {$390.00}. I dont have a contract with this agency. LVNV FUNDING LLC has responded with a frivolous verification of bill, reflecting invalid name XXXX XXXX XXXX XXXX, incorrect address XXXX XXXX XXXX XXXX XXXX Co XXXX, They have not validated this debt upon request. Consequently, I dispute the account and I ask for it to be removed immediately, this agency has not sent me the actual application or the signed contract that was filled out when the account was opened. its needs to be removed immediately because this is not reported accurately. I dispute this entire account due to these inaccuracies, its invalid, negative, obsolete incorrect and unduly and I WANT THIS ACCOUNT TO BE REMOVED IMMEDIATELY.
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
1. NO proof has been shown from XXXX XXXX XXXX and LVNV FUNDING LLC in writing, has not provided full payment history including fees being added to debt and or how they calculated their fees. Only frivolous bills statements in a name closely that resembles my legal name, and address that I havent resided at. Under the FDCPA, I have the right to request that they prove I am indeed the party who is contractually obligated to pay off this debt.
2. has not attach agreements with client that authorizes them to collect on this alleged debt. Has not provided agreement that bears signature of the alleged debtor where he promises to pay the original creditor, complete payment history on these accounts to prove that the amount you wish to collect is accurate.
3. these agencies listed above have violated the FDCPA. Should not report any negative entry to Credit reporting Agencies and have not validated this debt and proved it belongs to me.
validation of debt request were sent out XX/XX/XXXX and these agencies did not validate with any proof, and are continuing to report on my credit.
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| 11/13/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is different account.I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX XXXX ( XXXX XXXX /XXXX ) ACCT # XXXX. I pull my credit report for 1st time on XX/XX/XXXX not nothing that this collection was on my credit report. I found out I have a right as consumer because I didnt even know that this was on my credit report. So, I found a letter that I can use to dispute this collection on the website of FTC. So, I sent them a letter of validation which I mailed certified on XX/XX/XXXX ( I have attached the letter I sent them ). They received it on XX/XX/XXXX and respond back with a letter on XXXX of verification I didn't ask for verification I ask for " VALIDATION '' .THE LETTER THEY SENT DOESN'T EVEN SHOW THE CORRECT ACCOUNT NUMBER. They are using Reference # XXXX Acct # XXXX. I not only wrote them to give me 'VALIDATION '' but the 3 credit bureaus who are breaking laws of the FCRA . I have right to dispute as consumer because what they are reporting showing all kind of different dates and amounts with 3 credit bureaus is harming me financially. The last time they say I made a payment doesn't match anything on my credit reports. ( 1 ) The FCRA which I saw on the FTC and CFPB website says that if my information is being reported inaccurately. This is defamation, financial injury stating the case : US Court of Appeals Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. The result if file in court damage incurred by the wrong parties as deemed by the court. I have told the 3 bureaus that LVNV FUNDING LLC is reporting these things like how much I owe and when was the last payment incorrectly. 2 ) LVNV FUNDING LLC : They are also in violation failing to report a disputed debt to the credit bureaus. Protection under the FDCPA SECTION 807 ( 8 ) FINE XXXX I have a copy of my credit report on XX/XX/XXXX and on XX/XX/XXXX showing they didn't follow the law.. 3 ) If collection Agency doesnt validate a debt and continually to pursue collection activity. The consumer protection afforded by the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. XXXX {$1000.00}. The Credit Bureaus are also continually refusing to correct information after I have proved them proof of inaccuracies. Which is defamation, willfully injury. FCRA Section 623 CUSHMAN V. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F. 3d XXXX, XX/XX/XXXX, Filed ( XXXX XXXX ) This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. Please delete this items from my report immediately.. These accounts have hurt my ability to obtain credit
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| 12/25/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As filed before on this Fraudulent account : on file # XXXX, XXXX this new filing is based on the XX/XX/XXXX Resurgent Capital Services L.P. mailed me two letters one states that they manage this account for XXXX XXXX XXXX XXXX . Who I have reported before asway- this same XXXX XXXX Fraudulent account has been disputed 30 some time going back to XX/XX/XXXX- theses Collection companies continue to call and send fake documents with info that Violates my privacy and Illegally using my credit background in attempt to receive monies not owed by me at any point in time. I have forward all theses Collection companies including the two within this complaint. to Multiple governmental legal Agencies within in the states they do Business and carry licenses in- plus all Federal agencies that deal with Regulatory compliance and fraud investigations. Let this be notes that Resurgent Capital Services L.P. & XXXX XXXX XXXX XXXX Cease and desist all contact- of any and all types will not be permitted. Legal action will be taken : added info on this dispute and past dispute of this same Fraudulent account : XXXX XXXX Please note that XXXX XXXX XXXX responses are : Strictly Confidential - Proprietary Company Information - Not Subject to Disclosure. I have not signed any agreement to your disclosure. and will be forwarding your letter to the Appropriate agencies The account reflects an open date of XX/XX/XXXX and the last payment date is XX/XX/XXXX. The account was charged off on XX/XX/XXXX. Please note the expiration of the statute of limitations does not halt a debt collectors ability to legally collect a debt. It merely prevents the debt collector from initiating a lawsuit on the debt. As such it is permissible for a debt collector to contact you regarding a debt that is beyond the statute of limitations. Harassing and stalking : Stalking is unwanted or repeated surveillance by an individual or group towards another person. Stalking behaviors are interrelated to harassment and intimidation and may include following the victim in person or monitoring them. The term stalking is used with some differing definitions in psychiatry and psychology, as well as in some legal jurisdictions as a term for a criminal offense. Harassing and stalking Of a alleged debt by phone calls with a Left message or without any message and Mailings and other-beyond the statute of limitations is Illegal Our office was not aware of your dispute until receipt of your complaint via the Bureau of Consumer Financial Protection. We have sent your complaint to the Current Creditor for their review, and the account has been closed in our office. This same dispute goes to your client " Current Creditor '' whom is not the XXXX XXXX and all other Attached please find our response, file name XXXX, XXXX. Please note that XXXX XXXX XXXX responses are : Strictly Confidential - Proprietary Company Information - Not Subject to Disclosure.
This account was sold to this Collection company XXXX XXXX XXXX XXXX By XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX- as this have been order to not to contact me Every again : This is how fraudulent this account is the they say the Original Account # is XXXX and XXXX XXXX XXXX XXXX Ref # XXXX- I will be also be referring this to the FBI and the Bar Association from every state that I have recv-called from and Mail- fair resolution to this issue is for CFPB is to file an Fed Investigation in to XXXX XXXX XXXX XXXX c Fines to be send for every fraudulent reporting on my personal credit report.
This co. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX now issuing CA based unknown phone # XXXX call many times would not levee a Mesg I called this # back and finely got some one and they said that they could not give me any info without my SSN and PHONE # I told them they just called me and why are you calling they refused : this co is XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have reported them many time over the last 3 years We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to identify questionable business practices that may lead to investigations and prosecutions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX corporate headquarters is XXXX XXXX XXXX, XXXX XXXX, New York XXXX XXXX
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| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You LVNV FUNDING LLC You have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged XXXX immediately or I will escalate this matter to taking legal action.
I have not given you written permission to put anything on my credit profile XXXX XXXX XXXX.
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST LVNV FUNDING LLC XXXX XXXX XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility XXXX : correct in all details ; exact.
XXXX : a law or regulation forbidding something XXXX XXXX XXXX XXXX Says you LVNV FUNDING LLC XXXX XXXX furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX Code XXXX ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the XXXX XXXX XXXX XXXX XXXX of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my XXXX report.
YOU HAVE XXXX Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX o and XXXX XXXX XXXX.
DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
Account name Acct # Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act XXXX XXXX XXXX violations Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ] Thank you,
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| 06/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Resurgent Capital Services/LVNV Funding is in violation of Truth in Lending as well as Fair Debt Collection Practices Act laws.
Resurgent Capital Services/LVNV Funding sent me a letter on XX/XX/2021 stating that they have " acquired an account in which I am the alleged account holder. '' The letter stated that they are a debt collector but not attempting to collect a debt at that time. I have no contract or agreement with Resurgent Capital Services/LVNV Funding.
On XX/XX/2021, I sent Resurgent Capital Services/LVNV Funding a packet with an Affidavit of Truth, Invoice, Debt Validation Form, Cease and Desist as well as 6 Exhibits labeled Exhibit A-Exhibit F with documented evidence/proof that Resurgent Capital Services/LVNV Funding is in violation of Federal laws in regards to me as a consumer as well as violating my natural person. My letter was signed and notarized under penalty of perjury.
On XX/XX/2021, Resurgent Capital Services/LVNV Funding sent me an envelope that was not even sealed whereas anyone could have read the contents inside. In this packet was a paper listing me as the account holder, the original creditor as XXXX XXXX XXXX with a balance of {$4700.00}. They also sent me a loan agreement with my name typed at the top and with XXXX XXXX XXXX XXXX XXXX Loan Agreement and Promissory note typed underneath.
This loan agreement and promissory note is in itself questionable as anyone can type a name on anything and say they owe it. Secondly, this still shows no documented proof of any contract between my person and Resurgent Capital Services/LVNV Funding. Resurgent Capital Services/LVNV Funding is acting on the presumption that some relationship that they may have with XXXX XXXX XXXX XXXX is in some way related to me. I confirm that I am not a party to this implied relationship Resurgent Capital Services/LVNV Funding has with XXXX XXXX XXXX XXXX either directly, indirectly, neither by any means of tacit consent.
Resurgent Capital Services/LVNV Funding is in violation of 15 USC 1692e ( 2 ) ( A ). This is evidenced in Exhibit A of the packet.
Resurgent Capital Services/LVNV Funding is in violation of 15 USC 1692g ( c ) as I have never admitted liability to any debt with any of these companies. This is evidenced in Exhibit B as Resurgent Capital Services/LVNV Funding has not and can not prove that the alleged debt even belongs to me.
Resurgent Capital Services/LVNV Funding is in violation of 15 USC 1692 ( g ) ( 5 ) in which they are saying XXXX XXXX XXXX is the original creditor. What is the proof that you have that this is accurate verifiable information that you can show me. A copy of a statement or agreement ( especially an unsigned agreement ) is not verifiable or validated proof. Furthermore, how did Resurgent Capital Services/LVNV Funding acquire this contract since Resurgent Capital Services/LVNV Funding is a 3rd party? A privacy breach may be another violation as the alleged consumer has not given any consent to any 3rd parties of alleged debt.
In Resurgent Capital Services/LVNV Funding 's letter dated XX/XX/2021, it clearly stats that " this is an attempt to collect a debt and that this communication is from a debt collector. '' Pursuant to 15 USC 1692j, Resurgent Capital Services/LVNV Funding unlawfully furnished forms to make me think I owe an alleged debt and this is inviolation of federal law.
Pursuant to 15 USC 1611 ( 3 ), Resurgent Capital Services/LVNV Funding is CRIMINALLY liable for knowingly and willfully reporting fraudulent and invalidated information to the credit bureaus. It is very evident that there is no contractual agreement between my person and Resurgent Capital Services/LVNV Funding.
Resurgent Capital Services/LVNV Funding is also civilly liable for the mental anguish and stress they have imposed on my person and natural person pursuant to 15 USC 1640 ( a ) ( 1 ).
The Affidavit of Truth that was mailed on XX/XX/2021 was not responded to at all. An unrebutted Affidavit of Truth point by point, signed XXXX preferably y CEO/CFO of Resurgent Capital Services/LVNV Funding and notarized under penalty of perjury is considered admission of guilt and Truth in Commerce.
Additionally, I asked for the debt validation form included in packet on pages 6-7 to be returned back to me within 30 days completely filled out and signed. I have not received this either.
The packet mailed to Resurgent Capital Services on XX/XX/2021 is attached to this CFPB complaint for reference.
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| 04/16/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My Social Security Number has been stolen. The crime is going on.
Between XX/XX/XXXX and XX/XX/XXXX I found I have some new credit cards unexpected in XXXX, my bank, but I did not request to open any new credit accounts at all and I did not receive any notice and new cards from XXXX at all.
I was not aware of crime, I thought this is just banks mistake, or worse, my credit card information has been stolen. So I requested bank to cancel them. The accounts were cancelled finally, but crime already accomplished.
Theft bought some goods valued {$1900.00} under credit account XXXX. I reported to XXXX and report to XXXX XXXX, XXXX. XXXX cancelled this account upon my request. I did not know if police did something for me. But theft is smart, soon after, theft opened another credit account XXXX, and transferred the balance to this new account. I found the new account and requested bank to cancel this account. Serial new accounts so annoyed me that I requested XXXX to cancel all credit accounts, and I would not use credit card anymore. Since then, I have not had any credit cards.
The smart theft changed his/ her address to XXXX XXXX XXXX, XXXX XXXX NY XXXX which I never lived at. Unfortunately, I was not aware of it. I have never lived at XXXX XXXX XXXX, XXXX, NY XXXX. My tax return record and other letters can prove that it has not been my address. I believe that XXXX XXXX XXXX, XXXX, NY XXXX is the thefts address in XX/XX/XXXXor even now. I think it is the key point of my case.
However, the bill still showed up on my bank statement, because the theft changed address, but did not change the bank. The theft knows that his/her crime could not keep going on because I can cancel the new accounts the theft creates in XXXX again and again.
This time, the theft changed the bank to XXXX XXXX which I never knew. The theft succeeded. Now the crime can be going on. Late month, the attorney in law of XXXX XXXX XXXX sent me a list that indicates I owed them as much as {$7800.00} because I purchased a lot of ladys goods at a store called XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, the bill address is still XXXX XXXX XXXX, XXXX, NY XXXX. I am facing the court. The case number of court is XXXX, XXXX, XXXX.
I requested my credit report via internet. The report told me what happened. Dear Sir or Madam, tell me how to explain to the court about case XXXX, XXXX, XXXX.
Why did the theft open a credit account in bank so easily? Who should be responsible for my case?
If XXXX and XXXX XXXX have confirmed the original Social Security Card, original passport, original nationality paper, original ID and original address proof when the theft requested to open credit accounts, my disaster surely would not have occurred. Why the bank clerks so neglect? The bank clerk may be under the great pressure from bank management in order to suck in more and more credit cardholder. So, the necessary procedure may be ignored. Or worse, some banks may sell off clients information to get some benefits.
But my story does not end. The theft can use my Social Security Number to create accounts in other banks, even in banks overseas. How can I terminate my nightmare?
XX/XX/XXXX, I reported to XXXX XXXX, XXXX, the Officer XXXX XXXX ( phone : XXXX ) took the record. He called XXXX XXXX, the jurisdiction the theft address XXXX XXXX XXXX, XXXX, NY XXXX belongs to. I heard that, XXXX XXXX know something about it. But they need full account number the thief created in XXXX XXXX XXXX in order to identify this thief. Officer XXXX XXXX wrote down on the paper : Need full XXXX XXXX XXXX account number to make police report Please see this attachment.
If police catch this theft, my case will be clear. My nightmare will go end.
However, will XXXX XXXX XXXX tell me this account number? I do not have such an authority, but you have. Dear Sir or Madam, can I ask you to get this full account number with last four digits XXXX ( the rest part is blacked out ) and with address XXXX XXXX XXXX, XXXX, NY XXXX in XX/XX/XXXX and tell me, please? If you do not want to tell me, you can tell the police officer of XXXX XXXX above. And please have both XXXX XXXX and XXXX find out this theft based on their information around XX/XX/XXXX.
The records I reviewed are enclosed.
Thank you very much!
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX.
NY XXXX ( XXXX ) XXXX ( Home ) XXXX XXXX
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| 02/15/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an email from my credit monitoring service. I saw that my credit score had dropped a tremendous amount of points. I found that LVNV FUNDING had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$27000.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package because it was never sent. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of me maintaining a healthy credit profile. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. LVNV Funding LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX or call toll-free : XXXX.
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| 03/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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LVNV Funding is reporting excessive incomplete, inaccurate, and false information on my credit report on the account the claim was opened on or about XX/XX/XXXX such as the following : 1. ) I received a letter from LVNV Funding dated XXXX XX/XX/XXXX that states that my last payment to the original creditor was XXXX XX/XX/XXXX. The date of last payment the is being reported from them does not say reflect that date.
2. ) LVNV Funding is reporting a false payment history to XXXX. Company reports that I paid them every month from XXXX - XXXX of XXXX, then states that I was 120 days late on XX/XX/XXXX, and then reports that I paid them on XX/XX/XXXX. All of this is false, incomplete, and unverifiable. I have never paid this company anything nor do I have any sort of payment arrangement with them. Company also clearly states in the letter received from them that " No payment has been received '' but they are reporting that the received a payment from me in XXXX of XXXX.
3. ) LVNV Funding is reporting to XXXX that my date of last activity is XXXX XX/XX/XXXX, says my last payment was XXXX XX/XX/XXXX, but sent me a letter saying my last payment was XXXX XX/XX/XXXX. This date of last activity is inconsistent and does not reflect the paperwork they sent me.
4. ) Why is LVNV Funding reporting my account status as 120 days late on a collection account to XXXX 5. ) There should be no past due reporting on a collection account especially since I have not agreed to any payment arrangements with this company.
6. ) This company is reporting a false/incomplete payment history to XXXX Why would a collection company be reporting charge offs in my payment history? This company has reported charge offs on my credit report on XXXX, XXXX, and XXXX of XXXX to XXXX.
7. ) How can this company be reporting that an account was opened in XX/XX/XXXX but be reporting activity that was a year prior to the account being opened.
8. ) If this company is reporting to XXXX that my date of last activity was 3 XX/XX/XXXX, then how is is that XXXX says my last activity was on XX/XX/XXXX when the account was supposedly open, and XXXX be reporting that my date of last activity was XX/XX/XXXX A YEAR BEFORE THE ACCOUNT WAS SUPPOSEDLY OPENED? Why are all of these dates so drastically different?
This same company LVNV Funding is also reporting Inaccurate, incomplete, and unverified information on the account reported to have been opened on or about XX/XX/XXXX such as the following : 1. ) Company reports to XXXX a false payment history reporting that I made payments to them on XXXX through XXXX of XXXX. Then reports that I was 120 days late on XX/XX/XXXX and 120 days late on XXXX of XXXX. Then they go on to report that I paid them on XX/XX/XXXX. All of this is inaccurate, unverified, incomplete, and down right false. I have never paid them anything nor have we ever set up any type of payment arrangement.
2. ) Company reports that my payment status is 120 days late to XXXX. How can this be on a collection account?
3. ) LVNV Funding is reporting a past due on this same account. Why would there be a past due on a collection account especially on one that I have no payment arrangement with?
4. ) Company reports to XXXX that my last payment was XXXX XX/XX/XXXX BUT on a letter received from them on XXXX XX/XX/XXXX they state that the last payment was XXXX XX/XX/XXXX. Which on is it? they have also provided no proof or payment history for this.
5. ) This company is reporting a false and incomplete payment history to XXXX. Why would a collection company be reporting charge offs in my payment history? This company has reported charge offs on my credit report in the month of XXXX, XXXX, and XXXX of XXXX to XXXX.
6. ) LVNV Funding is also reporting to XXXX that my date of last activity on this account was XX/XX/XXXX. How can this company be reporting activity that was before the account was opened on XX/XX/XXXX?
7. ) LVNV Funding reports on this account to XXXX that the last activity on the account was XXXX XX/XX/XXXX. Then to XXXX they reported that the last activity was XXXX XXXX XXXX and Lastly to XXXX the date of last activity was reported as being on XXXX XX/XX/XXXX. Why are all these dates so drastically different and why isn't whatever this supposed activity reported to all of the bureaus the same?
|
| 12/15/2023 |
Yes |
- Debt collection
- Other debt
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- Electronic communications
- You told them to stop contacting you, but they keep trying
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Web |
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PURDANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g stating that your claim is disputed, and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-name TITLE and SECTION.
1 respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus, this may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, will not hesitate in bringing legal action against you and your client for the following violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practice Act, and Defamation of Character.
Your offices are to provide the proper documentation as requested in the following declaration. will require at least 30 days to investigate this information, during which time all collection activities must cease and desist. Also, during this validation period, if action is taken which could be considered cetrimental to any of my reports, l will consult my legal counsel for suit. This is including any listing of any information to a credit reporting agency that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, l references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately ... .Pursuant to 15 USC 1692 ( c ) I am notifying you in writing that I refused to pay this alleged debt, and I : demanding that you cease all forms of communication with me through any all mediums.
Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am revoking my specified remedy as a Consumer, natural person I am demanding all the following : XXXX out the balance on this account Deletions from all customer reports Have any judgments been obtained by any creditor regarding this account?
YES or NO Please provide the name and address of bonding agent for LVNV FUNDING, in case legal action becomes necessary : Authorized Signature of Creditor : Date : XX/XX/XXXX You must return this completed form along with copies of all requested information, assignments, other transfer agreements, which would establish your right to collect this alleged debt within 30 di from the dte of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
Please answer the following statements/questions 1. Name and address of alleged creditor.
2. Name on file of alleged debtor.
3. Alleged account #.
4. Address on file for alleged debtor.
5. Alleged account #.
6. Amount of alleged debt.
7. Date ( this alleged debt became payable ) 8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased?
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants LVNV FUNDING the authority to collect this all debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Agreement with your client that grants LVNV FUNDING the authority to collect this allegedly debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor ha contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
|
| 03/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I have several accounts being reported as collections on my credit report with the 3 credit bureaus from LVNV Funding LLC. I do not acknowledge or accept these debts to be mine. I asked for validation and verification of these 3 debts to which I received 1 letter containing a credit card statement which is not acceptable under the FCRA LVNV has placed these 3 debts with several collection agencies. Each time I receive notification from the collection agency I have written to whom ever contacted me with a request for validation and verification of the debt. Instead of a reply the debt is transferred to another collection agency. I have yet to receive any verification or validation except 1 letter with a credit card statement that is not acceptable under the FCRA.
I have tried several times to dispute these collections with all 3 credit reporting agencies Each time I have disputed the credit bureaus respond with the same canned message " the account has been verified by the creditor and meets the FCRA requirements ''. None of the 3 bureaus have provided any proof as to why their continued reporting of alledged debts meets the requirements of the FCRA. They only provide a letter indicating that their reporting meets the requirements no proof. I'm not exactly sure what LVNV Funding LLC is providing to the 3 credit bureaus to verify that they are reporting correct information. They have failed to show anything to me that either validates or verifies that these collection accounts belong to me or anything on how LVNV Funding LLC determined the amounts I allegedly owe. I believe this amounts to nothing more than hear say.
LVNV Funding LLC has a notorious record on the internet of failing to verify or validate accounts as well as other unethical behavior. LVNV Funding LLC has many complaints filed against them with the XXXX, CFPB and the FTC. LVNV also has many lawsuits against them as well.
In accordance with the Fair Credit Reporting Act, I hereby maintain that LVNV Fundling LLC is violating my rights under the FCRA by continuing to report the unvalidated and unverified accounts listed below as collections : 1. ) LVNV Funding LLC Account # XXXX 2. ) LVNV Funding LLC Account # XXXX 3. ) LVNV Funding LLC Account # XXXX LVNV Funding LLC has assigned these debts to several collection agencies. When contacted by a collection agency I send a letter asking for verification or validation of the debt. In one case I did receive a credit card statement. A credit card statement is not considered to be verification or validation under the FCRA. In addition I maintain that I have no contractional relationship whatsoever with LVNV Fundling LLC and that my rights under the FCRA are being further violated by their actions as listed below.
15 U.S.C 1681 section 602A of the FCRA Clearly states I have the right to privacy. My rights under 15 U.S.C. 1681 section 602A are being violated as well as my reputation publically demeaned by LVNV Funding LLC by publically accusing me of owing debts for which they have provided no proof that I owe and reporting them as collections to all 3 credit bureaus as debts that are basically hear say.
I further maintain that LVNV Funding LLC in conjunction with XXXX, XXXX and XXXX XXXX are also violating my rights under the FCRA 15 U.S.C 1681 Section 604A Section 2. This section states a consumer reporting agency can not furnish an account without written instructions from the consumer. I have no contractual obligations with XXXX, XXXX, XXXX XXXX or LVNV Funding LLC. I have also never given XXXX, XXXX, XXXX XXXX or LVNV Funding LLC any written instructions to furnish any account whatsoever to my credit bureau report. Information that under the FCRA requires written consent from the consumer has not been given. I maintain that the information being reported about these 3 accounts is being furnished illegally without my written permission by LVNV Funding LLC a for profit company that pays for the business services of XXXX, XXXX and XXXX XXXX all for profit companies.
I ask that the CFPB reconize that my rights under te FCRA are being violated by LVNV Funding LLC. I ask that the CFPB issue an order to LVNC Funding LLC to cease and desist any and all collections and or reporting of any of these debts listed above immediately.
|
| 11/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) LVNV Funding LLC ( XXXX XXXX XXXX ) ACCT # XXXX. I pull my credit report for 1st time on XX/XX/XXXX not nothing that this collection was on my credit report. I found out I have a right as consumer because I didnt even know that this was on my credit report. So, I found a letter that I can use to dispute this collection on the website of FTC. So, I sent them a letter of validation which I mailed certified on XXXX/XXXX/XXXX ( I have attached the letter I sent them. They received it on XX/XX/XXXX and respond back with a letter on XXXX XXXX of verification I didn't ask for verification I ask for " VALIDATION '' XXXXTHE LETTER THEY SENT DOESN'T EVEN SHOW THE CORRECT ACCOUNT NUMBER. I not only wrote them to give me 'VALIDATION '' but the 3 credit bureaus who are breaking laws of the FCRA XXXX I have right to dispute as consumer because what they are reporting showing all kind of different dates and amounts with 3 credit bureaus is harming me financially. the last time they say I made a payment doesn't match anything on my credit reports. ( 1 ) The FCRA which I saw on the FTC and CFPB website says that if my information is being reported inaccurately. This is defamation, financial injury stating the case : US Court of Appeals Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. I have told the bureaus that LVNV FUNDING is reporting these things incorrectly. 2 ) They are also in violation fail to report a disputed debt to the credit bureaus. Protection under the FCRA SECTION 623 FINE XXXX.. I have a copy of my credit report on XX/XX/XXXX and on XX/XX/XXXX showing they didn't follow the law.. 3 ) If collection Agency doesnt validate a debt and continually to pursue collection activity. The consumer protection afforded by the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. XXXX {$1000.00}. The Credit Bureaus are also continually refusing to correct information after I have proved them proof of inaccuracies. Which is defamation, willfully injury. FCRA Section 623 CUSHMAN V. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F. 3d 220, XX/XX/XXXX, Filed ( D.C. No.95-cv-01743 ) This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. Please delete this items from my report immediately.. These accounts have hurt my ability to obtain credit
|
| 09/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
By certified mail I sent a request to LVNV to validate debts that they have falsely listed on my credit report. The request was received on XX/XX/2019, but LVNV did not respond to the request. This is a violation of my rights of a consumer according to FCRA and these accounts should be removed from my credit reports. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This was my exact request to below.
I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for LVNV in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
|
| 03/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I am filing a complaint over XXXX debt collection cases in which I have been a victim of illegal and predatory debt collection practices perpetrated by the now defunct law firm of XXXX XXXX XXXX XXXX in New Jersey. My cases are # XXXX & XXXX ( XXXX XXXX, NJ ) In XXXX XXXX XXXX & XXXX and two of the firms partners, were named in a consent order ( 2016-CFPB-0009 ) issued by the Consumer Financial Protection Bureau ( CFPB ) to stop churning out unfair and deceptive debt collection lawsuits based on flimsy or nonexistent evidence. The consent orders bar the companies and individuals from illegal practices that can deceive or intimidate consumers, such as filing lawsuits without determining if debts in question are valid. The consent order was issued in conjunction with a stipulation signed by the law firms partners acknowledging their agreement to the facts upon which the consent order was based and issued.
The alleged debts in both of the cases Ive listed here are part of the reorganized law firms alleged continued improper practices, and both cases were filed during a five-year period of compliance monitoring indicated in the consent order, effective the date of the consent order, during which time the law firm was required to produce specific documentation and other filing requirements every time they filed suit, and they did not do so in either of these cases ( see item # 44 on page 18 of the Consent Order ). In both cases, plaintiffs counsel knew that I had moved away, but improperly filed suit in New Jersey, knowing I would not only NOT get served, but I would not likely make an appearance.
I only learned of these matters because the subsequent default judgements were discovered during a Title Search conducted while I was preparing to sell my house in New Jersey. I immediately filed motions to vacate in both cases, arguing improper service and lack of jurisdiction. In one of the cases, plaintiff 's counsel ( the decedent firm of XXXX XXXX XXXX ) filed several motions arguing against my motion to vacate and the presiding judge agreed to oral arguments on the matter. Appearances in this matter were all held remotely, due to COVID, but because I was a pro se defendant ( and despite filing everything electronically ), my notice with instructions for how to log in for the appearance was mailed to me instead of emailed. Because it's just my luck, I was away for a work conference when the notice was mailed and would not be returning until the day AFTER the oral argument. I called in to the Court that morning, and even left a message for the presiding Judge indicating that I never received the instructions for how to join. Nobody in the clerks office seemed to know how I could join. So, of course, they marked me as a no-show, and my motion was denied.
What the Judge didnt know was that I had recently received additional information from a colleague at the law firm where I was working which alerted me to this CFPB consent order and that I was prepared to bring up during these oral arguments as a reason to have the judgement invalidated, because XXXX had very obviously ignored the filing requirements outlined in the consent order, which they were still bound to operate under until XX/XX/2021.
Marked as a no-show for the oral arguments, the judge refused my request for another hearing and would not accept another motion ( or hear my new evidence ) so I was unable to get the judgements vacated. So much for New Jersey 's standard to vacate a judgment giving significant latitude to the Judges to ensure fairness of justice for all parties. Since then, I have escalated both of these matters to appeals within the New Jersey circuit, because the presiding Judge in my cases did not hold XXXX accountable for the requirements they were obligated to fulfill under the CFPB Consent Order, and when brought to his attention, still refused to acknowledge the issue.
Attached, for your convenience, is the amended motion to vacate that I intended to introduce if I could have participated in the oral arguments or if the Judge had just granted my request for a new hearing. It outlines specifically how XXXX violated due process and blatantly ignored the requirements outlined in the CFPB consent order.
|
| 09/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. You claim I owe {$530.00}.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
XXXX XXXX CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor.
2. Name on File of alleged debtor.
3. Alleged account # 4. Address on file for alleged debtor.
5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information
|
| 10/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am giving authorization to this company to respond to this cfpb complaint before I proceed with litigation. As a federally protected consumer, this company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt. They also have reported this information to consumer reporting agencies when I have never engaged in an agreement with this company, nor have I given them written, nonwritten, verbal, nonverbal consent to communicate with me both directly and indirectly pursuant to 12 CFR 1006.6 ( b ) ( 4 ) ( i ) and multiple federal laws pursuant to 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES. Furthermore, they claim that they are attempting to collect a debt from a purchased contract which violates Uniform Commercial Code 3-203 which states that once a contract has been transferred, you cancel all rights to collect. I have a right to privacy pursuant to the privacy act of XX/XX/1974, to be more specific 5 U.S.C 552a, and this company did not get my permission to use my social security number which has caused me monetary damages. I could not purchase a home, a new vehicle or further extend my credit as a result of this pursuit.
The following are federal laws that have been violated in pursuit of this alleged obligation with a brief explanation on how it was violated.
12 CFR 1006.10 and 15 U.S. Code 1692b - Acquisition of location information.
Stating that I owe a debt on consumer report ( s ) and using language that states that the communication relates to the collection of a debt 12 CFR 1006.6 and 15 U.S. Code 1692c - Communications in connection with debt collection.
I have already stated the reason above 12 CFR 1006.14 and 15 U.S. Code 1692d - Harassing, oppressive, or abusive conduct.
The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In connection with the collection of any debt, a debt collector must not communicate or attempt to communicate with a person through a medium of communication if the person has requested that the debt collector not use that medium to communicate with the person.
12 CFR 1006.18 and 15 U.S. Code 1692e - False, deceptive, or misleading representations or means.
The false representation of the amount of the alleged debt. The threat to take any action that can not legally be taken or that is not intended to be taken. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The false representation or implication that accounts have been turned over to innocent purchasers for value.
12 CFR 1006.22 and 15 U.S. Code 1692f - Unfair or unconscionable means.
The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt and I never created an agreement with this company.
12 CFR 1006.34 and 15 U.S. Code 1692g - Notice for validation of debts.
Company did not validate the debt and send the entire purchase agreement to me, the consumer.
15 U.S. Code 1692h - Multiple debts.
Once the debt is disputed, any and all payments shall apply in accordance with the consumers directions and my directions were to send me back my compensation by mail.
12 CFR 1006.26 and 15 U.S. Code 1692i - Legal actions by debt collectors This subchapter prohibits any authorizations from a debt collector to bring forth legal actions.
12 CFR 1006.38 - Disputes and requests for original-creditor information.
UCC 3-203 - TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
I have already stated the reason above.
12 CFR 1022.42 and 12 CFR 1022.43 and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
5 U.S. Code 552a - Records maintained on individuals.
I have the right to keep my financial life private and I have not given this company any authorization to use my social security number.
|
| 10/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am giving authorization to this company to respond to this cfpb complaint before I proceed with litigation. As a federally protected consumer, this company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt. They also have reported this information to consumer reporting agencies when I have never engaged in an agreement with this company, nor have I given them written, nonwritten, verbal, nonverbal consent to communicate with me both directly and indirectly pursuant to 12 CFR 1006.6 ( b ) ( 4 ) ( i ) and multiple federal laws pursuant to 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES. Furthermore, they claim that they are attempting to collect a debt from a purchased contract which violates Uniform Commercial Code 3-203 which states that once a contract has been transferred, you cancel all rights to collect. I have a right to privacy pursuant to the privacy act of 1974, to be more specific 5 U.S.C 552a, and this company did not get my permission to use my social security number which has caused me monetary damages. I could not purchase a home, a new vehicle or further extend my credit as a result of this pursuit.
The following are federal laws that have been violated in pursuit of this alleged obligation with a brief explanation on how it was violated.
12 CFR 1006.10 and 15 U.S. Code 1692b - Acquisition of location information.
Stating that I owe a debt on consumer report ( s ) and using language that states that the communication relates to the collection of a debt 12 CFR 1006.6 and 15 U.S. Code 1692c - Communications in connection with debt collection.
I have already stated the reason above 12 CFR 1006.14 and 15 U.S. Code 1692d - Harassing, oppressive, or abusive conduct.
The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In connection with the collection of any debt, a debt collector must not communicate or attempt to communicate with a person through a medium of communication if the person has requested that the debt collector not use that medium to communicate with the person.
12 CFR 1006.18 and 15 U.S. Code 1692e - False, deceptive, or misleading representations or means.
The false representation of the amount of the alleged debt. The threat to take any action that can not legally be taken or that is not intended to be taken. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The false representation or implication that accounts have been turned over to innocent purchasers for value.
12 CFR 1006.22 and 15 U.S. Code 1692f - Unfair or unconscionable means.
The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt and I never created an agreement with this company.
12 CFR 1006.34 and 15 U.S. Code 1692g - Notice for validation of debts.
Company did not validate the debt and send the entire purchase agreement to me, the consumer.
15 U.S. Code 1692h - Multiple debts.
Once the debt is disputed, any and all payments shall apply in accordance with the consumers directions and my directions were to send me back my compensation by mail.
12 CFR 1006.26 and 15 U.S. Code 1692i - Legal actions by debt collectors This subchapter prohibits any authorizations from a debt collector to bring forth legal actions.
12 CFR 1006.38 - Disputes and requests for original-creditor information.
UCC 3-203 - TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
I have already stated the reason above.
12 CFR 1022.42 and 12 CFR 1022.43 and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
5 U.S. Code 552a - Records maintained on individuals.
I have the right to keep my financial life private and I have not given this company any authorization to use my social security number.
|
| 09/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am giving authorization to this company to respond to this cfpb complaint before I proceed with litigation. As a federally protected consumer, this company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt. They also have reported this information to consumer reporting agencies when I have never engaged in an agreement with this company, nor have I given them written, nonwritten, verbal, nonverbal consent to communicate with me both directly and indirectly pursuant to 12 CFR 1006.6 ( b ) ( 4 ) ( i ) and multiple federal laws pursuant to 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES. Furthermore, they claim that they are attempting to collect a debt from a purchased contract which violates Uniform Commercial Code 3-203 which states that once a contract has been transferred, you cancel all rights to collect. I have a right to privacy pursuant to the privacy act of 1974, to be more specific 5 U.S.C 552a, and this company did not get my permission to use my social security number which has caused me monetary damages. I could not purchase a home, a new vehicle or further extend my credit as a result of this pursuit.
The following are federal laws that have been violated in pursuit of this alleged obligation with a brief explanation on how it was violated.
12 CFR 1006.10 and 15 U.S. Code 1692b - Acquisition of location information.
Stating that I owe a debt on consumer report ( s ) and using language that states that the communication relates to the collection of a debt 12 CFR 1006.6 and 15 U.S. Code 1692c - Communications in connection with debt collection.
I have already stated the reason above 12 CFR 1006.14 and 15 U.S. Code 1692d - Harassing, oppressive, or abusive conduct.
The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In connection with the collection of any debt, a debt collector must not communicate or attempt to communicate with a person through a medium of communication if the person has requested that the debt collector not use that medium to communicate with the person.
12 CFR 1006.18 and 15 U.S. Code 1692e - False, deceptive, or misleading representations or means.
The false representation of the amount of the alleged debt. The threat to take any action that can not legally be taken or that is not intended to be taken. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The false representation or implication that accounts have been turned over to innocent purchasers for value.
12 CFR 1006.22 and 15 U.S. Code 1692f - Unfair or unconscionable means.
The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt and I never created an agreement with this company.
12 CFR 1006.34 and 15 U.S. Code 1692g - Notice for validation of debts.
Company did not validate the debt and send the entire purchase agreement to me, the consumer.
15 U.S. Code 1692h - Multiple debts.
Once the debt is disputed, any and all payments shall apply in accordance with the consumers directions and my directions were to send me back my compensation by mail.
12 CFR 1006.26 and 15 U.S. Code 1692i - Legal actions by debt collectors This subchapter prohibits any authorizations from a debt collector to bring forth legal actions.
12 CFR 1006.38 - Disputes and requests for original-creditor information.
UCC 3-203 - TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
I have already stated the reason above.
12 CFR 1022.42 and 12 CFR 1022.43 and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
5 U.S. Code 552a - Records maintained on individuals.
I have the right to keep my financial life private and I have not given this company any authorization to use my social security number.
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| 03/29/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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RE : Fraudulent account # XXXX. * I am in receipt of a DEBT STATEMENT, dated XX/XX/2022, and am responding accordingly. I choose to respond point for point to what I allege is in fact, an initial invitation to contract with RESURGENT CAPITAL SERVICES/LVNV FUNDING LLC . This company utilized the United States Postal Service in regards to the " payment '' of an alleged debt which is a violation of XXXX XXXX XXXX a ), ( d ), ( XXXX ) This communication is to further informRESURGENT CAPITAL SERVICES/LVNV FUNDING LLC/Principals that I deem you a debt collector, subject to the Fair Debt Collection Practices Act, under 15 U.S.C.1692a ( 2 ), ( 5 ) This CFPB COMPLAINT shall serve as my formal notification that I am in good faith requesting DEBT VALIDATION, not account verification NOR copies of the DEBT STATEMENT. I have noted the following deficiencies in the DEBT STATEMENT. 1. Failure to provide any documentation in regards to but not limited to tradelines, security ; guarantee agreements, tax forms, insurance notes, bonds or any other record that will prove in addition to a written declaration by a live witness with first hand knowledge of the origin of this alleged debt. 1a ) A Financial instrument in the form of a remittance has been officially furnished and delivered to me on the witness account of the United States Postal Services. This fraudulent account has been accruing interest and benefiting another AND not the true beneficiary. Furthermore this dividend has been disguised as an EXTORTION DEMAND in the form of a DEBT STATEMENT, subject to fines and imprisonment pursuant to Title 18 USC, chapter 31 CRIMINAL PENALTIES FOR EXTORTION AND EMBEZZLEMENT. 2. Failure to provide any documentation or proof in the initial communication received, as to who purchased ANY LOANS under ANY note bearing my name and personal identifying information. Therefore, I am disputing the entire balance claimed in the DEBT STATEMENT and further demand that RESURGENT CAPITAL SERVICES/LVNV FUNDING LLC provide me with the following : ( a. ) Proof of all indebtedness, including copies of any alleged loan paperwork in your possession, on which you base your alleged claim of default ; ( b. ) Proof of the entire chain of custody of any promissory note claimed to be collected for, including but not limited to, copies of any guarantee, security agreements, contracts for the alleged debt contained within the initial communication ; ( c. ) A full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other used to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( d. ) If this loan was securitized, along with ANY other loans, please provide the name of the trust and location of its trustee, including the full contact information and telephone number ; ( f. ) Provide the exact location of the purported loan documents, autographed by me with wet ink, and any and all FULL MATERIAL DISCLOSURES of how this DEFAULT LOAN/DEBT came into existence. ( g. ) Provide any and all copies of any and all loan documents, tax forms, balance sheets and any documents in any type of medium such as but not limited to electronic records and tangible forms you have in your possession, bearing my legitimate autograph. Be further advised that I am not limiting or waiving any rights or remedies I XXXX now or hereafter have, whether arising under your purported loan documents at law or in equity, all of which rights and remedies I am expressly reserving. I would also like to request, in writing, since I can not take your telephone calls into court, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to my place of dwelling shown in this letter by the United States Postal Service as a witness.
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| 09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear lvnv funding I am responding to your contact about a debt you are trying to collect. You contacted me by Mail in XXXX of 2021, and identified I owed you can money. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation. Sincerely,
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| 06/25/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This collection agency continues to harass me with phone calls an emails, text messeges and i have asked this compomay to validate the debt but they never do.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX Collection XXXX # XXXX Resurgent Capital Services XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/2022 Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY Resugent the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
o Yes o No Have any Judgements been obtained by any creditor regarding this account?
o Yes o No Please provide me the name and address of the bonding agent for COLLECTION COMPANY Resurgent, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 calendar days for processing after I receive this information.
Thank You.
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| 10/24/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American, Servicemember |
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XX/XX/XXXX : Call received from XXXX XXXX XXXX XXXX ( XXXX ) at XXXX am. Call was blocked.
XX/XX/XXXX : Received Debt Collection Letter from XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX and spoke to a Aide and tried to convince her that it was not my debt ( they had the wrong person ). Aide asked if my birth month was XXXX ( its not ) and I replied that it wasnt even close. XXXX then said they would remove my name from the debt and abruptly hung up. I called back several times to try to confirm that they were indeed going to remove my name from the debt action. I could not get confirmation.
XX/XX/XXXX : I spoke with my attorney at XXXX XXXX, XXXX and he advised me to send a Debt Validation request letter to XXXX XXXX XXXX XXXX. I sent the letter on XX/XX/XXXX to XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MO XXXX and included their Debt Letter Reference # : XXXX. I indicated that I disputed the debt ( returned the response slip provided in the XXXX XXXX XXXX ) and asked for debt validation. The debt is for {$690.00} and the original creditor was XXXX XXXX Bank, XXXX.
XX/XX/XXXX : I received XXXX letters ( dated XX/XX/XXXX ) from Resurgent Capital Services at XXXX XXXX XXXX, XXXX, MI XXXX. The first letter basically said they are looking into my inquiry. The actual text stated : Resurgent Capital Services L.P. manages the above referenced account for LVNV Funding LLC and has initiated a review of the inquiry recently received either directly or from XXXX XXXX XXXX, the current servicer of this account. They included an Account XXXX : XXXX and a Reference ID : XXXX. The second letter basically said they were verifying the debt with the enclosed information. The actual text stated : We have received a recent inquiry regarding the above-referenced account and have enclosed the account summary which provides verification of debt. The enclosed account summary included a credit card statement from late XXXX and was addressed to an individual with the same name as mine, but with a different address than mine. I have lived at my current address since XXXX way before the account initiation of XXXX. Additionally, I always use my middle initial on all formal documents I sign. Bottom line : The debt verification response identified that a debt existed, but not that I am the responsible for the debt. Its unfortunate that the debt verification did not include more specific identifying information such as Date of Birth ( DOB ), individuals Middle Initial, and the last 4 digits of the Social Security Number ( SSN ) of the person they say is responsible for the debt. In fact, based on what they did provide, the information supports my contention that I am not responsible for the debt, because I never lived at the address contained on the credit card statement. So, it appears that Resurgent Capital Services performed an incomplete due diligence of the debt action, or they have additional information they are not providing ( as requested in my XXXX XXXX XXXX ).
XX/XX/XXXX : A letter was sent to Resurgent Capital Services L.P. at XXXX XXXX XXXX, XXXX, South Carolina, XXXX from my attorney at XXXX XXXX XXXX XXXX. again disputing the debt, requesting debt validation and any information they have that indicates whether or not I am responsible for the debt. This letter also enclosed a Name Affidavit, signed by me, that I am not the XXXX XXXX named as the Accountholder of Account Number XXXX. This Name Affidavit was notarized and sent with the letter.
XX/XX/XXXX : My attorney at XXXX XXXX, XXXX. received a letter from Resurgent Capital Services L.P. dated XX/XX/XXXX. This letter again stated the enclosed account summary provided verification of the debt. Unfortunately, the enclosures were virtually identical to the correspondence received from Resurgent Capital Services L.P. that was dated XX/XX/XXXX. Nothing new or definitive was provided.
XX/XX/XXXX : As of this date, I can not tell if Resurgent Capital Services XXXX still believes I am responsible for the debt. Their information provided certainly doesnt demonstrate that fact, and I know that is not my debt.
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| 01/20/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Opened XX/XX/XXXX ( XXXX mos ) LVNV FUNDING LLC- has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. LVNV FUNDING LLC violates 809 Validation of debts, LVNV FUNDING LLC violates 812 Furnishing certain deceptive forms, LVNV FUNDING LLC violates 807 False or misleading representations. LVNV FUNDING LLC HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST XXXX ( XXXX ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT STATUS CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. The consumer has no contract with LVNV FUNDING LLC. The consumer do not consent to contracting with LVNV FUNDING LLC. LVNV FUNDING LLC is requesting unlawful currency in exchange for debt that has already been paid and prepaid since June 5, 1933 via House Joint Resolution 192. The consumer knows that the entire taxing and monetary system has not been placed under the UCC. See [ The Federal Tax Lien Act of 1966 ] " The entire taxing and monetary system are hereby, placed under the UCC. The consumer knows that Federal Reserve notes are not defined as obligations. See 18USC8. The consumer knows that State can not use anything but gold and silver coin in tender and payment of debt. See constitution for the united States 1789 article one section 10. Also see TITLE 28 > PART VI > CHAPTER 176 > SUBCHAPTER A > 3002 Definitions 14 ) State means any of the several States, the District of Columbia, Also seeA state may provide for the collection of taxes in gold and silver only. [ State treasurer v.Wright, 28 Ill. 5091 : [ Whitaker v. Haley. 2 Ore. 128 ] Also seeTaxes, lawfully assessed are collectible by agents in money and notes can not be accepted in payment. Town of Frankfort v. Waldo, 128 ME. 1 ] Also see HAGAR v. RECLAMATION DIST. NO. 108, 111 U.S. 701 1884 ). " Acts of Congress making the notes ( paper ) of the United States a legal tender do not apply to EXACTIONs ( taxes ) made under state law.Federal Reserve Notes are not dollars. XXXX XXXX XXXX, XXXX XXXX XXXX, Department XXXX XXXX Treasury, XX/XX/XXXX. Also seeThe term 'dollars ' likewise is incorrect, which, according to constitutional definition, are monetary units, used in exchange, backed by gold and silver. Our present day XXXX issues are supported by more printed paper of the same ; therefore, they are correctly termed Federal Reserve XXXX ( XXXX ), not dollars. XXXX XXXX XXXX, Handbook of Financial Mathematics, Formulas, and Tables ( XXXX ), p. XXXX. Also seeWhat is a dollar? It's just something artificial we throw out there. What you're doing is you're fooling people into thinking they have purchasing power, when in fact they do not. XXXX XXXX, Chief Economic Advisor, XXXX XXXX, XXXX XXXX Federal Reserve Bank ( XX/XX/XXXX ). Also seeBallentines XXXX XXXX, XXXX XXXX : XXXX. The legal currency of the United States ; State v Downs, 148 Ind 324, 327 ; the unit of money consisting of XXXX XXXX XXXX. The aggregate of specific coins which add up to XXXX dollar. XXXX Bankruptcy confirmed on XX/XX/XXXX ( see XXXX Report XXXX. XXXX, codified at XXXX U.S.C.A. XXXX, House XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX.
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| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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RE : *** DEMAND that all reported claims be supported by factual documentation that demonstrates their FULL TRUTH, ACCURACY, TIMELINESS, COMPLETENESS, PHYSICAL VERIFIABILITY, and VALIDITY. I also DEMAND adequate claim ( s ) adhere to CERTIFIED COMPLIANT REPORTING PROCESS ( es ) and follow the mandated reporting format, specifically the XXXX XXXX Compliant format standard. Finally, I demand that any reported deficiency or the failure ( or unwillingness ) to provide proof of each claim 's validity and certified compliant reporting result in the immediate DELETION of derogatory claims, if any exist. Compliant reporting of proven valid claims is not an option but a requirement for lawful and ethical reporting practices. ENSURE YOUR OF COMPLIANCE!
PLEASE NOTE : I hereby declare that any reported Personal Identifier Information that does not exactly match the details provided above can not be certified as adequately true, correct, timely, complete, verifiably valid, or otherwise compliant with the necessary lawful reporting processes and the precise and complete adherence to the mandatory reporting format standard, specifically XXXX XXXX Compliant reporting. I contest any currently reported personal identifier information that falls into this category. Furthermore, I do not assume the factual validity or certified compliance of any associated delinquency events or derogatory claims reported. Therefore, I demand the immediate removal of any such deficient claim, regardless of its accuracy.
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.
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| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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RE : *** DEMAND that all reported claims be supported by factual documentation that demonstrates their FULL TRUTH, ACCURACY, TIMELINESS, COMPLETENESS, PHYSICAL VERIFIABILITY, and VALIDITY. I also DEMAND adequate claim ( s ) adhere to CERTIFIED COMPLIANT REPORTING PROCESS ( es ) and follow the mandated reporting format, specifically the Metro 2 Compliant format standard. Finally, I demand that any reported deficiency or the failure ( or unwillingness ) to provide proof of each claim 's validity and certified compliant reporting result in the immediate DELETION of derogatory claims, if any exist. Compliant reporting of proven valid claims is not an option but a requirement for lawful and ethical reporting practices. ENSURE YOUR OF COMPLIANCE!
PLEASE NOTE : I hereby declare that any reported Personal Identifier Information that does not exactly match the details provided above can not be certified as adequately true, correct, timely, complete, verifiably valid, or otherwise compliant with the necessary lawful reporting processes and the precise and complete adherence to the mandatory reporting format standard, specifically Metro 2 Compliant reporting. I contest any currently reported personal identifier information that falls into this category. Furthermore, I do not assume the factual validity or certified compliance of any associated delinquency events or derogatory claims reported. Therefore, I demand the immediate removal of any such deficient claim, regardless of its accuracy.
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
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| 03/28/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have asked for validation from this account on my credit report and LVNV did not follow the FDCPA laws. LVNV is a third party company and need to follow the FDCPA laws not the FCRA laws.
The FDCPA definition is : The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. This is the letter that I sent to LVNV : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
I did not receive the information I requested.
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| 01/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX : closed & charged off the account.SOLD my private data to XXXX XXXX
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CC : FEDERAL TRADE COMMISSION Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX Telephone : ( XXXX ) XXXX ReportFraud.ftc.gov RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for XXXX XXXX, XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX cc Federal Trade Commission
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| 08/27/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently reviewed my credit reports and found a negative item that does not belong to me. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you.
Does your firm have a debt collection license from my state? If not, say why not.
If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation.
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| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This dispute is in reguards to an account on my consumer report from LVNV Funding LLC ( XXXX XXXX ).
Pursuant to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my right to prevent financial institutions from sharing my nonpublic personal information without my written authorization, agreement, or a legitimate purpose. I have not granted such permission, and this constitutes a violation of the aforementioned laws.
These are the specific violations and corresponding laws pertaining to my dispute : 15 USC 1681a ( 2 ) ( I ) : LVNV unlawfully shared transactions and experiences on my credit reports. This section prohibits reporting personal information solely related to transactions or experiences between a consumer and the reporting entity.
15 USC 6802 ( b ) ( 1 ) : LVNV disclosed nonpublic personal information to an unaffiliated third party without providing me with the mandatory notice. This section requires financial institutions to notify consumers before disclosing nonpublic personal information to nonaffiliated third parties.
In light of these violations, I demand the immediate removal of all LVNV account transactions and experiences from my credit reports. I have already filed a fee schedule with the court clerk in my jurisdiction. If this matter remains unresolved within seven days, I will pursue legal action, including reporting this violation to all relevant government agencies and regulatory bodies.
My course of legal action will include : Internal Revenue Service ( IRS ) : I will notify the IRS of LVNV 's potential violation of tax laws related to financial information sharing.
Securities and Exchange Commission ( SEC ) : I will inform the SEC of LVNV 's potential violation of securities laws related to the protection of investor information.
Federal Trade Commission ( FTC ) : I will file a complaint with the FTC regarding LVNV 's unfair and deceptive practices.
Federal Bureau of Investigation ( FBI ) : I will report LVNV 's potential violation of federal laws related to financial information privacy.
Financial Crimes Enforcement Network ( FinCEN ) : I will notify FinCEN of LVNV 's potential violation of anti-money laundering regulations.
Office of the Comptroller of the Currency ( OCC ) : I will inform the OCC of LVNV 's potential violation of banking regulations related to consumer information privacy.
Federal Communications Commission ( FCC ) : If LVNV has used telecommunications channels to violate my rights, I will report them to the FCC.
Consumer Financial Protection Bureau ( CFPB ) : I will file a complaint with the CFPB regarding LVNV 's violation of consumer protection laws.
State Governors : I will notify the governors of all relevant states about LVNV 's potential violations of state laws related to consumer information privacy.
State District Attorneys : I will report LVNV to the district attorneys of all relevant states for potential violations of state laws related to consumer protection.
State Attorneys General : I will inform the attorneys general of all relevant states about LVNV 's potential violations of state consumer protection laws.
Department of Justice ( DOJ ) : I will report LVNV to the DOJ for potential violations of federal laws related to financial information privacy.
I have retained an attorney to pursue legal remedies based on my registered fee schedule and the unlawful acts committed by LVNV. This fee schedule includes : Credit reporting agencies : {$1000.00} per day for each day they continue to report false and fraudulent information.
Credit reporting agencies : an additional {$20000.00} in attorney fees after 15 days.
LVNV will pay {$2500.00} per day for each day they continue to violate the FDCPA and engage in unfair and deceptive practices.
I urge all parties involved to take immediate action to resolve this matter and comply with the law. I demand the immediate removal of the LVNV account from my consumer reports.
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| 03/29/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am in receipt of a NOTICE OF ASSIGNMENT, dated XX/XX/2022, and am responding accordingly. I choose to respond point for point to what I allege is in fact, an initial invitation to contract with RESURGENT CAPITAL SERVICES : LVNV FUNDING LLC. This company utilized the United States Postal Service in regards to the " payment '' of an alleged debt which is a violation of 15 USC 1692 a ), ( d ), ( e ) This communication is to further inform RESURGENT CAPITAL SERVICES : LVNV FUNDING XXXX that I deem you a debt collector, subject to the Fair Debt Collection Practices Act, under 15 U.S.C.1692a ( 2 ), ( 5 ) This CFPB COMPLAINT shall serve as my formal notification that I am in good faith requesting DEBT VALIDATION, not account verification NOR copies of the DEBT STATEMENT. I have noted the following deficiencies in the DEBT STATEMENT. 1. Failure to provide any documentation in regards to but not limited to tradelines, security ; guarantee agreements, tax forms, insurance notes, bonds or any other record that will prove in addition to a written declaration by a live witness with first hand knowledge of the origin of this alleged debt. This notice of assignment has been officially furnished and delivered to me on the witness account of the United States Postal Services. Furthermore, this notice of assignment has been disguised as an EXTORTION DEMAND, subject to fines and imprisonment pursuant to Title 18 USC, chapter 31 CRIMINAL PENALTIES FOR EXTORTION AND EMBEZZLEMENT. 2. Failure to provide any documentation or proof in the initial communication received, as to who purchased ANY LOANS under ANY note bearing my name and personal identifying information. Therefore, I am disputing the entire balance claimed by this third party debt collector and further demand that RESURGENT CAPITAL SERVICES, LVNV FUNDING LLC. provide me with the following : ( a. ) Proof of all indebtedness, including copies of any alleged loan paperwork in your possession, on which you base your alleged claim of default ; ( b. ) Proof of the entire chain of custody of any promissory note claimed to be collected for, including but not limited to, copies of any guarantee, security agreements, contracts for the alleged debt contained within the initial communication ; ( c. ) A FULL ( NOT PARTIAL ) accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other used to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( d. ) If this loan was securitized, along with ANY other loans, please provide the name of the trust and location of its trustee, including the full contact information and telephone number ; ( f. ) Provide the exact location of the purported loan documents, autographed by me with wet ink, and any and all FULL MATERIAL DISCLOSURES of how this DEFAULT LOAN/DEBT came into existence. ( g. ) Provide any and all copies of any and all loan documents, tax forms, balance sheets and any documents in any type of medium such as but not limited to electronic records and tangible forms you have in your possession, bearing my legitimate autograph. Be further advised that I am not limiting or waiving any rights or remedies I may now or hereafter have, whether arising under your purported loan documents at law or in equity, all of which rights and remedies I am expressly reserving. I would also like to request, in writing, since I can not take your telephone calls into court, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to my place of dwelling shown in this letter by the United States Postal Service as a witness.
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| 01/12/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : I am writing to inform you that upon reviewing a copy of my consumer report file, I have noticed an account from this creditor that is erroneous, inaccurate, and illegal. Therefore, I am requesting the description of the procedure used to validate the accuracy and completeness of this account on my consumer report.
Be advised this is not a refusal to pay a debt, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you.
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that since your offices have reported inaccurate and invalidated information to several credit bureaus including XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, this action has aided in enabling identity theft fraud as my personal information is being used for financial gain without my consent under both federal and state laws.
Due to this fact, this is my official notice of intent to sue for negative marks that have been found and are currently reporting on my consumer reports by your company or the company you represent.
I am bringing legal action against you for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character Failure to notify that consumer disputes Reporting a closed account as open XXXX XXXX XXXX XXXX Compliance Reporting as all fields are not 100 % complete nor accurate, in example, account number is incomplete and showing stars/asterisks instead of a full account number Reporting same account multiple times as debt collection agency and as original creditor if applicable I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be closed and deleted with your company or the company which you represent and completely removed from my consumer files and a copy of such deletion request shall be sent to me immediately.
Please provide the following : Agreement with you or your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the original creditor.
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the assigned debt collector.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was NOT canceled by 1099-C Verification that this debt was or was not assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful if applicable.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
Respectfully, XXXX XXXX
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| 01/05/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Re : Response to post validation and Cease and desist request letter for alleged debt of {$610.00} that was sent XX/XX/XXXX.
XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX. Affidavit of Truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a CONSUMER, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with ay affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Receivable Collection SE is in violation of 15 USC 1692d ( 1 ) Notice, it is a Fact, that, I, agent for principal CONSUMER, JACKSON and affiant, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein.
Notice, it is a Fact, that, I, agent for principal CONSUMER, XXXX and affiant is aware, collection activity includes furnishing any information on this subject matter to any consumer reports. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ).
Notice, it is a Fact, that, I, agent for principal CONSUMER, XXXX and affiant, demand that you send me the name and address of the original creditor via mail pursuant to 15 U.S.Code 1692g ( b ) in order to verify proof of the funding of this account ending with account number - XXXX. Without this information there can be no verification on who funded the original loan.
Notice, it is a fact, that, I, agent for principal CONSUMER, XXXX, demand a certified copy of the original certificate of indebtedness in order to verify the COMPANY NAME is in fact the current holder in due course there is in fact a proof of claim of this debt. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor.
Notice, it is a fact, that, I, agent for principal CONSUMER, XXXX, demand a statement under penalty of perjury stating that the bank in fact loaned the associated debt money from their own assets in order to verify there is in fact a proof of claim of this debt. Without this I can not verify any valid claims of alleged debts in the name of my principal obligor.
Thank you, 5. I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do require subrogation of the bond to settle the charge.
.
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| 12/29/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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LVNV Funding/ XXXX , XXXX and XXXX Credit Reporting Agency The Fair Debt Collection Practices Act Letter This is a DEMAND for DELETION of inaccurate and according to the statue 602 you Must DELETE inaccurate Information according to The Federal Consumer Protection. This is a direct violation. I am also requesting my FULL file as I have the right to ask for.
I XXXX XXXX am also requesting a FULL Consumer Discloser Report. You Have five days to respond. I need all credit reports to match Disputer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga. XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX , PAXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX CC : Consumer Financial Protection Bureau Consumerfinance.gov XXXX XXXX XXXX has been deleted from my credit report as of XX/XX/XXXX per XXXX so why is this on my report under another name with LVNV Funding. This is showing CLOSED, Charged OFF, USAGE 129 %, and REVOLVING at the same time!!!! Theres no original creditor, even though I have requested several times. No one has sent a original contract with my signature nor has LVNV Funding and I have requested several times. This account is updated account type- Credit Card- Revolving Terms, account Status CLOSED Payment Status CHARGED_OFF.
This should be showing DELETED from my credit report per XXXX on XX/XX/XXXX. I have enclosed copy.
I am in distress and have trauma from these companies and the lies and deceit I will seek damages. I am requesting the Original CONTRACT called the purchased agreement from XXXX XXXX XXXX. I need evidence. Whats the scheduled payment, what is the payment history theres no payment history but showing missed payments I have attached a 24-month payment history and several letters from XXXX XXXX XXXX.
I am requesting that this item be deleted from my credit report and I am requesting that it stays off because this is the fourth time I am disputing this credit report and addressing the company.
Validate this account, which is XXXX XXXX XXXX LVNV Funding. And the ownership of this account. I XXXX XXXX disputed this account several times with all three reporting agencies. with the account, according to LVNV Funding, XXXX XXXX XXXX, balance {$590.00} with partial account numbers # XXXX. What is the full account number? I am requesting an investigation and my signatures from this debt from the original document. This collection is showing resolved as of XX/XX/XXXX, per the XXXX credit report. I have never done any business with this agency. There are no account number or any valid information. Please delete from my credit file.
This is to verify my name and address : Email Address-XXXX Name : XXXX XXXX XXXX XXXX Social Security Numbers and birthdates Current Address : XXXX XXXX XXXX XXXX XXXX XXXX , GaXXXX XXXX Last Address : XXXX XXXX XXXX XXXX XXXX , Ga. XXXX Please remove all other addresses the addresses I XXXX XXXX am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher contacted and phone numbers and their reply.
According, to the ( FAIR CREDIT REPORTING ACT ) which promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies, XXXX, XXXX and XXXX.
I, after the several REINVESTIGATIONS I have submitted, I am requesting that a revised credit file to be sent to all companies for new deletions for inaccurate and invalid information.
AGAIN, I AM REQESTING YOUR INVESTIGATION PROCEDURE as well as my file disclosure because according to FCRA, I have a right to know.
I again request that these inaccurate ( false, inaccurate Information be REMOVED from My account and CREDIT report.
XXXX XXXX
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| 02/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Attn : Consumer Financial Protection Bureau, And as such, this complaint is in regards to a litany of fraudulent advances by the following entities, such as LVNV Funding LLC, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX.
Moreover, this matter has been disputed in near the ending of XXXX, and in XXXX, of XXXX, in which I ended up winning on all disputed occasions with all three credit bureaus, but not only that this debt has no impact whatsoever on any of my credit files, or from any of the major credit bureaus.
Furthermore, it's a desperate and appalling attempt by all the entities that's still utilizing means of trickful advances with stunts to cause debt re-start, to take advantages in every possible and underlying ways disturbingly.
In addition, these advances by LVNV Funding LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX.. Are further attempts in which supports ethical fallacies, in written rationale fallacies, extortionate deeds, egregious acts, and downright major monkey businesses in which is seriously and dangerously non-de-minimis in itself etc.
Also, please keep in mind that such debt has long exhausted its maturity time frame to collect, and therefore these companies are well aware of every tactics in their mysterious approaches. More broadly, such acts can easily be labeled as knowing and culpable negligence without bias by any body of oversight governmental, and watchdog agencies undoubtedly speaking.
However, back in XXXX of XXXX, one of LVNV Funding LLC, affiliated entities, such as XXXX XXXX XXXX XXXX, utilized a symbolic method in regards to a college loan of nearly {$7000.00}, stunt-fully and tactfully by incorporating XXXXXXXX XXXX, to where I ended up bringing the matters to the Indiana State Attorney 's General 's Office, and as well as to the CFPB, and won both successfully speaking.
" Progressively, one of the attorney 's representing the Indiana State Attorney General 's Office, did share with me that if they XXXX XXXX XXXX XXXX, attempted to come after me, again by any deceitful and unscrupulous acts that they would revise what I layed out to them in complaint and take appropriate actions etc. '' So, in essence it appears that these interchangeables of entities hasn't learned any lessons to cease and desist from trying to underlyingly slight myself as a consumer, and perhaps the many other 's that has fallen to a emblematic approaches by means of ugly ulterior motives.
Additionally, LVNV Funding LLC, and companies affiliated will stunt-fully share a debt within their entities to entrap myself on multiple occasions, and I also believe that this is an unethical plan that is being utilized against otherly consumers to trick disadvantageously speaking, especially for those consumers that are not wisely privy to these nefarious acts by LVNV Funding LLC, and their affiliated counterparts.
In further, LVNV Funding LLC, also utilize means of in writtens of harassments, invasion methods of privacy by tracking consumers in credit establishments and to track where consumers are residing etc. It's a disgraceful act to begin with, but one that should be seriously investigated at the highest levels, that way the highest levels of justice 's can be levied without questions.
Progressively speaking, I am calling for an immediate investigation against these affiliated sister companies, as well as against XXXXXXXX XXXX XXXX, XXXX. Also, I would like for what I've shared thus far to be shared with multiple governmental agencies as a further means of helpful and informative information etc. And I will do my part as reflecting to a lawyerly pursuit, because it's time that these entities are taught a severe consequential lesson etc.
Furthertively speaking, these in writtens and shared chronicles now concludes the despicable acts of all the aforementioned entities that will for surely be facing swift and vigorous justices in a timely manner.
Please Note : Verifications of documents attached.
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| 01/05/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX did not remove this unvalidated information. XXXX XXXX did not send me all the information I requested below. I demand this negative information to be removed immediately. Until what I asked for is provided! Do not ignore or dismiss my case as if it has been resolved! I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received non of the information I requested.
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| 07/21/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Affidavit of Truth Be it known to all that I, XXXX XXXX, am in fact the consumer, natural person, original creditor, lender, executor, and administrator. I am not a citizen nor person as defined in commercial statutes. I, XXXX XXXX, am created by God alone and subject only to my creator.
Whereas, I of age, of majority, give the here in notice to all, I make solemn oath to the one and only most high of creation only ; whoever that maybe, and I depose the following facts ; so be it, now present ; Fact, The Fair Credit Reporting Act is intended to protect consumers against the reporting inaccurate information that is harmful and irrelevant to the consumer and the reported information is inaccurate, harmful, and irrelevant to me as a consumer.
Fact, The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it.
Fact, pursuant to 15 USC 1692 ( g ) no debt collector or court can validate any debt only the consumer, so the debt collectors and consumer reporting agencies are in violation when they tell me, the consumer, that the alleged debts are valid.
Fact, the consumer reporting agency admits to not being present at the alleged time of the documentary evidence therefore any copies that they may present is heresy.
Fact, entities can not create debt nor extend credit therefore they can not lend as said so by congress under Title 12 so debt collectors can not be the original creditor as claimed by the consumer reporting agencies. I, XXXX XXXX am in fact the consumer, natural person, and original creditor.
Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of the alleged accounts by the debt collectors and consumer reporting agencies contains information that contributes to the alleged experiences and transactions between I, the consumer and the alleged creditors.
Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of the alleged accounts by the debt collectors and consumer reporting agencies violates this.
Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report.
Fact, nowhere in federal law is it written that a debt collectors or consumer reporting agencies must report any information to a consumer report regarding a consumer except under the written instructions of the consumer and I, XXXX XXXX am in fact the consumer and did not give any consumer reporting agency written instructions to report any information to any consumer report.
Fact, an Affidavit that is uncontested, unrebutted, and unanswered stands as truth and the unrebutted Affidavit becomes the judgement in commerce. Unless this Affidavit is contested or rebutted, the alleged accounts reported by debt collectors and consumer reporting agencies must be removed from any consumer report [ United States v. Kis, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XX/XX/XXXX XXXX ] Fact, I am sure that the removal of the following alleged account LVNV FUNDING 12 ( XXXX XXXX XXXX ) from the credit reporting agencies records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again, and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce.
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| 02/22/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Resurgent Capital Services, LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
I look forward to hearing from you, XXXX XXXX
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| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On or about XX/XX/XXXX I received an email stating that a new collection was placed on my credit report and if I did not recognize it that I could file a dispute. The name of the company was LVNV Funding and the response came from a company name Resurgent Capital Services ( neither company I have done business with ) On XX/XX/XXXX I sent a debt validation letter via certified mail ( Article Number via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) to LVNV Funding asking that they verify the debt along with a list of requested proof of existing debt or relationship to their company and how they are the actual owners of the debt. On a letter dated XX/XX/XXXX I received 2 letters from Resurgent Capital Services dated the same date XXXX letter stated they initiated a review of my inquiry. the XXXX letter stated they were attaching an account summary to serve as validation of the debt. Which in turn did not complete my request for full disclosure of the alleged debt. Per their account summary the Amount past due XXXX to XX/XX/XXXX was {$280.00} from XXXX XXXX XX/XX/XXXX was {$730.00} and the new balance was {$980.00}. Additionally on their account summary it also shows the credit limit of only {$300.00}. So how can there be an additional {$690.00} added to an account with a {$300.00} limit? On this summary page as well where it states XXXX totals for year to date the amount only shows {$210.00} with total interest being {$88.00}. Again, their math is not adding up. I disputed this inaccurate information with XXXX, XXXX, XXXX as well as the CFPB case number XXXX.
With XXXX, I disputed the charges on XX/XX/XXXX and XX/XX/XXXX where on both dates they used the same exact dispute case number XXXX in which they stated the information was verified and validated. I called into XXXX customer support in which the agent asked me a bunch of questions and have me clear my cache and cookies when I explained to him that I already had access to my account and it was about a dispute that I had a issue with. He again continued to have me go through some troubleshooting steps when I told him 4 separate times that it was regarding a dispute on my credit report. The agent placed me on hold and at that point I requested to speak with a supervisor. I was given a case number ( not even sure if it is valid ) XXXX and transferred to the supervisor. After waiting on hold for about XXXX minutes a supervisor answered. Went thru the entire purpose of my call he then states I have the wrong department. Sends me over the the " Dispute '' department where I get a representative named " XXXX '' I give him the dispute report number and he pulls up my account. He asks what can he help me with. I ask him why both of my disputes have the same dispute number? He doesn't answer my question. I then ask him what steps did they take to validate the debt and what information was provided to XXXX to insure the debt was correct? He says we send them ( the company ) in the dispute a form to fill out. I stopped him right there and I again asked him what documentation did they provide? He again acted like he didn't hear me. So I continued to ask the same question over and over to let XXXX know that I see that he is refusing to answer my question and I also informed XXXX that as a consumer I have the right to receive information that is having adverse effects on my personal life and causing me undue XXXX distress as I am a XXXX veteran and this inaccurate reporting on my credit report has caused me unfavorable decisions in the process of buying a home. I continued to ask " XXXX '' for his employee ID and the case number for our conversation he refused to provide either. He then became indignant with me and hung up in my face after repeatedly refusing to provide me with any information to settle the dispute with my account.
XXXX has removed XXXX XXXX from my credit report as of XX/XX/XXXX.
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| 07/08/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
I look forward to hearing from you, Best Regards, XXXX XXXX
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| 10/05/2015 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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RELIEF SOUGHT : I am seeking relief from any and all agents, clients, persons, individuals, entities, representatives, debt collectors, debt collection entities, debt collection servicers, and anyone and anything in a paid or unpaid connection or relation to any and all former, present, and future companies, entities, businesses, clients, and the like associations with LVNV Funding , LLC ; Resurgent Capital Services L.P. ; XXXX XXXX XXXX. ; Resurgent Capital Services PR LLC ; PYOD LLC ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; The Sherman Companies ; Sherman Companies ; XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX , XXXX ; and anyone and anything that not specifically mentioned herein but may have been, may be presently, or may be future connected or related to any and all of the aforementioned.
The aforementioned have claimed that I owe debt. Any and all claims and assertions that I owe debt are unsubstantiated and the alleged debt is time-barred. The aforementioned have sent me " Settlement Offer '' letters. I have not been sued, nor have I ever been served. The " Settlement Offer '' letters imply that I have been sued or will be sued if I do n't " settle. '' The aforementioned can not sue me on time-barred debt. The time-barred alleged debt allegedly has been time-barred for close to or over a decade. The aforementioned have failed to disclose that the alleged debt is too old for litigation and has implied a legally enforceable obligation to pay the alleged debt.
To be clear : This complaint is not a dispute. I am not disputing nor acknowledging a debt or an alleged debt. I am not disputing nor acknowledging the amount of the alleged debt or any amount or portion thereof. I am not requesting documentation of the time-barred alleged debt. I am not seeking verification of the time-barred alleged debt. This is not a dispute, Section 809 ( c ) of the FDCPA, 15 U.S.C. Section 1692g ( c ).
The aforementioned have violated federal and state law. I want the aforementioned to stop harassing me and to stop collection. I seek that aforementioned not sell or transfer to another the time-barred alleged debt so that others may not harass me over a time-barred alleged debt. Unless the aforementioned complies with my sought relief, I will pursue legal action.
VIOLATIONS OF LAW : Sections : 1031 ( a ) and 1036 ( a ) of the CFPA, 12 U.S.C. Sections 5531 ( a ) and 5536 ( a ) : Unfair Deceptive and/or Abusive Acts or Practices by falsely representing the character and legal status of the debt. Section 807 of the FDCPA, 15 U.S.C. Section 1692e : Prohibits Debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Section XXXX ( XXXX ) ( A ) of the FDCPA, XXXX U.S.C. Section XXXX ( XXXX ) ( A ) specifically prohibits the false representations of the character, amount, or legal status of any debt. Section 392.304 ( a ) ( 8 ) of the Texas Finance Code, Title 5 Chapter 392 Subchapter D : Fraudulent, Deceptive, or Misleading Representations by misrepresenting the character and legal status of the debt and implying the alleged debt is in a judicial or governmental proceeding.
CEASE COMMUNICATION : Pursuant to Section 805 ( c ) of the FDCPA, 15 U.S.C. Section 1692c, I am writing that, upon closure of this CFPB complaint, I wish the aforementioned, debt collectors, and anyone and anything that not specifically mentioned but may have been, may be presently, or may be future connected or related to any and all of the aforementioned to cease any and all further communication with me. This notification from me to the aforementioned establishes, constitutes, and satisfies reasonably the requirements of Section 805 ( c ) of the FDCPA that my requests for cease communication must be in writing. Upon closure of this CFPB complaint, all communication must cease.
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| 08/04/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am writing to file a formal complaint against Resurgent Capital Services XXXX, a collections agency, for their failure to provide me with the requested information pertaining to an alleged debt and for reporting inaccurate information on my credit report.
The alleged debt was initially handled by LVNV Funding LLC, who turned it over to Resurgent Capital Services L.P. for collection. On XX/XX/XXXX, I sent a written request to Resurgent Capital Services L.P., seeking validation of the alleged debt as per the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ).
In my request, I specifically asked for the following information : An agreement with their client grants them the authority to collect on this alleged debt.
An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims made by any creditor regarding this account.
Any judgments obtained by any creditor regarding this account.
Despite the clear requirements of the FDCPA and my diligent efforts to seek validation of the debt, Resurgent Capital Services L.P. has not provided any response or the requested documentation. Their lack of responsiveness has left me unable to verify the accuracy of the alleged debt and evaluate the validity of their claim.
Furthermore, I have discovered that Resurgent Capital Services L.P. has reported this collection account on my credit report, which is negatively impacting my credit score and financial standing. In light of their failure to provide the requested information and validate the debt, I firmly believe that this collections account is inaccurate and should not be reflected on my credit report.
Therefore, I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly. I urge Resurgent Capital Services XXXX to comply with the FDCPA and promptly provide the requested documentation, as required by law. Additionally, I demand that they remove the collections account from my credit report until they can substantiate its validity.
I have made every effort to address this issue directly with Resurgent Capital Services L.P., but their lack of response has left me with no recourse other than seeking assistance from the CFPB.
I trust that the Consumer Financial Protection Bureau will take this matter seriously and work diligently to ensure that Resurgent Capital Services L.P. adheres to the appropriate regulations and rectifies this situation promptly.
Regrettably, I must express my disappointment as Resurgent Capital Services L.P. only addressed part of the requested information and omitted some critical documents required for proper validation.
They provided The Account originated on XX/XX/XXXX, The Account charged off date, The Account was previously charged off, the last payment in the amount of {$290.00}, and a balance is not validated but failed to furnish An agreement with their client grants them the authority to collect on this alleged debt.
An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims made by any creditor regarding this account.
Any judgments obtained by any creditor regarding this account. This incomplete response leaves me unable to fully evaluate the accuracy and legitimacy of the alleged debt.
I firmly believe that as a consumer, I have the right to receive a comprehensive validation of the debt in question. Resurgent Capital Services L.P. 's failure to provide complete information raises concerns about the accuracy of their claim and casts doubt on the validity of the alleged debt.
I appreciate your attention to this matter and look forward to a resolution that upholds my rights as a consumer and preserves the accuracy and integrity of my credit report.
Thank you for your assistance in this regard.
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| 08/04/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am writing to file a formal complaint against Resurgent Capital Services L.P., a collections agency, for their failure to provide me with the requested information pertaining to an alleged debt and for reporting inaccurate information on my credit report.
The alleged debt was initially handled by LVNV Funding LLC, who turned it over to Resurgent Capital Services L.P. for collection. On XX/XX/XXXX, I sent a written request to Resurgent Capital Services L.P., seeking validation of the alleged debt as per the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ).
In my request, I specifically asked for the following information : An agreement with their client grants them the authority to collect on this alleged debt.
An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims made by any creditor regarding this account.
Any judgments obtained by any creditor regarding this account.
Despite the clear requirements of the FDCPA and my diligent efforts to seek validation of the debt, Resurgent Capital Services L.P. has not provided any response or the requested documentation. Their lack of responsiveness has left me unable to verify the accuracy of the alleged debt and evaluate the validity of their claim.
Furthermore, I have discovered that Resurgent Capital Services
L.P. has reported this collection account on my credit report, which is negatively impacting my credit score and financial standing. In light of their failure to provide the requested information and validate the debt, I firmly believe that this collections account is inaccurate and should not be reflected on my credit report.
Therefore, I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly. I urge Resurgent Capital Services L.P. to comply with the FDCPA and promptly provide the requested documentation, as required by law. Additionally, I demand that they remove the collections account from my credit report until they can substantiate its validity.
I have made every effort to address this issue directly with Resurgent Capital Services L.P., but their lack of response has left me with no recourse other than seeking assistance from the CFPB.
I trust that the Consumer Financial Protection Bureau will take this matter seriously and work diligently to ensure that Resurgent Capital Services L.P. adheres to the appropriate regulations and rectifies this situation promptly.
Regrettably, I must express my disappointment as Resurgent Capital Services L.P. only addressed part of the requested information and omitted some critical documents required for proper validation.
They provided The Account originated on XX/XX/XXXX, The Account charged off date, The Account was previously charged off, the last payment in the amount of {$290.00}, and a balance is not validated but failed to furnish An agreement with their client grants them the authority to collect on this alleged debt.
An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims made by any creditor regarding this account.
Any judgments obtained by any creditor regarding this account. This incomplete response leaves me unable to fully evaluate the accuracy and legitimacy of the alleged debt.
I firmly believe that as a consumer, I have the right to receive a comprehensive validation of the debt in question. Resurgent Capital Services L.P. 's failure to provide complete information raises concerns about the accuracy of their claim and casts doubt on the validity of the alleged debt.
I appreciate your attention to this matter and look forward to a resolution that upholds my rights as a consumer and preserves the accuracy and integrity of my credit report.
Thank you for your assistance in this regard.
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| 03/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am XXXX XXXX and I am submitting this myself with no third party involved. I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THESE ARE DUPLICATE ACCOUNTS. 15 U.S. Code 1692e. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), Sept. 30, 1996, 110 Stat. 3009425. )
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| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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LVNV FUNDING has not sent me any documents verifying this debt belongs to me. LVNV only sent account statements with purchasing on them.
PLEASE BE aware that a printout of a bill or itemized document does not constitute verification. YOU ARE IN STRICT Violation of the Fair credit reporting act. Please act now and remove this account from all CRA ASAP!
1. Please send me the initial application when this account first was open so I can review information submitted to XXXX XXXX and XXXX XXXX. Please DO NOT SEND A LIST OF PURCHASES MADE WITH THIS CREDIT CARD BECAUSE THAT IS NOT EVIDENCE.
2. This application was open over the internet so anyone with my information couldve submitted this. Please send me something bearing my Wet signature saying that I XXXX XXXX is responsible for this debt.
3. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
4. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the item ( s ) be removed from all CRA!
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby.
Please send me the original instrument of indebtedness in its original form on or before XX/XX/2021. You can't produce the original instrument of indebtedness in its original form this account should be deleted from all CRA ASAP.
REMINDER according to federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws it's illegal to report any derogatory accounts on CRA IF you can not produce an original instrument of indebtedness in its original form. Please do not send me an account statement with payment history, credit card purchases. Send me an original instrument of indebtedness in it's an original form or delete this account from all CRA ASAP OR I WILL SUE YOU!
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.
I further remind you that you may be liable for your willful non-compli- ance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damag- es per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not lim- ited to Section 807-8 ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
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| 02/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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I have been a XXXX customer for the last 18 years and I have never been associated with any product or service from XXXX.
I pulled a tri-merged report in XX/XX/2016 in order to require vital financing for my business. I was surprised to see a charge off/collection account being reported by a debt buyer - Pinnacle Credit Services - stating it was for a XXXX account in the amount of {$600.00}. This account was reporting on all three bureaus.
On XX/XX/2016 a letter was drafted and mailed, via certified mail with return receipt and signed for on XX/XX/2016, stating : " This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' Full letter will be attached.
Absolutely no response to this communication so a follow up letter was drafted on XX/XX/2016 and mailed, via certified mail with return receipt and signed for on XX/XX/2016 stating : " This letter is a follow up to my original letter dated XX/XX/2016 regarding an inaccuracy on my credit reports, regarding account # ****, which you claim I owe {$600.00}.
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. '' Full letter will be attached.
Again XXXX communication from this collector. I did however, notice that the account had been removed from Equifax on XX/XX/2016 and from from XXXX and XXXX on XX/XX/2016. This was great news, but short lived. The company immediately re-inserted the account now as a new collector - Pinnacle, LLC/Resurgent, with a new address - no longer in XXXX, MA but XXXX, SC and a new account number. This was now showing as a new collection account and had a very dramatic negative impact on my profile, my ability to gain vital financing for my business, and ultimately my personal and family finances.
This re-insertion was done unlawfully as the consumer was not notified within 5 days of the re-insertion to my report. I sent a re-insertion letter to Pinnacle and the XXXX bureaus to dispute the re-insertion and requested that they comply with the provisions of FCRA SOS 611, Procedure in case of disputed accuracy [ 15 U.S.C. SOS 1681i ] - Full letter will be attached As expected no response or communication from Pinnacle. The bureaus took it upon themselves to create disputes. The result of these disputes were that Pinnacle " verified '' to the bureaus the legitimacy of this account. I never received the documentation or information used for this verification.
I was instructed to dispute with the Bureaus directly. I have done this and the bureaus continue to " verify '' the account as valid through Pinnacle. I have now asked multiple times for the documentation or information provided to the bureaus to validate the legitimacy of this account and to date have received nothing from Pinnacle and Equifax, Experian or Transunion have only provided statements like, " verified, " remains '', " updated '', etc. no evidence of validation.
I find it a bit odd that I have had XXXX communication from Pinnacle in 10 months and yet the bureaus can continue to verify this account without providing any supporting information to the claims of the accounts validity.
The lack of communication from Pinnacle has proven my suspicion that this is an erroneous and fraudulent attempt by a predatory collector to extort funds from consumers. There is a Pinnacle on the FTC XXXX XXXX List, is this them??!
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| 06/01/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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To Whom It May Concern ; I am writing you to lodge a formal complaint against LVNV Funding LLC . Over the past year I have spoken to several lawyers and members from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) who pointed out several issues that appear on my credit report. To date, LVNV Funding has reported derogatory remarks with all three credit reporting agencies ( XXXX, XXXX and XXXX ) without proper notification.
Please note the following case : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Case No. XXXX ( XXXX ) UNITED STATES DISTRICT COURT, DISTRICT OF MINNESOTAConsistent with the views of the FTC -- and consistent with the views expressed in XXXX, XXXX, and XXXX -- the XXXX finds that XXXX was engaged in " collection of the debt '' in violation of XXXX ( when it reported XXXX 's disputed debt to the CRAs before sending verification of that debt to XXXX. The Court therefore agrees with Judge XXXX that XXXX is entitled to summary judgment as to liability on his FDCPA claim.
No debt collector is required to report a debt to a CRA before verifying that debt to a consumer -- and thus, as the Court held above, it is reasonable to view such a practice as a species of debt collection prohibited under XXXX ( XXXX, XXXX 's XXXX-based employees violated the FDCPA when they reported that debt to the CRAs before first verifying the debt to XXXX.
XXXX v. XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX XXXX, XX/XX/XXXX ) ; see also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX. XXXX XX/XX/XXXX ) This case specifies that the consumer must have the debt verified by dunning letter or communication prior to reporting to the credit reporting agencies. I was never notified via dunning letter or any other form of communication by LVNV Funding of any debt. Therefor LVNV is in violation of the above statue. Furthermore, I would like for your agency investigate the following circumstances into the account in this matter:1. LVNV Funding is listed on XXXX as a Factoring Company, when per FCRA collection companies are not.
XXXX XXXX XXXX XXXX XXXX, XXXX, a XX/XX/XXXX decision by the United States Court of Appeals for the XXXX XXXX which re-characterized a factoring transaction as a secured borrowing rather than a " true sale '' of accounts.
In the XXXX case the court stated " the so-called factoring agreement is the functional equivalent of a secured lending agreement. '' Whether the agreement is a secured loan or a true purchase of receivables turns on whether there was an actual transfer of the risk of loss. A transfer of risk occurs when the account seller 's debt is extinguished, and the account purchaser 's " risk with regard to the performance of the accounts is direct. '' The court in XXXX explained that the parties had " confected '' a secured loan or revolving line of credit, rather than a true sale of assets, through a percentage advance subject to the lender maintaining a reserve in any amount the lender deemed appropriate.
2. LVNV Funding is adding on varying fees to the balances on each report per month sometimes {$3.00}, sometimes {$11.00}, sometimes $ XXXX the past 6.5 years. There is no basis for these add on fees or was I given any detail on these so called interest charges. I would like to see the authorized agreement creating the debt or a copy of the original card agreement to prove collecting the interest is permitted.
( I have documents as proof ) I am requesting your agency look into these allegations and assist me in having these erroneous illegal marks removed from all XXXX CRAs a deletion from all three credit reporting agencies. I felt compelled to urge your office to help me in my crusade to remove LVNV Funding and reestablish my credit and protect low income minority families that ca n't afford to fight these types of collection agencies.
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| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. As per FDCPA, you are required to provide this validation of debt within 30 days of receiving my written request. I believe that you, as well as ORIGINAL CREDITOR, whom I originally entered the contract with, are violating 1692g by submitting incomplete information again to my credit report. This is a severe violation of THE FALSE CLAIM ACT, and I urge you to correct this immediately. Moreover, I would like to bring to your notice that XXXX did not adhere to the law of 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( F ), which includes an agreement to defer one or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period, which began on XX/XX/XXXX, and ended on the later of 120 days after XX/XX/XXXX, or after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminated. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action. reporting company 's investigation into an existing problem I hope this letter finds you well. I am writing to bring to your attention some inaccuracies in the information reported by your credit bureau, specifically regarding my accounts with XXXX, XXXX, and XXXX. As per my records, The date opened wrong, date last active, payment history, and date last reported are inaccurate across all three bureaus. It is crucial to report the most up-to-date and accurate information to ensure the integrity of my credit profile. Moreover, I would like to bring to your attention that the reported payment history is reflecting a charge-off status for each month. However, this is inaccurate as these accounts are collection accounts, not charge-offs. As per the Fair Credit Reporting Act ( FCRA ) guidelines, it is essential that the information reported on my credit report is correct and reflects the accurate status of the accounts. I want to emphasize that a collection account balance can not be reported as {$0.00}. I kindly request that you rectify these inaccuracies and report the correct information in a timely manner. I urge you to adhere to the guidelines outlined in the 15 U.S. Code 1681s2, which states that furnishers of information to consumer reporting agencies must provide accurate information and refrain from reporting inaccurate information. To facilitate your investigation, I am enclosing a copy of my credit report from your credit bureau. It highlights the discrepancies mentioned above and includes your company 's information showing the inaccuracies. I trust that this will assist you in rectifying the errors promptly. It is essential to rectify these inaccuracies, as they may give the impression of fraudulent activities to lenders when they view my credit profile.
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| 08/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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on XXXX XXXX a collection was placed ion my consumer credit file by the company LVNV FUNDING LLC for the amount of {$250.00}, i never received no proper documents when i asked for this company to validate this date, they have violated my rights as a consumer under fair debt collection practices & fair credit reporting act XXXX.the list below is where this company has violated my consumers rights 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
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| 08/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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on XX/XX/2019 a collection was placed ion my consumer credit file by the company LVNV FUNDING LLC for the amount of {$420.00}, i never received no proper documents when i asked for this company to validate this date, they have violated my rights as a consumer under fair debt collection practices & fair credit reporting act ..the list below is where this company has violated my consumers rights 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
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| 08/11/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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My credit report has the following collection activity that was reported to all 3 credit bureaus without verification.
- LVNV Funding Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
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| 05/31/2021 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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LVNV FUNDING LLC calls me everyday including at work when im in a meeting. also Pursuant to 15 USC 1681a ( 2 ) ( b ) ''any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is ''the term '' ''credit card '' means any card, plate, coupon or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' notice congress said ANY card. the credit card is my social security card. this is the credit card I used to originate every consumer credit transaction for LVNV FUNDING LLC.
Through my extensive research of YOUR MANDATED OBLIGATIONS as well as of MY CIVIL and or CONSUMER RIGHTS, I have become very educated as I have also learned from previous actions that the CFPB supervisor that would undoubtedly inform me that indeed YOUR Firm has at maximum only 30 days to PRODUCE ALL of the ABOVE noted information. If your firm CAN NOT or WILL NOT, inside the federally mandated and defined timely manner, produce adequate compliant PHYSICAL PROOF to every single one even each any and or ALL of the above noted items in need of documentation ( showcasing the FACTS are certifiable in attesting that there is 100 % truth, 100 % correctness,100 % completeness, 100 % timeliness, and 100 % obeyance to regulations as well as every single one even each any and or all claims versus me are evidenced in testimony to be exactly mine and of my ownership of responsibility, be assured that I will gladly accept your written NOTIFICATION stipulating that your firm CAN NOT COMPLY with the FDCPA and that as a result of your ineptness you will immediately and formally be withdrawing your claim to this/these alleged debt ( s ) and or derogatory marks or notations versus me as is officially being demanded.Should you misunderstand my drive and WILL to gain JUSTICE and you vilely elect to choose to ignore this demand, please UNDERSTAND AND EXPECT IN CERTAINTY THAT soon after I will pursue a direct course offered under the CREDIT REPORTING SETTLEMENT AGREEMENT ( aka CRSA ) [ ****FEEL FREE TO REVIEW ( as I did ) the COMPLETE 41 page pdf as located on the web at https : //ag.ny.gov/pdfs/CRA % 20Agreement % 20Fully % 20Executed % 203.8.15.pdf ] entered into by the Credit Reporting Agencies ( such as is your repository ) with the ATTORNEY GENERAL OF THE STATE OF NEW YORK BUREAU OF CONSUMER FRAUDS & PROTECTION and 37 other states that specifically creates empowerment and capacities for national none other than even a working group ( such as the credit reporting working group ) to amend in remediation and hold culpable, responsible and if need be punitively accountable and or even to sanction data furnishers who fail to meet the requirements of the FDCPA and CFPBs compliance guidance for Professional Debt Collection Practices.Do not be wondrous to the fact that certainly in my riposte to your callousness that I will NOT pause even momentarily to FILE suit and petition for my own monetary windfall versus your axis firm for malicious collection activities ( in ignorance or willfulness matters not per statutes ) if your firm opts not to retort to this VALIDATION demand and its conditions -see Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004.
****again should you care to study the just mentioned juris rendition, please avail yourself opportune to become familiar with the determined requisites of you in this matter as I have myself become very acquainted and educated to..The link of which I studied in glee was located exactly here ...
http : //caselaw.findlaw.com/us-7th-circuit/1033194.html
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| 02/20/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX.
XXXX, GA XXXX Collection Agency Name : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX RE : Account # ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards [ : XXXX XXXX XXXX XXXX. ] cc Federal Trade Commission
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| 12/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hello On XX/XX/2018 I made a dispute report because on my report there was an account that I did not recognize so I requested proof of the paperwork with my signature that I owe this amount of money to this creditor, the creditor sold it to a collection agency the collection agency put it on my credit report as a collection I disputed this 4 months credit reporting kept reporting to me that they verified it when I ask for the proof that they verified it they would reinvestigate I dispute it again and they would say that they verified it and I'd ask for the proof of the verification and then I would have to dispute it again well finally I got 2 creditors that were on the report that I did not owe anything to removed, they were deleted. Through process of continued disputes finally on XX/XX/XXXX after I called them and that would be expedient and ask them for the proof that I owed this money to this collection agency because on the XX/XX/XXXX they sent me my dispute response that I did owe this when I call them on XX/XX/XXXX I told them that I wanted proof and on the third they put through delete from this creditor so the two reporting agencies, XXXX and XXXX, removed all these false credit damaging collections from my report everyone except for XXXX I called XXXX I tried to dispute XXXX and every time I would go online it will tell me that they were having problems that I would have to call I called and told the lady what was going on she took my report and it's still there and that was back in XXXX maybe anyway I got a letter on the XX/XX/XXXX from first source which you'll see pictures of the letter they sent me in my downloads and it is from the creditor that's still on my XXXX as me owing them which I don't they sold my account to first source saying that now first source is going to collect this debt, I do not owe this debt I've been going through this dispute since XX/XX/XXXX, the last one that still stuck on my account but this all started in XXXX I have a XXXX XXXX I've had XXXX XXXX most biggest one was XXXX XXXX I can't take this stress I have been trying to fix this for way too long because someone's not doing their job and they would actually verify that I actually owed these debts it would have been solved in XXXX somehow someone is saying they're verifying but they're not verifying I think the consumer should be able to rely on the credit reporting companies since they're giving reports that affect our lives and they're giving the wrong reports!!! they should be held accountable!! I would like for someone to please help me and actually help me!! I want this fived and settled. I don't need this, NO American taxpayer needs this, to have three companies hold your life in their hands because you want credit well I didn't want credit but now I might have to get a credit card not that I want to cuz it's all big scam and I'm not yelling I know that the person who's reading this right now has nothing to do with what happened in the past I'm frustrated please someone help me fix this and I have a question is it lawful for a company is trying to collect a debt from me that I don't know and was disputed and supposedly deleted able to sell my information to another collection agency to collect on funds that I didn't owe the first agency?? I don't think that's legal and I don't think that's fair the three credit reporting companies have the power to hold my life in their hands when they're screwing up my life because no one 's doing their job!!!
thank you I would like them to fix it and to let my creditors that when I did apply for one cr, edit card and was denied because they said that I had debts which I didn't they should be made to go back and fix what they reported and say it was false information because that is slander in my book, thank you XXXX
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| 08/23/2023 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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FACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) LVNV FUNDING Is in violation of 15 USC 1692 ( C ) ( A ) a debt collector may not communicate with a consumer in connection with the collection of any debt. FACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) that LVNV FUNDING is in violation of 15 USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. IN TRUTH I XXXX XXXX FEEL OPRESSED AND ABUSED AS LVNV FUNDING AND ITS AFILIATES HAVE SENT ME 3 LETTERS WITH DIFFERENT AFFILIATES ( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt. Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC 1692 C ( A ) LVNV FUNDING IS IN CLEAR VIOLATION under the law as I have written this company numerous times about validating this dept with no response I have also sent in complaints to the cfpb about lvnv funding and still this company continues to report on my XXXX consumer report I have sent in numerous affidavits and paperwork to the company, the companies affiliates and the CFPB. I have also written XXXX about this issue. This is not my dept. I have no knowledge of this dept and the company has not forwarded me any information regarding this debt. There has been no verification of this debt yet I am still being harassed because this LVNV funding is reporting on my credit report fraudulently because this is not my account Ive sent in numerous fraud paperwork from the FTC to no avail LVNV funding. They are violating my rights and I cant get any help from the CFPB so Im trying again. This is unfair debt collection practices and I expect the CFPB to please have LVNV funding removed off my credit report and have them pay {$1000.00} for each violation of the law which they are clearly in violation of at least seven laws. Ive sent them an invoice for the violations which days refuse to pay and I asked that the CFPB please interfere and hold this debt collectors accountable for their actions. I ask for a wedding signature, verifying that the contract was actually initiated with LVN refunding, which it could not possibly be I asked LVNV funding to please send me all documentation regarding this dept which again you have failed to do so I asked LVNV funding to send me the signatures of both parties who have signed the contract for the dept that is old and still have not received a reply from LVNV funding Im asking the CFPB to please, please cause this is harassment to please look into them paying restitution under the law for every violation that I have pointed out here and now on this complaint
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| 08/13/2015 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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In XXXX XXXX, I found 4 collection accounts on my credit reports that were listed by LVNV Funding. I disputed these accounts with the credit bureaus to no avail. I then disputed these accounts directly with LVNV Funding and requested the following validation pursuant to the FDCPA, 15 USC 1692g Sec. 809 XXXX b XXXX :1 XXXX A copy of the original consumer contract containing my signature.
2 ) A list of the transactions that make up the alleged outstanding balances on the accounts.
3 XXXX The name of the original creditor to whom the alleged debts are owed and written proof that LVNV Funding has been authorized by the original creditor pertaining to this matter to collect on these alleged debts XXXX Notice of Assignment XXXX.
4 XXXX Copies of the letters they should have sent me upon acquiring these alleged debts with proof of delivery from the postal service or courier they used to deliver said letters.
5 XXXX Explanations and calculations on amounts allegedly owed.
6 XXXX Proof that LVNV Funding is licensed to collect in my state, including license numbers and Registered Agent.
I received no response from LVNV using the address listed by LVNV on my credit reports. A company called Resurgent Capital Services, which claim they manage the accounts for LVNV, responded by sending " account summary reports '' which do not comply with the disclosure requirements of the FDCPA ( see XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX. When I call the phone number reported by LVNV, it connects to Resurgent. The actual corporate entity that claims I owe them money has never responded to my demands for validation and is impossible to contact, yet the credit reporting agencies list this contact information for LVNV as if it is accurate.
I informed Resurgent that according to the FCRA, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed certified consumer contract - any and all accounts they request to be posted and or reported on a credit report, and unverified, invalid accounts must be removed. But since Resurgent Capital Services is not the reporting entity, I assume that LVNV Funding is somewhat akin to a " ghost '' entity they use to circumvent the laws set forth by the FCRA.
I submitted a complaint to the XXXX and Resurgent Capital stated in a response to the XXXX that " all ownership rights were transferred to LVNV when these accounts were purchased from the previous creditors '', but a Notification of Assignment or bill of sale was not presented. Resurgent also stated that " verification of debt with validation '' was mailed to me for two of the accounts, but the documents sent did not constitute proper " validation '' under case law cited above. Resurgent also stated that " validation of debt '' for the other two accounts was not sent to me because I requested they cease contact with me. What I requested was no telephone contact and that all communications be in writing.
On my XXXX credit report dated XXXX XXXX, XXXX these accounts are listed under " First Reported '' in " XXXX XXXX '', perhaps as a way to make the debts look fresh, but Resurgent claims these accounts were purchased in XXXX, and the original amount is not reported, which leads me to opine that Resurgent may be engaging in unconscionable conduct. A chain of custody on these alleged debts has not been provided. I am requesting the written documentation that is proof under established case law that LVNV 's claims are valid, and demand the right to deal with the entity that is listed on my credit reports, which in this case is LVNV Funding, not Resurgent Capital Services.
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| 09/19/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
Lvnv funding LLC, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact.
PROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate!
By definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate.
15 USC 1681s-2 states that you, XXXX company , are a furnisher of information to a consumer reporting agency.
YOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately.
15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect, inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS publication.
SEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt.
My Address is listed below!
15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS!
XXXX XXXX
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| 07/22/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I need to bring you all up to speed with the unprofessional and XXXX developments at LVNV, LVN Funding, Resurgent, and Sherman XXXX, under the expert discriminatory tutelage of XXXX XXXX, XXXX XXXX, and XXXX XXXX. These companies have strong-armed members in my church and the XXXX Americans community.
The latest developments have stricken me with their despicable, vile, and gangster collection practice. They have put a fraudulent debt on my credit file. I wonder why? XXXX lives don't matter to these companies, and they love putting their knees on my neck and my community.
I have a harmful and fraudulent item on my credit report. LVNV Funding, LLC, has vigorously pursued this fraudulent collection account. LVNV subcontracts this unprincipled and dishonorable collection exertion. It is done with companies like Resurgent Capital Services. Debt collectors must send me a debt validation letter when they initiate contact. I have requested this several times.
These are the individuals who should face elongated prison sentences for their egotistical, felonious, and civil comportment repetitions. They have discriminated against many. CFPB based on XXXX and unfair dilapidation practices against minorities.
After careful analysis of data and careful reviews against these companies, many incidence gaps do not transpire with XXXX consumers.
I wonder why? Only on the necks of XXXX and XXXX consumers.
To list the point by point illustrations against my community and me by this criminal enterprise : 1 : They work in tandem to secure funds for their business by collecting debt from XXXX and XXXX consumers.
2 : These companies violate the Fair Debt Collection Practices Act.
3 : LVNV/Resurgent/Sherman makes fabricated statements and representations to pursue fraudulent and illegal debt collections.
4 : In XX/XX/2018, the Consumer Financial Protection Bureau ( CFPB ) has received over 3,600 complaints related to the debt collection practices of Resurgent Capital Services. The typical charges against Resurgent include trying to collect a debt not owed and improper communication tactics.
5 : A XXXX XXXX was used against me from them on a private telephone number, so I could not trace it without the court 's assistance.
6 : Threaten to sue innocent victims.
7 : LVNV/Resurgent calls me at least ten times a day in repetitive sequence back to back. I have informed these lawbreakers to cease calling me due to the manner of provocation, knowing I do not owe this fraudulent debt, and I will handle these illegal actions through all appropriate procedures.
8 : Resurgent/LVNV/Sherman is unable to prove that I owe the debt. / Resurgent/LVNV/Sherman is not authorized by the original creditor to collect the debt. / Resurgent/LVNV/Sherman is using inappropriate language and trying to intimidate me. / Resurgent/LVNV/Sherman is accusing me of criminal behavior and threats of arrest. / Resurgent/LVNV/Sherman has put this negative item on my credit report and stated I am at risk of lawsuits and XXXX. / Resurgent/LVNV/Sherman is calling me at work, harassing my family, friends on social sites, and my coworkers. / Resurgent/LVNV/Sherman calling me before XXXX XXXX. or after XXXX XXXX.
9 : Resurgent/LVNV/Sherman knows it is a fraudulent debt.
Their criminal conducts give me no other choice. I am requesting an earl, timely, investigation, and intervention into a deplorable condition that is too long ignored by these companies. I will be ecstatic to give you all the pertinent information you need.
My request to expedite this criminal injustice after I received this disastrous, distrustful, and discourage credit alert. I am a Veteran and a XXXX XXXX XXXX XXXX and they are treating me like XXXX and putting their knee on my neck. I can not BREATHE!!!
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| 09/04/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; OID is a form of interest. It is the excess of a debt instruments stated redemption price at maturity over its issue price ( acquisition price for a stripped bond or coupon ). XXXX coupon bonds and debt instruments that pay no stated interest until maturity are examples of debt instruments that have OID. As stated in Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments ; The term debt instrument means any instrument or contractual arrangement that constitutes indebtedness under general principles of federal income tax law ( including, for example, a bond, debenture, note, certificate, or other evidence of indebtedness ). It generally does not include an annuity contract.
No contractual arrangement exists with said debt collector and it appears that said debt ( evidence of indebtedness ) was purchased pennies on the dollar from the previous Holder in Due Course/ Payor ; hence, said debt collector was not authorized to furnish private information or assume to be the Power of Attorney regarding myself ( Identity Theft ) ; Consequently, the debt is considered void. Nevertheless, it appears that said debt collector is persistent by way of said consumer credit report stating that a debt is owed. However, said evidence of debt constitutes indebtedness under general principles of federal income tax law. The debt collector is considered the Holder in Due Course/ Payor and are liable for the federally withheld amount of {$8100.00}. Consequently, said debt collector has committed the following violations regarding said debt instrument ( s ) : failed to provide a 1099 OID regarding said debt instrument ( s ), failed to report income, failed to withheld tax, failed to file return, and failed to pay tax.
it is impossible to furnish information to the Credit Reporting
Agencies without first assessing the tax accordingly regarding said debt instrument ( s ) ; Otherwise it is evident that said debt collector knowingly participated in a transaction to effectuate criminal or fraudulent avoidance of tax liability. As the recipient of said debt instrument ( s ), I am being hindered from assessing said tax accordingly by way of form 1099 OID and 1040. Consequently, said debt collector has intentionally impacted ones credit worthiness negatively regarding said debt instrument ( s ) which is considered irrefutable proof that the debt collector does not respect the general principles of the federal income tax law.
Attach you will find Department of the Treasury - Internal Revenue Service Publication 1212 Guide to Original Issue Discount ( OID ) Instruments, Pages 1 and 2 ; Emphasis on the following Definitions ( Circled ) : Original Issue Discount ( OID ) and Debt Instrument, Credit Report regarding proof debt collectors claim of debt which is an evidence of indebtedness which constitutes indebtedness under general principles of federal income tax law ; hence, participated in a transaction to effectuate criminal or fraudulent avoidance of tax liability, and does not respect the general principles of the federal income tax law.
The following forms have been prepared accordingly and are on standby should any issue arise regarding said complaint in association with said debt collector : Department of the Treasury - Internal Revenue Service Form 3949-A - Information Referral and Department of the Treasury - Internal Revenue Service Form 211 - Application for Award for Original Information. All statements/ responses regarding said complaint will be forwarded to the Internal Revenue Service along with said forms in order to substantiate my complaint.
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| 04/02/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LVNV FUNDING LLC RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX : Collection account : XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository thatA could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harasment and I will have no choice but to file suit. All future comunications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove thIS account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX.
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| 12/07/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have repeatedly tried to fix this problem with XXXX. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received none of the information I requested.
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| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. I am disputing the following collection efforts being pursued by LVNV FUNDING LLC /RESURGENT CAPITAL SERVICES Acct # XXXX, in the amount of {$2500.00}.
LVNV FUNDING LLC /RESURGENT CAPITAL SERVICES continues to report inaccurate, negative and derogatory remarks. The reporting of this inaccurate account has caused me severe damage to my character, as well as hurting my reputation, my general mode of living and my ability to obtain credit obligations for personal purposes.
I have contacted them multiple times to remove this inaccurate, negative and derogatory remarks this from credit report and have not received any response. Additionally, I would like to emphasize that I have never had a contract with them or have done business with LVNV FUNDING LLC, and I have no legal obligation with this company There are several violations of the Fair Debt Collection Practices Act ( FDCPA ) committed by LVNV FUNDING LLC.
LVNV FUNDING LLC has violated the following provisions of the FCRA : 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.
15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.
15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
18 USC 1028A- AGGRAVATED IDENTITY THEFT ( 1 ) In general.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
( 2 ) Terrorism offense.
Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.
As well as the following below : LVNV FUNDING LLC has violated the following provisions of the FDCPA : 1. Section 807 ( 2 ) ( A ) - Communication : LVNV FUNDING LLC has engaged in communication that could be considered harassing, oppressive, or abusive in their collection attempts. They have made repeated contact attempts without providing adequate verification of the debt or demonstrating their legal authority to collect.
2. Section 807 ( 3 ) - False Representation : LVNV FUNDING LLC has falsely represented themselves as the original creditor. They are a debt buyer or collection agency that has acquired the debt from the original creditor. This misrepresentation is misleading and violates the FDCPA.
3. Section 809 ( b ) - Validation of Debts : LVNV FUNDING LLC has failed to provide proper validation of the alleged debt upon my request. The FDCPA grants consumers the right to request validation of debts, and LVNV FUNDING LLC has not provided any substantial evidence that they are the rightful owner of the debt or that I am legally obligated to pay them.
Furthermore, LVNV FUNDING LLC is collection agency who states that I have an alleged debt with them. They are a debt buyer or collection agency that has acquires debt from possible original creditors. As such, they have no inherent rights or legal standing to pursue collection efforts against me.
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| 04/18/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX, SC XXXX ( XXXX ) XXXX ( XXXX ) XXXX Re : Acct # XXXX DEAR SIR OR MADAM : This letter is regarding a negative inaccurate account or accounts, which you claim A CHARGE OFF OF XXXX $ FOR XXXX XXXX AND XXXX FOR XXXX .This is a formal notice that your erroneous claim ( s ) is/are now disputed. I ALSO BELIEVE THIS IS DOUBLE JEOPARDY AS IT IS REPORTING A NEGATIVE AND CHARGED OFF IN BOTH ACCOUNTS? I REALIZE YOU SOLD THIS ACCOUNT TO XXXX, HOWEVER BOTH OF YOU ARE NEGATIVELY REPORTING TO THE BUREAUS. SINCE I HAVE NO RECOLLECTION OF SAID ACCOUNT, I DON'T KNOW HOW YOU CAN BOTH CLAIM OWNERSHIP OF ONE FRADULENT ACCOUNT.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?
PLEASE ALSO PROVIDE : 1. What the money you say I owe is for?
2. Explain and show me how you calculated what you say I owe?
3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Prove the statute of Limitations has not expired on this account 5. Show me that you are licensed to collect in my state 6. Provide me with you license numbers and Registered Agent.
Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
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| 01/26/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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To whom it may concern LVNV FUNDING LLC you are in violation of the FDCPA you are in violation of my consumer protection rights as a federal protected consumer remove this account that you have on a consumer from all three major credit bureaus immediately XXXX, XXXX, XXXX Pursuant to 15 U.S. Code 1692a Definitions The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.
LVNV FUNDING LLC are debt collector pursuant to federal law.
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Pursuant to 15 U.S. Code 1692e.Falseor misleading representation A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( A ) the character, amount, or legal status of any debt ; or If it is a debt LVNV FUNDING LLC that is owed like you ( allege ) all charges you say I owe should be shown in the negative. This will be a False or misleading representation and this is violation Under FEDERAL LAW.
Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except I am CEASE and DESIST all further communication with you LVNV FUNDING LLC remove this account on the consumer from all three major credit bureaus immediately from XXXX, XXXX, XXXX. LVNV FUNDING LLC bureaus are use as a medium for communication so remove this account immediately.
18U.S.Code8-Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps .
Anything that is alleges owe is obligation of the UNITED STATES LVNV FUNDING LLC 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; LVNV FUNDING LLC me my check for violating my consumer protection rights and for the actual damages you cause me and my family. Invoice will be sent for {$100000.00} to your corporation.
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| 04/04/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX I received a letter on XX/XX/XXXX from Resurgent Capital Services. There were XXXX pages : One dated XX/XX/XXXX was sent to an address in XXXX ( notice of assignment ) One dated XX/XX/XXXX I called Resurgent at XXXX ( XXXX ) XXXX around XXXX XXXX XXXX and tried to tell them that they had the wrong person. They asked for the last four digits of my SSN, and I did not provide that information. They told me to call XXXX to see if they could help.
I called XXXX XXXX ( XXXX ) XXXX around XXXXXXXX XXXX XXXX and spoke to XXXX. I tried to explain that I had received letters and that they had the wrong person. He asked for an account number, I provided the last four digits for the account that I had. He could not pull up the account and suggested I email their corporate office for help at XXXX. I did not email them. Instead, I leveraged a legal benefit I have with my employer. I open a case to get legal help with financial matters. I was assigned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA, XXXX ( XXXX ) XXXX XXXX Legal case information : Member ID : XXXX Case Number for Debt/Identity Theft Matters : XXXX I called the number ( XXXX ) XXXX around XXXX XXXX XXXX and left a voice mail. I received a call around XXXXXXXX XXXX XXXX from XXXX XXXX XXXX. I explained the situation, and he advised me to ignore the letter as it was not seeking to collect payment. He suggested if I receive another letter, to dispute the claim.
XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX stating I owed them {$580.00} from XX/XX/XXXX. They had some instructions on ways for me to resolve this. I sent them a certified letter ( XX/XX/XXXX ) and a copy of the letter they sent me in which I marked I did not own the debt. The letter I sent them was a suggestion from a claim I filed against them online with Consumer Financial Protection Bureau ( XXXX ). They received my letter on Monday, XX/XX/XXXX. I received an electronic delivery confirmation for this letter.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX responded to my claim with XXXX ( claim # XXXX on XX/XX/XXXX and stated that Upon review, XXXX XXXX XXXX XXXX XXXX ( XXXX ) received XXXX XXXX account in our office on XX/XX/XXXX, for service. Our client reflects the Debt description as : XXXX XXXX with a balance of {$580.00}. Per our records, the account reflects an open date of XX/XX/XXXX. XXXX acknowledges that XXXX XXXX disputes the account and per his request, we have placed his telephone numbers onto our internal Do Not Call list to ensure that we cease communications regarding this matter. XXXX XXXX XXXX will no longer service this account.
XX/XX/XXXX Today I received two letters from Resurgent Capital Services in the mail. One letter shows the debt assigned to XXXX XXXX from XXXX, Fl. The other letter seeks to collect payment from me. I ticked the box to dispute the box as this is not my debt.
I am sending them a similar letter that I sent XXXX XXXX XXXX XXXX XXXX based on the template I found on the CFBP website via certified mail that I do not owe this debt and that they have never provided evidence that it is my debt. The letters they sent me that I received on XX/XX/XXXX were addressed to a person that has my same name but lived in XXXX, FL. I have never lived or owned property in Florida. I have also never used XXXX or purchased their products. These letters do not prove that I incurred this debt. They show that someone with a similar name may have used XXXX in the past.
The other complaints I filed through the CFBP site on XX/XX/XXXX are : XXXX ( XXXX, which is still open ) XXXX ( XXXX XXXX XXXX XXXX - they closed the claim as they know I am not the person they are looking for ).
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| 01/02/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX, GAXXXX LVNV FUNDING LLC XXXX XXXX XXXXXXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX RE : Account # XXXX ( {$620.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
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| 10/17/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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XXXX XXXX XXXX filed a lawsuit against me at an address I haven't lived at in years on behalf of CACH , LLC. I called the court and let the courts know, and they put a note in my account and also requested that all court dates be virtual going forward and they told me to call XXXX XXXX XXXX to find out what the charges are for. I then called XXXX XXXX XXXX to let them know that I do not live in NY state. I also knew nothing about the charges so I asked them what the charges are for. They read off a creditor name that I did not recognize and asked me to pay somewhere upwards of {$3000.00} for these charges. I still do not know what the charges are for. I informed them that I live across the country, and have not lived at that address in years. I then asked for the dates of these charges, and the date of delinquency/last payment. They said the date of delinquency was in XXXX, which would be past the NY State statute of limitations, ( which is 3 years ), and past the FDCPA statute of limitations ( which is 7 years ). When I brought this up, the person I spoke to, got agitated and said they were not a lawyer. I then asked to speak to the lawyer, as I'm a pro se self represented litigant. She said " he's not here right now ''. I mentioned the statute of limitations again, and they told me to work it out with them ( right then and there ) or " just go to the courts then '' knowing I live across the country ( in a completely different time zone ) and I would spend more money on plane tickets and transportation to even get there and back. I also have a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and can not just fly whenever I feel like it. I can provide my hospitalization records to show that, if needed. I requested a call back last week, so I could speak to the proper lawyer, and I have not received any call back yet. The line also disconnected when I was trying to confirm the call back number to speak to them. I think XXXX & XXXX said the creditor name was XXXX XXXX XXXXXXXX '' but I'm not 100 % sure because the person I spoke to muttered the name. I called CACH , LLC at their XXXX number on XX/XX/XXXX, but was unable to get much help because I had to know what type of account it was. I finally got through to someone in the queue and they gave me a different creditor name of XXXX XXXX. I also informed them that I am out of state as well. I told them that I do not recognize that creditor name either. They initially agreed to send to me a copy of the contract documents today ( XX/XX/XXXX ) .... ( and after the lawsuit has already been filed ) so I could see what the account charges are for. I also gave my current address, where I have paid to have mail forwarded for a few years, and I have not seen anything from CACH or XXXX XXXX XXXX on this matter. I also asked for all original documentation. They put me on hold. They came back on the line and stated that they actually want to hold off on sending me the contract documents for now so the account can be reviewed ( I'm not entirely sure what that means ). They also told me they would possibly be recalling the account from XXXX XXXX XXXX XXXX and to call them back in 72 hours to get an update. They said they were not denying my request for the original documentation, but to give them a few days since there has been a lot of back and forth and a lack of information, that should have been discussed and/or presented prior to getting sued. I also expressed again that I was hospitalized with a pulmonary embolism and that I do not fly due to that health reason. I have XXXXXXXX XXXX even when im on the ground. I expressed how frustrating this is to be sued for something and not know exactly what it is for.
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| 01/29/2017 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have made every possible attempt to contact this collection agency ( operating under the name LVNV ) to validate an alleged debt. After not receiving a Dunning letter when they supposedly acquired the debt, I sent multiple letters attempting to validate the debt by requesting such information as verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, a copy of the written agreement that created my original requirement to pay ; A copy of the last billing statement sent to me by the original creditor. If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. Identify the date and amount of the last payment made on this account. Additionally I believe LVNV Funding violated the Massachusetts debt collector licensing statute by engaging in debt collection without first obtaining a license from the Massachusetts Division of Banks, as required under Massachusetts General Laws chapter 93, section 24A.. Does the firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. The letter I sent requesting this information was returned to me. I have also filed multiple disputes with the major credit reporting agencies XXXX, XXXX and XXXX ... each time the information sent in response to my attempted correspondence has been vague, tacit, ambiguous, unclear and i believe deliberately unspecific to avoid the requested details and information requested to validate this debt and their legal right to collect debts in this state. For these reasons they very much appear to be not only reporting an unverified debt to the credit reporting agencies ... .but in addition to that, they are possibly engaging in illegal collection activities without being properly licensed from the Massachusetts Division of Banks, as required under Massachusetts General Laws chapter 93, section 24A to collect debts from residents in this stat.
I have reviewed the response made by the business in reference to complaint ID XXXX, and have determined that this does not resolve my complaint.
As a residence of Massachusetts I find the response and attatched documents to my request of debt verification to be insufficient in accordance with the state of Massachusetts debt collection regulations statute, - 209 CMR 18.00 Conduct of the Business of Debt Collectors and Loan Servicers, specifically 209 CMR 18.18 regarding Debt Validatoion.
XXXX The following documentation is required by the State of Massachusetts Required to Validate a Debt per 209 CMR 18.18 : XXXX A debt collector shall provide to a consumer or any attorney for a consumer within five business days the following : ( a ) All papers or copies of papers and electronic records, in the possession of the debt collector which bear the signature of the consumer and which concern the debt being collected ; and ( b ) A ledger, account card, or similar record in the possession of a debt collector, whether paper or electronic,
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| 06/27/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX, XXXX, XXXX XXXX on behalf of XXXX XXXX XXXX, who is collecting on behalf of XXXX XXXX INCwas required to notify me prior to XXXX XXXX XXXX, or no later than 30 days after XX/XX/XXXXfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section XXXX ( p ) XXXX U.S.C. ss XXXX ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX XXXX XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section XXXX ( p ), XXXX U.S.C. ss XXXX ( a ) ( 7 ) ( B ) ( I ). XXXX broke commercial law under XXXX? XXXX that all notices were timely and properly given by dated certified mail receipt. They were not met. First, I never received any correspondence from XXXX XXXX, XXXX, XXXX XXXX.
A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( emphasis added ). A weaker presumption arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. Id. In the absence of actual proof of delivery, receipt can be proven circumstantially by introducing evidence of business practices or office customs pertaining to mail. United States XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). This evidence may be in the form of a sworn statement. Id. at XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Cir. XXXX ) ( a sworn statement is credible evidence of mailing for the purposes of the mailbox rule. ). However, because the presumption is weak where proof of receipt is attempted solely by circumstantial evidence, we require the affiant to have personal knowledge of the procedures in place at the time of the mailing. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ).
The use of certified mail gets the benefit of the presumption only as long as the return receipt is presented.
See, e.g., XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Az.XX/XX/XXXX ) .Please see attached pdf documentation EXHIBITS.
Second the FDCPA ( XXXX XXXX. XXXX ( a ) states Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I have not given either company the above written consent to contact me in connection with the collection of any debt alleged. Furthermore in the letter sent the name spelled is XXXX XXXX my name is spelled XXXX XXXX. I have no known relationship with these companies LVNV FUNDING, LLC, XXXX XXXX, and am unaware of how they have obtained my personal identifying information with my knowledge and/or consent. Also, XX/XX/XXXX failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section XXXX ( XXXX ) & FDCPA? XXXX, which is {$1000.00} per violation and the state of TX allows treble damages. Under? XXXX. Validations of date and Mini-Mirandi under Section XXXX ( 1 ) XXXX XXXX XXXX, Owner failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
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| 10/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX XXXX XXXX Fair Debt Collection Practices Act : XXXX : XXXX CREDITOR CONTACT INFORMATION : LVNV FUNDING XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX THIS COLLECTION SHOULD BE VOIDED DUE TO MY COVID 19 ISSUES, THE LENDER CAN OBTAIN REMUNERATION FOR THIS ACCOUNT FROM THE FEDERAL DEPOSIT INSURANCE CORPORATION . THIS ACCOUNT MUST BE DELETED DUE TO COVID 19 HARDSHIP.
Please be advised that this is not a dispute, but a request to review the above listed tradeline, collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community, but as there are over XXXX, ( XXXX ) individuals just in the United States alone that depend on fairness on credit reporting, and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus, XXXX, XXXX, XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me, should be removed without exception. However, I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases, the 84-month timeline is valid, and my account, if showing a late payment within that 84-month timeline means under FCRA that the account should be removed, or if still a current account, brought to positive status. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 11/03/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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On XXXX XXXX, XXXX XXXX XXXX obtained a mortgage for the property located at XXXX XXXX XXXX XXXX New Jersey XXXX with XXXX XXXX XXXX as the servicer. On XXXX XXXX XXXX XXXX XXXX XXXX joined as tenant owner of XXXX XXXX XXXX XXXX New Jersey and a new deed was recorded and filed. On XXXX XXXX the loan was transferred to XXXX.
On XXXX XXXX, XXXX XXXX XXXX made a private payment to XXXX. Shortly thereafter the loan was satisfied and a lien release letter was sent to XXXX XXXX XXXX XXXX XXXX New Jersey to vacate the mortgage and the mortgage was discharged on XXXX/XXXX/XXXX.
On XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX were served with a complaint from XXXX. and XXXX XXXX XXXX. on behalf of XXXX and XXXX XXXX firm representing Resurgent Capital who is a third party debt collector and not a mortgage servicer. Resurgent Capital Services is a collection agency who buys portfolios of old debt from banks for pennies on the dollar and tries to collect the full amount from consumers, plus interest, penalties, late fees, etc. According to Resurgent it is a manager and services domestic and international consumer debt portfolios for credit grantors and debt buyers.
This complaint contained erroneous information. Resurgent Capital Services is a violator of the Federal Debt Collection laws as the Fair Debt Collection Practices Act ( FDCPA ) states it precludes third party debt collectors from using false, misleading, deceptive, and harassing debt collection tactics. To Resurgent, XXXX XXXX XXXX is data, no more than an entry on the spreadsheet. Unfortunately for Resurgent Capital Services entries on a spreadsheet are not enough to file a claim against XXXX XXXX XXXX and XXXX.This complaint stated that XXXX XXXX failed to pay Resugent Capital but XXXX XXXX has never done business with Resurgent Capital. The complaint also states mortgage was transferred from XXXX to Resurgent to service this loan. Again this information is false and XXXX XXXX has evidence that this loan was never serviced or transferred to Resurgent Capital. Resurgent Capital is not and has never been assigned to service the mortgage of XXXX XXXX XXXX XXXX New Jersey. The complaint also states XXXX XXXX never made any mortgage payments prior to paying the mortgage in full and Resurgent Capital request the original mortgage amount be reinstated and did not take in account any and all payments that were made by XXXX XXXX XXXX. Again this information is false.
Resurgent Capital must meet the burden of proof based on " Personal Knowledge ''. Personal knowledge means that the person offering evidence on behalf of Resurgent Capital Services must be a witness to the event shown in the complaint.
On XXXX XXXX, XXXX the motion submitted by XXXX and XXXX law firm asking the Judge for a summary judgment to cancel the vacate of lien release for property XXXX XXXX XXXX XXXX NJ XXXX for XXXX XXXX and XXXX XXXX, was dismissed by Judge XXXX pursuant to Rule XXXX ( Counsel does not have personal knowledge of these facts which were in the complaint and the certification was not sufficient ).
This complaint was written in fraud and the attorneys were aware of this. As attorneys representing Resurgent Capital, they had a duty to investigate the claims brought forth in this complaint. Once they were aware of the fraud perpetrated by Resurgent the attorneys had an obligation to withdraw this complaint and they failed to withdraw.These attorneys made statements such as, " XXXX failed to make payments on the mortgage loan but rather submit counterfeit money order to XXXX ''. The statement is false. These attorneys also make mention of XXXX being in the XXXX XXXX,
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| 08/23/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom it May Concern, I am writing this letter voluntarily and of my own free will. I've discovered that my credit reports include errors, and the FCRA statute requires that they be checked by real people rather than computer programs. Speaking with people I know will serve as verification, as secondary credit reporting organizations ' information is frequently wrong. As the source of this material, I demand that it be deleted right away.
1. Offer proof of the debt, such as real accounting.
2. A signed invoice serving as proof of their claim against you.
3. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery.
This letter is to inform you that the below referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.
I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.
Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
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| 02/04/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LVNV FUNDING LLC XXXXXXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 07/10/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 07/04/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT " LVNV Funding LLC '', you are furnishing inaccurate and incorrect information about me.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.
You and your inaccurate reporting have damaged my livelihood.
15 US Code 1681s-2- Responsibilities of Furnishers of Information to consumer Reporting agencies.
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something.
As Defined by the IRS Even if you didnt receive a Form 1099-C you must cancel debt as gross income on your tax return.
The IRS clearly defines a charge-off as Gross or Ordinary Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT!
By Definition The IRS clearly says a Canceled Debt or Charge off is Income. The Reporting of this account as a debt is inaccurate.
15 USC 1681 s-2 Says you, LVNV Funding LLC are a furnisher of Information to a consumer reporting agency.
You are PROHIBITED BY LAW Furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.
15 USC 1681 S-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on Notice that you are furnishing incorrect inaccurate information.
The lender must file Form-1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS 2021 publication.
SEND ME MY FORM 1099-C that you should have sent, when you Filed this account as a canceled debt.
My Mailing Address is Reference at the top of the first letter.
15 U.S. Code 1681s-2- ( a ) Duty OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information.
The continued reporting of this information is a clear violation of the Law 15 USC 1681s-2 of your grave responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous, inaccurate account from my consumer report.
You have 10 Calendar Days to Delete this Account from my Consumer Reports!
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX
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| 07/05/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone
contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 07/03/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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RESURGENT/LVNV FUNDING is a 3rd party collection agency for a company known as XXXX XXXX XXXX, which is reflecting on my XXXX credit report under a profile that does not match mine ( last name, address, phone, employer, etc. ). Upon contacting XXXX by phone ( XX/XX/XXXX ) and disputing my profile information, I was instructed to send documentation ie., utility bill, DL, or state ID verifying my identity in order to correct my credit file. I also contacted Resurgent/LVNV FUNDING LLC by phone ( XX/XX/XXXX ). I informed the representative that I was never known by the last name on the account, never lived at the address of the account holder, the phone number given was not mine nor did I recognize the company " XXXX. '' I requested proof of debt ; e.g an invoice, signed contract/agreement, statement, etc. ; documentation with my legal name on it, showing that this debt belongs to me. I was told I would receive it in 3-5 business days. During my wait, I sent XXXX the documentation that was requested along with a letter identifying the error in question via USPS Certified mail. Since I had not received correspondence from Resurgent, on XX/XX/XXXX, I sent a request letter for proof of debt via USPS certified mail, since I had not received correspondence from LVNV FUNDING LLC /Resurgent. On XX/XX/XXXX, I received an " Identity Theft Affidavit ''. I immediately contacted LVNV FUNDING LLC/Resurgent by phone explaining that I am not a victim of identity theft and I did not request an XXXX, I requested " PROOF OF DEBT ''. I was again, told I would receive it within 5-10 days. As of today, XX/XX/XXXX, I have not received any proof that the collection account belongs to me, but I did receive a vague, general email response from XXXX in which was noted on my consumer report as " verified ''. A " Before and After '', scenario ; which is copied and pasted as follows : BEFORE RESURGENT/LVNV FUNDING Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX AFTER : RESURGENT/LVNV FUNDING Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$290.00} past is due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$290.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$290.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount Date Opened Collection account. {$290.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$290.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$290.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount At no point has Experian or LVNV FUNDING LLC/Resurgent proven that this debt belongs to me. It is the only credit account out of all of my creditors that is reflecting a profile that doesn't match mine. The back-and-forth with these companies is getting exhausting. I have come to the conclusion that 3rd party collection and/or consumer reporting agencies are not regulated close enough to ensure that the information is correct. In my opinion, there should be stiffer mandates in place in which consumer reporting agencies should be required to legally validate the source in which consumer information is received. These agencies shouldn't be legal, but I'll leave that to the politicians ; it's all about MONEY anyway. My expected resolve is any legal document, with my legal name reflecting a collaborative agreement for a credit account with XXXX/Resurgent. In addition, I need XXXX to CORRECT their ERRORS or verify with legal documentation.
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| 01/12/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PYOD LLC XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX o
r XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 02/05/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
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| 09/15/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if
applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
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| 07/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a consumer, a natural person pursuant to 15 USC 1692a ( 3 ). Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. Everything that is on my credit report should be 100 % complete and accurate. I have sent multiple letters to LVNV FUNDING LLC who also do business as Resurgent Capital Services demanding " Documentary Evidence '' asking for proof regarding accounts in questions that is being furnished on all 3 of my credit reports claiming that I owe an alleged debt. Pursuant to ( FDCPA ) Fair Debt Collections Practice Act, LVNV FUNDING LLC or Resurgent Capital Services have failed to provide : 1. Ownership of alleged debt owed.
2. Please furnish a copy of the original promissory note redacting my social security number to prevent identify theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
3. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.
4. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
5.Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.
6. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
7. Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are nontransferable.
8. Please provide verification from the stated creditor that you are authorized to act for them.
LVNV FUNDING LLC and/or Resurgent Capital Services have violated my consumer rights to privacy with false, deceptive, or misleading representation, identity theft and fraud. Below are a few violations by LVNV FUNDING LLC and/or Resurgent Capital Services.
Pursuant to 15 U.S. Code 1692b ( 5 ) .Acquisition of location information.
Pursuant to 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection.
Pursuant to 15 U.S. Code 1692d ( 5 ) - Harassment or abuse.
Pursuant to 15 U.S. Code 1692e ( 10 ) .False or misleading representations.
As a result of the harassment by LVNV FUNDING LLC and/or Resurgent Capital Services, I have been damaged Financially, Socially and Emotionally.
I am demanding ALL accounts in question be removed from ALL 3 of my consumer report.
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| 08/28/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX closed this consumer account with a balance. XXXX XXXX keeps reporting this account as a charge off. Under 12 CFR 1026.11 any creditor that terminated a consumer account with a balance over a {$1.00} it is due to the consumer. 12 CFR 1026.11 - Treatment of credit balances ; account termination. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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| 01/01/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 09/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I had received a notice in the mail from XXXX XXXX XXXX ( dated XX/XX/2019 ) on or about XX/XX/2019 indicating that an account allegedly owned by me had been placed with them for collection. The current creditor name listed on the notice from Frontline was LVNV Funding LLC and the original creditor name was listed as XXXX XXXX XXXX XXXX. The alleged amount owed was {$630.00}. I do not have any account, contract, or business relationship with XXXX XXXX XXXX, LVNV Funding or XXXX XXXX XXXX. I disputed this debt within 30 days of receipt of their letter and on XX/XX/2019 I had sent XXXX XXXX XXXX a written notice requesting validation of this debt and had sent it via USPS Certified Mail with signed delivery confirmation requested. I had indicated that this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I requested that their offices provide me with competent evidence that I have any legal obligation to pay them. I had specifically requested that they provide me with a copy of the agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor as well as a copy of the agreement with their client that grants them the authority to collect on the alleged debt. I had received signed delivery confirmation from the U.S. Postal Service indicating that my correspondence to XXXX XXXX XXXX was received and signed for on XX/XX/2019.
XXXX XXXX XXXX had then responded via a letter dated XX/XX/2019 and indicated that the attachments and information provided with this letter is information that your current creditor is able to provide to us for you at this time. XXXX had attached copies of billing statements for a XXXX XXXX account with their correspondence, however, they had failed to provide the requested verification of any signed contract or agreement that bears a signature. In essence, they essentially admit that they are unable to provide proof of a signed contract at this time since the only information provided by them was copies of billing statements. Copies of billing statements are not sufficient proof of a legally binding signed agreement or contract.
On XX/XX/2019, I had also received a letter from Resurgent Capital Services indicating that they manage the account for LVNV Funding LLC and that they had initiated a review of the inquiry they had received.
On XX/XX/2019, I had received another letter from Resurgent Capital Services indicating that they received a recent inquiry regarding the account and have enclosed an account summary which provides verification of debt. They had failed to provide verification of a contract or agreement that bears a signature.
Since XXXX XXXX XXXX and all of the affiliated entities involved with my request for verification of this debt ( LVNV Funding and Resurgent Capital Services ) have all failed to provide competent evidence and proof of a signed contract or agreement, I hereby am requesting that all collection activity by XXXX XXXX XXXX, LVNV Funding and Resurgent Capital Services immediately cease and desist. I am also demanding that this account which is currently showing on all three of my credit reports from XXXX, XXXX and XXXX as a negative collection item under the name of LVNV Funding LLC be immediately and indefinitely removed from all of the credit reporting bureaus since XXXX XXXX XXXX, LVNV Funding and Resurgent Capital Services are all unable to provide competent proof of a signed contract which proves legal ownership of the stated account.
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| 11/25/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I recieved a letter on appx XX/XX/XXXX from XXXX XXXX XXXX.
It stated that on XXXX LVNV funding LLC has acquired my acct. It also stated it was from a debt collector but however at this time it isn't an attempt to collect a debt. I called them the same day and requested information on this debt. I also mailed a letter of dispute. I requested the acct information, signed contract from original creditor, all the acct statements from opening until closing of the acct. I didn't recall having this acct. I also asked for the signed and dated bill of sale notarized and the affidavit. I never received anything.
On or around XX/XX/XXXX I received a phone call from XXXX XXXX XXXX. I disputed the debt and requested all the documents I requested from Resurgent and also told them I already disputed it with Resurgent and was waiting on the information I requested in the letter.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX. It stated I owed {$5800.00} and to call or pay online. It did have the 30day notice on it. I called them on XX/XX/XXXX and disputed it with them. I received on XX/XX/XXXX a packet from XXXX XXXX XXXX and in contained in lt the XXXX statements and nothing else.
On XX/XX/XXXX I called XXXX XXXX XXXX and informed them that they didn't send all the documents I requested. On XX/XX/XXXX I sent XXXX the same letter I sent to the prior two company 's. I disputed the debt and requested the same item 's.
On XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX requesting payment and to make arrangements. I called them the same day and explained to them I am disputing the debt and I have already sent letters to two other companies. I requested all the information again from the third company. On XX/XX/XXXX I mailed them the same letter as the other two companies.
This was also listed on my credit report and is disputed and noted on my credit report.
LVNV should have been notified by credit bureaus again.
On XX/XX/XXXX I received a flyer in the mail from a credit repair company out of XXXX, Fl stating I was being sued and they could help. I immediately looked up XXXX county records were I live to see what it was. It was listed that XXXX XXXX XXXX XXXX has filed a small claims law suit against me for LVNV Funding LLC. I immediately called them and asked for information. I was told they sent a letter out several months ago and my 30 days were up and I can't do anything about it. Since I didn't reply it falidates the debt. I disagreed with them. I explained to them I never received any letter from them and I have been disputing this with 3 different companies all controlled by LVNV Funding LLC. I was still waiting for information from the last company I sent a letter to. They did send me some documents as requested but were all generic looking stuff. It looked like a 3rd grader made a spread sheet. I called them back and told them I am still disputing it and can I please get the proper documents already. We have a pretrial mediation coming up. I have called them back several times and explained to them I need the actual contract, the bill of sale and not one that looks like the name was copied. I requested the same as the other letters I sent out. I also let them know I will be sending a letter and requesting the same items and also proof that the even sent me a letter. I also let them know they filed and unjust suit against me with out proper evidence and violation of a disputed account.
LVNV funding LLC is all over the placing being sued for on ethical practices, false evidence and many other items.
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| 07/30/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am writing to file a formal complaint against Resurgent Capital Services L.P. ( Debt Collection Agency ) in direct response to their letter dated XX/XX/2023. The unsatisfactory and inadequate response from Resurgent Capital Services L.P. in attempting to validate the debt associated with the above-referenced account is the final straw in their continuous disregard for consumer rights, which is now met with forceful action.
Statements Are Not Verification of Debt : Resurgent Capital Services L.P. 's audacity to claim that an account summary constitutes proper verification of the debt is not only erroneous but also insulting to the intelligence of consumers. I am well aware that credit card statements or an account summary do not even come close to meeting the stringent standards for proper debt validation set forth by the Fair Debt Collection Practices Act ( FDCPA ) a law enacted to safeguard consumers from such misleading tactics.
Demand for Proper Debt Validation : I demand that Resurgent Capital Services L.P. ceases its deceptive practices and promptly provides me with legitimate and irrefutable validation of the alleged debt. Their verification must be in strict compliance with the guidelines outlined in the FDCPA, which include but are not limited to : a ) Verification of the Original Creditor : They must furnish documentation that establishes the identity and contact information of the original creditor, along with any account numbers or references associated with the alleged debt.
b ) Detailed Account Information : They are obliged to present a comprehensive statement of the account, which encompasses a breakdown of the principal amount, interest, fees, and any other charges claimed to be owed.
c ) Signed Agreement or Contract : They must submit a copy of the signed agreement or contract that substantiates my obligation to pay the alleged debt.
d ) Proof of Assignment : They are required to provide documented evidence confirming their legal authority to collect the debt on behalf of the original creditor if the debt has been sold or transferred.
e ) Itemized Transaction History : I demand a complete itemization of the debt, encompassing all relevant transactions, payments, and adjustments related to the account.
f ) Schedules RC-Balance Sheet, RC-E-Deposit Liabilities, RC-C-Loans & Leases, RC-L-Derivatives, and off-balance sheet items, RC-S-Servicing, securitization, and asset sale activities : They must promptly exhibit the relevant portions of these records, as mandated in the debt verification process. I reiterate that these records are required under 12 U.S.C. 1817 ( a ) ( 1 ) ( Federal Deposit Insurance Act ) and are critical in validating the debt 's authenticity.
g ) the tax reports on the capital gains re-issued on the securities, an unaltered copy of the original security, the cash receipt required under UCC 3-501 ( b ) ( 2 ) ( iii ) and FASB Statement of Financial Accounting Standards Number 95 disproving that Resurgent Capital Services L.P enjoyed accord and satisfaction of its claim ( s ).
Compensation for Damages to Credit and Reputation : Resurgent Capital Services L.P. 's malicious reporting of unverified debt information to credit bureaus has caused severe damages to my creditworthiness and reputation. As such, I demand full compensation for the losses incurred as a result of their illegal and unjust actions. The Fair Credit Reporting Act ( FCRA ) entitles consumers to seek damages for violations, and I intend to hold Resurgent Capital Services L.P. fully accountable for their actions.
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| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. ( XXXX ) the use of obscene or profane language or language the natural consequence of which is to abuse the hero or reader 15 USC 1692 b Section ( XXXX ) Any debt collector shall not state that such consumer owes any debt. Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( XXXX ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC XXXX C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt. abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy. communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX o'clock and before XXXX o'clock post meridiem. A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications. Cease and desist all communications with me as a consumer under my consumer rights I WOULD LIKE THE original contract for this account and I would like all information validated for this account as I do not know this account I would like all recorded information on this account I would like date, time, place where the contract was made, the signature of the person who signed the contract and any and all information that has anything to do with this account I also ask that you not contact me. I asked that you not give any third party such as credit bureaus any of my personal information as is my right as a consumer. 15 USC 6802 subsection ( A ) notice of requirement states, except as otherwise. 15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial
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| 07/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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After reviewing my credit files with the credit bureaus, there was some inaccurate information being reported against me. I believe that I am a victim of identity theft because the account ( # XXXX ) with XXXX XXXX Bank which is now in collections and sold to LVNV Funding LLC ( reference # XXXX ) is not associated with and does NOT belong to me.
My full legal name is XXXX XXXX XXXX. I have gone by XXXX XXXX XXXX or just XXXX XXXX. Those are the only names Ive used when applying for credit or in my personal life. My current address is : XXXX XXXX XXXX XXXX XXXX MO XXXX and I have been here since XX/XX/XXXX ( XXXX XXXX ) ; previously stayed at a friends house located at XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX ) ; and prior to that my home was XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XXXX XXXX to XXXX ( XXXX ). I filed bankruptcy XX/XX/XXXX and because the home I owned was in foreclosure proceedings, its ownership transferred back to the bank. Again, I moved from this address in XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. To establish validity and a clear timeline of events, in XXXX when this account was opened and credit extended/ granted, I was not living at XXXX XXXX XXXX XXXX. It has now been 7 years since that was my home. The places Ive resided at can be verified several ways thru address changes at XXXX, voter registrations, personal property assessments, tax returns filed and employment verifications. My primary and only phone is cellular ; the number is XXXX. My state ID was renewed and issued XX/XX/XXXX. I am including copies of my drivers license, assessment department address change completed in XXXX as well as XXXX personal property tax receipt proving current address. I began working at XXXX XXXX as a customer service representative XX/XX/XXXX and am enclosing a photocopy of my employee ID to corroborate my current employment as well as my hiring/ training correspondence including travel confirmation round trip with return XX/XX/XXXX. XXXX was XXXX weeks in XXXX XXXX TX.
The above referenced account was opened while I was out of state. There is no XXXX XXXX Bank in Kansas XXXX. The account does not belong to me and I never opened or applied for credit with XXXX XXXX Bank, LVNV Funding LLC, or XXXX XXXX XXXX. The debt is not mine/ does not belong to me. I NEVER benefited or received any merchandise, products, or items including lines of credit, loans, or finances and NEVER signed for or accepted any goods or services since I did not conduct business with these companies. Please supply the address where the purchases took place or where items/ products were shipped to? Where was the credit card mailed to because I never received or used it? Arent creditors supposed to verify income and job and position/ title? What employment and salary information was given including home address and phone number at time of application when this fraudulent account was opened and credit was extended/ granted? Was there a photo id or signature verification provided? Was it done in-store/ in-person or online? What email was given? How are applicants qualified/certified and credit decisions confirmed/ substantiated? Id like some answers.
I will be in contact with the Consumer Financial Protection Bureau and have submitted an Identity Theft Report through the Federal Trade Commission ( FTC Report Number XXXX ).
I am disputing the FULL account in its entirety. I request that you prove this debt is mine or PLEASE delete/ remove this from my credit report/file immediately.
Respectfully, XXXX XXXX XXXX
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| 07/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws.
Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number.
Address on file for alleged debtor Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards
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| 10/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Subject : Formal Complaint and Notice of Violations of the Fair Credit Reporting Act ( FCRA ) I am writing to express my deep dissatisfaction and frustration regarding the repeated harassment and unjust collection attempts made by LVNV Funding LLC ( hereafter referred to as " LVNV '' ) in relation to alleged debts that are not owed by me. I initially filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023, regarding this matter. The accounts listed under reference numbers XXXX and XXXX were removed from my credit reports after this initial complaint. Despite this, LVNV has once again reported these debts on my credit reports without sufficient evidence to establish their validity.
My primary concern is that LVNV has failed to provide me with proper documentation demonstrating my obligation to pay these alleged debts and a contractual agreement between myself and LVNV. I have repeatedly requested LVNV to furnish this information as required by law, but to date, they have not complied with my requests. These debts are not mine, and I have no legal obligation to pay them.
Furthermore, it has come to my attention that LVNV has violated various provisions of the Fair Credit Reporting Act ( FCRA ), a federal statute that governs the accuracy and fairness of credit reporting. LVNV 's actions have caused severe emotional distress and financial strain, impacting my ability to achieve my financial goals and maintain my financial stability.
The following are the specific FCRA violations committed by LVNV Fundi
ng LLC : Failure to Provide Validation : LVNV has repeatedly failed to provide adequate validation of the alleged debts, as required by FCRA Section 611 ( a ) ( 5 ) ( A ), thereby violating my rights under this section.
Re-Reporting Disputed Information : LVNV 's re-reporting of the disputed debts without sufficient evidence and in disregard of my initial complaint to the CFPB constitutes a violation of FCRA Section 611 ( a ) ( 5 ) ( B ).
Willful Noncompliance : Given the repeated nature of LVNV 's violations, it appears to be a willful noncompliance with FCRA regulations, constituting a willful violation under FCRA Section 616.
I want to make it clear that I take these violations seriously, and I am prepared to pursue legal action to protect my rights and seek redress for the harm caused. Under the FCRA, I am entitled to statutory damages of {$1000.00} per violation, and I may seek additional compensation for the emotional and financial distress that this matter has caused.
In light of the above, I demand the following actions be taken by LVNV Funding LLC : Immediate removal of all references to the disputed debts ( account numbers : XXXX and XXXX ) from my credit reports.
A written response within 30 days of receiving this letter, providing valid documentation demonstrating my legal obligation to pay these debts.
A written acknowledgment of your FCRA violations and a commitment to cease any further reporting of these disputed debts to credit bureaus without valid proof of their validity.
Compensation for the emotional distress, financial strain, and hindrance to my financial goals caused by LVNV 's actions.
Failure to address these concerns within the stipulated time frame will leave me with no choice but to pursue legal remedies available under the FCRA.
I anticipate your immediate attention to this matter and request that all communication from LVNV Funding LLC be in writing going forward to maintain a record of our interactions.
Sincerely, XXXX XXXX XXXX
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| 07/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws.
Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number.
Address on file for alleged debtor Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards
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| 10/04/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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On XXXX XXXX XXXX XXXX XXXX sent me the consumer [ XXXX XXXX ] a letter about an alleged debt. After looking into the alleged debt in XXXX XXXX for the account # XXXX I found that I had disputed this same alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Furthermore, XXXX XXXX XXXX is being deceptive with the account number using one variation of the alleged account number in the credit reporting agency XXXX XXXX and another variation of the alleged account on their letters to hide liability of furnishing my information unlawfully.
On XX/XX/2023 I responded with a letter tracking number # XXXX XXXX XXXX XXXX XXXX XXXX. In my letter ( document ) I send them a Cease & Desist which they violated on XXXX XXXX pursuant to 15 USC 1692 c ( c ). I stated in my Notice that they were in violation of 15 U.S. Code 1692e ( A ) ( 8 ) ( 10 ) - False or misleading representations attempting to collect an alleged debt when this was already disputed from 2 other collectors and shifting liability for Identity theft of my information.
I found XXXX XXXX XXXX furnishing information about me [ XXXX XXXX ] in XXXX XXXX without having Permissible purpose pursuant to 15 U.S. Code 1681b ( C ) ( 3 ) - Permissible purposes of consumer reports, ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Furthermore I made a claim in my Notice that XXXX XXXX XXXX is in violation of 15 U.S. Code 1681 q - Obtaining information under false pretenses Making them also in violation of 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
I specifically stated in my Notice that 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) YOU ARE PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which you XXXX XXXX XXXX will be liable if you continue to furnish my public information further without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) ( - Permissible purposes of consumer reports.
I also said in my Notice that I demand you CEASE AND DESIST from XXXX XXXX XXXX, the reporting of this information and All communication immediately pursuant to 15 USC 1692c ( c ).
The Consumer [ XXXX XXXX ] refuses to pay any alleged debt pursuant to 15 USC 1692c ( c ) that you feel you're entitled to.
Their response on XXXX XXXX XXXX XXXX XXXX sent me 2 letters. One letter denied all claims made by me, especially regarding identity theft. In the second letter they send me a payment plan to pay the alleged debt without sending me lawful validation of debt pursuant to CFR 1006.34 Notice for validation of debts.
I want to report XXXX XXXX XXXX for violating my consumer rights under the FDCPA and the FCRA and Identity Theft for unlawfully furnishing my information to XXXX XXXX.
Any question please do not hesitate to contact me at my personal email XXXX XXXX
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| 12/28/2018 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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To Whom It May Concern : Account in question XXXX This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
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| 07/30/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Subject : Complaint Against LVNV FUNDING LLC for Repeated Violation of Consumer Rights and Failure to Verify Debt Dear Sir/Madam, I am writing to file a formal complaint against LVNV FUNDING LLC , a debt collector company, for their persistent violation of my consumer rights and their failure to provide adequate debt verification. Despite multiple attempts to address this matter, my complaints to the Consumer Financial Protection Bureau ( CFPB ) have been ignored, and LVNV FUNDING LLC continues to report erroneous information on my credit report, causing grave emotional distress and hindering my financial goals.
Details of the Complaint : Lack of Debt Verification : On XX/XX/XXXX, XXXX, XXXX, I received communication from LVNV FUNDING LLC claiming I owed a debt. I promptly requested them to provide proper verification of the alleged debt, as guaranteed by the Fair Debt Collection Practices Act ( FDCPA ). However, to date, they have failed to provide any method of verification they used to validate this debt.
Absence of Contractual Agreement : I wish to emphasize that I have never entered into any contractual agreement with LVNV FUNDING LLC or any of their affiliates. Furthermore, they do not possess any documentation bearing my signature or any other proof of my liability for the alleged debt.
Ignored CFPB Complaints : I have diligently submitted multiple complaints regarding this matter to the Consumer Financial Protection Bureau. Regrettably, none of these complaints have received appropriate attention or resolution.
Persistent Erroneous Reporting : LVNV FUNDING LLC 's unwillingness to verify the debt accurately has resulted in continuous erroneous reporting on my credit report. This has led to severe emotional pain and has adversely affected my ability to achieve my financial objectives.
Requested Actions : I urge the Consumer Financial Protection Bureau to take immediate action and compel LVNV FUNDING LLC to adhere to the following measures : Verify Debt : LVNV FUNDING LLC must be compelled to provide a clear and comprehensive verification of the alleged debt, as mandated by the Fair Debt Collection Practices Act.
Removal of Accounts : In light of the absence of a valid contractual agreement and failure to verify the debt, I demand that all accounts associated with LVNV FUNDING LLC be removed from my credit report promptly.
Accountability and Fair Practices : LVNV FUNDING LLC should be held accountable for their repeated violations of consumer rights and unfair debt collection practices.
Resolution of Emotional Distress : I request suitable compensation for the emotional distress caused by their unjust actions.
Ensuring Future Compliance : To prevent similar incidents from occurring in the future, LVNV FUNDING LLC must be subjected to strict monitoring and auditing of their debt collection practices.
If this matter is not addressed promptly and my consumer rights are not safeguarded, I am prepared to pursue legal action to seek redress for the harm caused by LVNV FUNDING LLC 's actions.
I have enclosed copies of relevant documents, including communications with LVNV FUNDING LLC to support my complaint. Please acknowledge receipt of this complaint and provide me with a timeline for resolution.
Thank you for your attention to this matter. I look forward to a prompt and thorough investigation and resolution of this complaint.
Sincerely, XXXX XXXX XXXX
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| 08/07/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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LVNV Funding LLC I am writing due to the negative mark XXXX made on my consumer credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ). If not, please refer to 15 U.S. Code 1692g - Validation of debts. So let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. Per 15 U.S. Code 1692g - Validation of debts ; What constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXXXXXX XXXX App. XXXX XXXXXXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.
Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.
Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.
Proof that this debt has not been written off as a tax liability.
Any other intimate knowledge of the creation of the debt by you, the collection agency.
I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. Civ XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is NOT a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Thank you for your time and attention to this matter.
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| 08/22/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character, I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Respectfully Submitted, XXXX XXXX XXXX XXXX.
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| 07/30/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I am writing to file a formal complaint against Resurgent Capital Services L.P. ( Debt Collection Agency ) regarding their handling of the alleged debt associated with the above-referenced account. Despite my previous communication with the agency, I remain dissatisfied with their numerous responses dated XXXX XXXX, two on XXXX, XXXX, 2023, XX/XX/2023, and XX/XX/2023 all stating the same, " We have received a recent inquiry regarding the above-referenced account and have enclosed the account summary which provides verification of debt. For further assistance, please contact one of our Customer Service Representatives ... '', which failed to meet the requirements for proper debt validation as mandated by the Fair Debt Collection Practices Act ( FDCPA ).
Statements Are Not Sufficient Verification of Debt : In their previous correspondence, Resurgent Capital Services L.P. provided credit card statements and an account summary, claiming that they constitute verification of the debt. However, I want to emphasize that credit card statements or an account summary do not fulfill the FDCPA 's standards for proper debt validation. Debt collectors are required to provide specific details that validate the authenticity and accuracy of the debt.
Demand for Proper Debt Validation : I kindly request that the Consumer Financial Protection Bureau intervenes and ensures that Resurgent Capital Services L.P. provides a comprehensive and substantiated validation of the alleged debt, adhering to the guidelines set forth in the FDCPA. The agency must be required to submit the following information : a ) Verification of the Original Creditor : Documentation that establishes the identity and contact information of the original creditor, including any account numbers or references associated with the alleged debt.
b ) Detailed Account Information : A comprehensive statement of the account, including a breakdown of the principal amount, interest, fees, and any other charges claimed to be owed.
c ) Signed Agreement or Contract : A copy of the signed agreement or contract that establishes my obligation to pay the alleged debt.
d ) Proof of Assignment : Documentation confirming Resurgent Capital Services L.P. 's legal authority to collect the debt on behalf of the original creditor if the debt has been sold or transferred.
e ) Itemized Transaction History : A complete itemization of the debt, including all relevant transactions, payments, and adjustments related to the account.
f ) Schedules RC-Balance Sheet, RC-E-Deposit Liabilities, RC-C-Loans & Leases, RC-L-Derivatives, and off-balance sheet items, RC-S-Servicing, securitization, and asset sale activities : I demand that Resurgent Capital Services L.P. exhibits the relevant portions of these records, as mentioned in the debt verification process . These records are required under 12 U.S.C. 1817 ( a ) ( 1 ) ( Federal Deposit Insurance Act ) and are essential in validating the debt 's authenticity.
Removal of Credit Bureau Reporting : If Resurgent Capital Services L.P. fails to provide the proper validation of the alleged debt within 30 days from the date of receipt of this complaint, I demand that the Consumer Financial Protection Bureau ensures the prompt removal of any negative credit reporting associated with this debt from my credit profile. The failure to validate the debt renders it unverifiable, and continued reporting of unverified information to credit bureaus is a direct violation of the Fair Credit Reporting Act ( FCRA ).
|
| 08/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am disputing the information being reported as a Collections account by LVNV Funding LLC ( " the Current Owner '' ), which was alleged to have acquired a Charge-off account from XXXX XXXX XXXX XXXX XX/XX/2020. I believe there are inaccuracies and violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in connection with this account. I would like to bring your attention to the following concerns and request a thorough re-investigation of this matter : Validation Notice and Verification of Debt : Pursuant to the FDCPA, I received communication from Resurgent Capital Services L.P. regarding this debt. However, I contend that the validation notice provided did not offer sufficient information to validate the debt as required by law. The validation letters I received lacked crucial information, and the information that was provided did not constitute proper verification of the debt. I kindly request that you provide me with the complete and accurate documentation and verification of this debt, as required by the FDCPA. For the following reasons : Lack of Contractual Agreement with XXXX XXXX XXXX : As stated in my previous correspondence, I have never entered into any contractual agreement with XXXX XXXX XXXX, the alleged original creditor for any such Charge-off account to exist currently or in the past. Wherefore, there remains no XXXX XXXX XXXX " Charge-off '' account existing on my credit report currently or in the past to report this false, inaccurate, and untrue information on my credit report to XXXX.
Accuracy of Reporting to XXXX : The FCRA mandates that information reported to credit bureaus is accurate and complete. It has come to my attention that the account information reported by the Current Owner contains discrepancies and inaccuracies on my XXXX credit report. Specifically, the reported balance, payment history, and charge-off date differ from my records and research. I have even verified that no current charge-off for XXXX XXXX XXXX XXXX the alleged previous creditor, exists or existed on my XXXX credit report. I kindly request that you conduct a thorough review of the account information being reported to XXXX and delete any inaccuracies immediately.
Communication Cease Request : I acknowledge that I previously submitted a request to cease communication regarding this account. However, I also understand that this does not absolve the Current Owner of their responsibility to provide accurate and complete documentation when requested. Do address the concerns outlined in this dispute and conduct a thorough re-investigation.
Failure to Address Dispute : Despite sending timely disputes through XXXX, I have not received adequate responses or evidence that my concerns were addressed appropriately. I believe there has been a failure on the part of Resurgent Capital Services L.P. to address the disputed information in compliance with the FCRA. I request a comprehensive review of my disputes and accurate resolution of the issues identified.
I appreciate your attention to these matters and your commitment to complying with both the FDCPA and the FCRA. Please provide me with a detailed response outlining the results of your re-investigation and any actions taken to immediately delete the discrepancies and inaccuracies on my XXXX credit report.
I look forward to a prompt and thorough response within the timeframes mandated by the FCRA. Your cooperation in this matter is greatly appreciated.
|
| 11/29/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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LVNV FUNDING LLC XXXX XXXX Reference XXXX Debt Validation 15 USC 1692g . 1 ) Detailed list of audit of payments made by me on this account. 2 ) I want a signature that I put on a contract guaranteeing that I would pay this creditor. 3 ) I am asking to see if there has been any insurance claim filed on this alleged debt. 4 ) I want proof that you have the chain of title and agreement that grants you authority to collect on this alleged debt. USC 1681 section 602 A states " There is a need to ensure the customer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect to the consumer 's rights to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that tidal. 15 USC 1681 section 604 a section 2 states that " in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish the information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my non-disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency mate make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' this account is an adverse item they are reporting again without my permission which is against the law 15 US code 1681 s-2 ( A ) ( 1 ) a states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 US code 1681e states " Every consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 US code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of Consumer Reports to the purpose listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at anytime '' I am opting out for your reporting services.
|
| 09/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
|
| 07/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
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I am contacting CFPB to formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by RESURGENT RECEIVABLES LLC. This dispute serves as a request for re-investigation, as XXXX sent a letter notifying me that the RESURGENT RECEIVABLES LLC account was " UPDATED. '' However, I firmly believe that the information remains inaccurate and misleading. I request XXXX to conduct a thorough human re-investigation into this matter and remove this entry promptly. For The Following Reasons : Lack of Contractual Agreement with XXXX XXXX XXXX : As stated in my previous correspondence, I have never entered into any contractual agreement with XXXX XXXX XXXX, the alleged original creditor. Despite XXXX 's indication that the account was " UPDATED, '' no evidence has been provided by RESURGENT RECEIVABLES LLC or XXXX XXXX XXXX to demonstrate the existence of a valid contract agreement executed containing my full signature. I maintain my stance that XXXX XXXX XXXX was never my creditor, and thus, the collections entry is unwarranted. Wherefore, I never entered into any executed contractual agreement with XXXX XXXX XXXX to validate or verify a default. Failure to Provide Verification of Debt Assignment : The recent " UPDATE '' to the RESURGENT RECEIVABLES LLC account does not address the core issue of validation. RESURGENT RECEIVABLES LLC has not provided any verification demonstrating how they obtained the alleged debt from XXXX XXXX XXXX. I reiterate my request for full documentation regarding the transfer and assignment of this debt, as it remains unverified. Violation of Statutes and Permissible Purpose : My concern regarding XXXX XXXX XXXX XXXX permissible purpose to access my credit information has not been addressed by the " UPDATE '' to the account. The alleged creditor, XXXX XXXX XXXX, has failed to produce any credit application containing my full signature, matching my correct social security number, or any evidence of my consent to access my credit information lawfully. I demand that XXXX thoroughly re-investigate this matter, adhering to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). It is essential that XXXX verify the accuracy and legitimacy of the Collections entry by RESURGENT RECEIVABLES LLC and take appropriate actions to rectify any inaccuracies. Initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry by RESURGENT RECEIVABLES LLC. Verify that XXXX XXXX XXXX had a permissible purpose to access my credit information by providing a credit application containing my full signature and matching my correct social security number. Validate the debt assignment and the legitimacy of the collections account with proper documentation. Remove the inaccurate, false, and unauthorized Collections entry from my credit report promptly, if found to be invalid or unverifiable. I also request that XXXX provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute. Furthermore, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous Collections entry. Thank you for your immediate attention to this matter. Your cooperation in resolving this dispute is of utmost importance. If the re-investigation process takes longer than 30 days, I demand that XXXX provide me with a written explanation for the delay and a tentative timeframe for resolution.
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| 09/20/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious matter regarding the inaccurate reporting of a debt on my credit reports by LVNV Funding, a debt collector, which is having a detrimental impact on my financial well-being.
As of today, Wednesday, XX/XX/2023, I have been diligently working to address this issue by contacting LVNV Funding and their servicer, Resurgent Capital Services, in an attempt to obtain the necessary account records and proof that this debt is indeed mine. Regrettably, my efforts have been met with frustration and a complete lack of cooperation from these entities. This debt collection agency told me yesterday ( representatives XXXX, XXXX and XXXX ) on XXXX separate calls that they don't see anything for me, have anything to provide me. Today I called and a representative by name of XXXX says she has something but very cryptic about the info and can't immediately provide it to me? But at this very moment this very company is on all THREE credit bureaus ( please see attached ) destroying my livelihood?
Despite numerous attempts, both LVNV Funding and Resurgent Capital Services have consistently claimed that no record of this debt exists under my name. To my disbelief, yesterday ( XXXX ) the supervisor for Resurgent Capital Services aka LVNV, XXXX, essentially told me to stop calling as they insisted they had no information under my name. This is not only uncooperative but also highly concerning given the impact this situation is having on my credit.
I have attached copies of my credit reports from all three major credit reporting bureaus, XXXX, XXXX, and XXXX, for your reference. As you can see, LVNV Funding 's reporting of this debt has resulted in a significant negative mark on my credit reports, which is unjust and damaging to my financial standing.
I have taken the initiative to notify XXXX, XXXX, and XXXX about this issue, providing them with the relevant information. However, to my dismay, they have claimed that they have already investigated the information and have concluded that the debt is indeed mine. This response is both disheartening and troubling, as it appears that these credit reporting agencies are neglecting their fundamental duty to conduct thorough and accurate investigations.
I urgently request the intervention of the Consumer Financial Protection Bureau to rectify this situation. It is imperative that the negative mark on my credit reports, attributed to LVNV Funding, be removed immediately. I am suffering the consequences of this inaccurate reporting through no fault of my own, and it is affecting my ability to secure credit, housing, and other essential financial opportunities.
I kindly request that you investigate this matter thoroughly and take the necessary actions to ensure the removal of the erroneous information from all three credit reporting bureaus. I believe that the attached credit reports, along with the lack of cooperation from LVNV Funding and Resurgent Capital Services, provide sufficient evidence of the inaccuracy of this debt on my credit reports.
I am grateful for your attention to this pressing issue and look forward to a prompt resolution. If you require any additional information or documentation from my end, please do not hesitate to contact me at the provided email address or phone number.
Thank you for your assistance in rectifying this matter and restoring the accuracy of my credit reports.
Sincerely, XXXX XXXX
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| 11/17/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Most Recent Communication XX/XX/XXXX Received an envelope from Resurgent after they received and signed for a cease and desist letter. It shows delivered to my XXXX XXXX XXXX XX/XX/XXXX via my USPS Informed Delivery. The letter is the exact same letter as the previous letter dated XX/XX/XXXX with all of the exact same contents ( regarding my " recent inquiry '' ( Sent a statement not an inquiry on their website on XX/XX/XXXX ). It contained the letter, only ONE of the debt companies ( not all of them ), a paper stating " Your Account is Charged Off '' and an Account Summary Report ) TIMELINE OF EVENTS XX/XX/XXXX Called and spoke to Resurgent regarding debts, explained that they are not mine, my ex-husband opened them and I will not pay on any of these debts. Got account numbers and reference numbers. Never received any written documents from them 5 days after contact as required by law XX/XX/XXXX Sent letters to Resurgent refusing to give my privacy protected information XX/XX/XXXX Received signed return receipt showing receipt of my responses signed and dated XX/XX/XXXX XX/XX/XXXX Contacted through their website - detailed information about each account and when they expire from collection and my credit report. Stated I will pay nothing XX/XX/XXXX Received a letter dated XX/XX/XXXX regarding my " recent inquiry '' ( Sent a statement not an inquiry on their website on XX/XX/XXXX ). It contained the letter, only ONE of the debt companies ( not all of them ), a paper stating " Your Account is Charged Off '' and an Account Summary Report XX/XX/XXXX Called the number on the letter XXXX and spoke to XXXX, she wouldn't answer my questions so I hung up and called back. Second call : spoke to Patience and got some information until she thought she could talk over me. I was transferred to XXXX a Senior Rep who told me I can stop all communications by placing a verbal cease and desist so I did that. She also advised me that it would be better to put it in writing to make sure it gets done. She also gave me the address.
XX/XX/XXXX Wrote the cease and desist letter with no end date until my death and covering anything with my name on it.
XX/XX/XXXX Sent the Cease and Desist letter certified, return receipt ( to prove it was received ) XX/XX/XXXX Received the return receipt that my letter was signed for and received dated XX/XX/XXXX XX/XX/XXXX Received an envelope from XXXX after they received and signed for a cease and desist letter. It shows delivered to my XXXX XXXX XXXX XX/XX/XXXX via my USPS Informed Delivery. The letter is the exact same letter as the previous letter dated XX/XX/XXXX with all of the exact same contents ( regarding my " recent inquiry '' ( Sent a statement not an inquiry on their website on XX/XX/XXXX ). It contained the letter, only ONE of the debt companies ( not all of them ), a paper stating " Your Account is Charged Off '' and an Account Summary Report ) XX/XX/XXXX At XXXX XXXX I called Resurgent regarding the letter I received. I spoke to XXXX and informed her the call was being recorded. I requested to speak to a Supervisor and was transferred to XXXX at XXXX XXXX and also informed her she was being recorded. She refused to give me any information as to why I received communication after the cease and desist letter was received and signed for. She stated their company does not answer any general questions ( you have to be a customer to get answers ). She admitted there is an active Cease and Desist letter.
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| 08/18/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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Validation letter sent This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 10/22/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you.
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that since your offices have reported inaccurate and invalidated information to several credit bureaus including XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, this action constitutes as identity theft fraud under both federal and state laws.
Due to this fact, this is my official notice of intent to sue for negative marks that have been found and are currently reporting on my consumer reports by your company or the company you represent.
I am bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be closed and deleted with your company or the company which you represent and completely removed from my consumer files and a copy of such deletion request shall be sent to me immediately. In addition, I am formally requesting {$5000.00} for the violations.
It would be advisable that you and your client assure that your records are in order as I am now taking legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent as legal action is necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information back.
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| 08/31/2023 |
Yes |
- Debt collection
- Credit card debt
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- Electronic communications
- You told them to stop contacting you, but they keep trying
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Web |
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To Whom It May Concern : I am writing to file a complaint against Resurgent Capital Services for violating the Fair Debt Collection Practices Act ( FDCPA ).
On XX/XX/XXXX, I received a notice through email from Resurgent Capital Services stating that they had acquired a debt from XXXX XXXXXXXX XXXX. The letter was sent to my personal email address.
I sent a cease and desist letter by email to Resurgent Capital Services on XX/XX/XXXX, requesting that they stop contacting me by email and to cease any and all communications. I also opted out of the use of my personal email address for debt collection purposes.
" The notice sent to the debt collector also indicated some clear FDCPA violations. These violations include violations of the Fair Debt Collection Practices Act ( FDCPA ), 12 CFR 1006.6 ( d ) ( 4 ) ( ii ) ( C ) ( 4 ), specifically 15 U.S.C. 1692c.
I believe that these violations of the FDCPA entitle me to civil penalties of {$1000.00} per violation. I am requesting that the CFPB assess these penalties against Resurgent Capital Services. '' Resurgent Capital Services acknowledged receipt of my cease-and-desist letter on XXXX XXXX XXXX, but they continued to contact me by email. They also sent me text messages on XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also called me on XX/XX/XXXX and XXXX.
I have never authorized Resurgent Capital Services to contact me by email or text message. Their continued contact with me is a violation of the FDCPA.
Specifically, Resurgent Capital Services has violated the following provisions of the FDCPA : Section 1692c ( a ) : This section prohibits debt collectors from contacting consumers by means that the consumer has indicated they do not want to be contacted by, such as email and text message.
Section 1692d : This section prohibits debt collectors from engaging in any conduct that would be considered harassment or abuse, including contacting you at work if you have told them not to, contacting you at unusual times, or contacting you if you are represented by an attorney.
Section 1692e ( 10 ) : This section prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of a debt, including lying to you about the debt or trying to collect a debt that is not legally owed.
Section 1692f : This section prohibits debt collectors from engaging in any unfair or deceptive act or practice in connection with the collection of a debt, including contacting you if you have sent them a cease-and-desist letter.
I am requesting that the CFPB investigate this matter and take appropriate action against Resurgent Capital Services. I am also requesting that the CFPB require Resurgent Capital Services to stop contacting me and to reimburse me for any damages I have suffered as a result of their violations of the FDCPA.
I believe that Resurgent Capital Services has violated the FDCPA in 11 instances, and I am requesting that the CFPB assess civil penalties of {$1000.00} per violation, for a total of {$11000.00}.
It should be noted on XX/XX/XXXX, a second notice was sent giving the company additional time to acknowledge and cure with no avail.
I am available to provide any additional information that you may need.
Thank you for your time and attention to this matter.
I will attach correspondence from debt collector confirming receipt of cease and desist letter. I can also provide logs of emails, text messages, and calls.
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| 10/12/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I noticed an account on my credit reports from a company called LVNV FUNDING LLC that I had no business relationship with. LVNV FUNDING LLC was attempting to collect on a an alleged debt in the amount of {$910.00}. I have had my identity stolen and sent LVNV FUNDING LLC a letter via certified mail XXXX, 2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent LVNV FUNDING LLC account with the credit bureaus. LVNV FUNDING LLC however continued reporting this fraudulent LVNV FUNDING LLC account with the credit bureaus. I noticed LVNV FUNDING LLC still reporting this fraudulent LVNV FUNDING LLC account with the credit bureaus after I notified them about the identity theft. I then sent LVNV FUNDING LLC a DEBT VALIDATION LETTER via certified mail XXXX, 2023 requesting the agreement between LVNV FUNDING LLC and myself and the original application for the account. LVNV FUNDING LLC violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) LVNV FUNDING LLC was required to cease collection efforts until the alleged debt was validated but failed to do so. LVNV FUNDING LLC continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent LVNV FUNDING LLC account XX/XX/2023 on my credit reports. I then sent LVNV FUNDING LLC a FAILURE TO RESPOND letter via mail XX/XX/2023. LVNV FUNDING LLC violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. LVNV FUNDING LLC violated the FDCPA XXXX5 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. LVNV FUNDING LLC violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) LVNV FUNDING LLC was required to cease collection efforts until the alleged debt was validated but failed to do so. LVNV FUNDING LLC continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, LVNV FUNDING LLC FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a LVNV FUNDING LLC letter via certified mail XX/XX/2023. LVNV FUNDING LLC violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent LVNV FUNDING LLC account XX/XX/2023 on my credit reports and it is still there as of this filing.
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| 10/12/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I noticed an account on my credit reports from a company called LVNV FUNDING LLC that I had no business relationship with. LVNV FUNDING LLC was attempting to collect on a an alleged debt in the amount of {$900.00}. I have had my identity stolen and sent LVNV FUNDING LLC a letter via certified mail XXXX, XXXX notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent LVNV FUNDING LLC account with the credit bureaus. LVNV FUNDING LLC however continued reporting this fraudulent LVNV FUNDING LLC account with the credit bureaus. I noticed LVNV FUNDING LLC still reporting this fraudulent LVNV FUNDING LLC account with the credit bureaus after I notified them about the identity theft. I then sent LVNV FUNDING LLC a DEBT VALIDATION LETTER via certified mail XXXX, XXXX requesting the agreement between LVNV FUNDING LLC and myself and the original application for the account. LVNV FUNDING LLC violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) LVNV FUNDING LLC was required to cease collection efforts until the alleged debt was validated but failed to do so. LVNV FUNDING LLC continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent LVNV FUNDING LLC account XX/XX/2023 on my credit reports. I then sent LVNV FUNDING LLC a FAILURE TO RESPOND letter via mail XX/XX/2023. LVNV FUNDING LLC violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. LVNV FUNDING LLC violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. LVNV FUNDING LLC violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) LVNV FUNDING LLC was required to cease collection efforts until the alleged debt was validated but failed to do so. LVNV FUNDING LLC continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, LVNV FUNDING LLC FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a LVNV FUNDING LLC letter via certified mail XX/XX/. LVNV FUNDING LLC violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent LVNV FUNDING LLC account XX/XX/XXXX on my credit reports and it is still there as of this filing.
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| 09/19/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing to bring to your attention a concerning issue regarding LVNV Funding LLC, as well as the credit reporting companies involved XXXX, which I believe did not conduct a thorough investigation into the account listed on my credit report. The details of the account in question are as follows : LVNV Funding LLC Corporate Office : XXXX XXXX XXXX, XXXX, SC XXXX TransUnion Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Account type : Collection/Charge off I disputed the accuracy of the information reported by LVNV Funding LLC XXXX as indicated by the comment " Account information disputed by consumer, meets FCRA requirements. '' According to the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debt that is reported on my credit report. I am exercising that right by requesting that LVNV Funding LLC provide me with the following information : Verification of the debt, including documentation of the original contract or agreement.
The name and contact information of the original creditor A complete account history, including details of all transactions and charges related to this debt.
Proof of the amount and validity of the debt, including any itemized breakdown of charges.
The name and contact information of any third-party collection agency involved in the collection of this debt.
Complete payment history Proof of Photo ID, Full Security Number, DL The obligations between LVNV Funding LLC and myself that allows you to collect this debt and any documentation from your company that binds me to an agreement to pay your company.
Letter of sale of assignment from original creditor with LVNV Funding LLC.
If LVNV Funding LLC is unable to provide this verification, I request that the account be promptly deleted from my credit report as this does not belong to me and must be deleted.
I have previously contacted LVNV Funding LLC to request verification of this debt, and while they acknowledged the dispute on my credit report, they failed to provide the necessary documentation and details requested under the Fair Credit Reporting Act ( FCRA ). Despite my efforts to address this issue directly with LVNV Funding LLC, I have not received a satisfactory response or a full investigation into the matter.
As a consumer, I am deeply concerned that the credit reporting companies and LVNV Funding LLC have not taken the necessary steps to conduct a comprehensive and accurate investigation into this account, as required by the FCRA. This has resulted in inaccurate information negatively impacting my credit profile.
I kindly request that the Consumer Financial Protection Bureau intervene and investigate this matter further to ensure that LVNV Funding LLC and the credit reporting companies involved adhere to the provisions of the FCRA. It is imperative that a thorough investigation is conducted to validate the accuracy of this debt and its reporting on my credit file. I do not have a contract with this company nor did I receive a XXXX Tax form for this charge off. Also they are reporting this account as a charge off every month and that is not possible as a charge off can only happen one time.
I appreciate your prompt attention to this issue and your commitment to protecting consumer rights. Your assistance in resolving this matter and ensuring compliance with the FCRA is greatly appreciated.
Sincerely,
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| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Dear Representative and whom it may concern, This is unacceptable. I am writing to you as an account holder with your institution to formally lodge a credit card dispute and raise substantial legal concerns pertaining to my interactions with your company and certain credit card and loan companies associated with your institution. I assert that these issues have led to undue distress and financial hardships, and I am seeking your immediate assistance in resolving this matter.
I. **Harassment by Debt Collectors and Employees : ** I have been persistently subjected to harassment by debt collectors representing your institution and associated credit card and loan companies. Their relentless and intrusive collection efforts have resulted in severe emotional distress.
II. **Financial Stress and Lost Opportunities : ** The rigorous pursuit of debt collection and associated financial burdens have caused significant financial stress, impeding opportunities for financial growth and recovery.
III. **Utility Companies Charging Higher Security Deposits : ** As a direct consequence of the impairment of my credit profile, which is attributable to actions taken by your institution and associated entities, I have been compelled to provide higher security deposits to utility providers, adding to my financial strain.
IV. **Impact on Employment and Earning Potential : ** My credit-related issues have adversely affected my employability, hindering my capacity to generate income and address the outstanding debts, thereby obstructing my path to financial rehabilitation.
V. **Increased Interest Rates : ** The degradation of my credit profile has resulted in inflated interest rates, amplifying the cost of outstanding debts and exacerbating my financial challenges.
VI. **Loan Approvals and Risk of Homelessness : ** The compromised state of my credit has made loan approvals nearly unattainable, placing me at imminent risk of homelessness due to potential difficulties in securing housing.
VII. **Potential Violations of Consumer Protection Laws : ** I firmly believe that your institution, along with the associated credit card and loan companies, may be in violation of several critical consumer protection laws, including, but not limited to, the following : a. Fair Debt Collection Practices Act ( FDCPA ) b. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) c. Deceptive Advertising and Predatory Lending Practices d. Telephone Consumer Protection Act ( TCPA ) e. Fair Credit Reporting Act ( FCRA ) In light of these concerns, I have sought legal counsel and conducted a thorough review of my situation. It is my firm belief that your institution, in conjunction with associated entities, may be acting in contravention of the aforementioned laws, and I am prepared to pursue legal remedies as required.
VIII. **Emotional Distress and Health Impact : ** The financial challenges and unceasing collection efforts have taken a significant toll on my emotional well-being, Im in the process of obtaining official written documentation from my healthcare provider confirming the detrimental effects on my health.
I formally request your immediate attention and involvement in investigating these matters and providing a comprehensive resolution. I am committed to achieving an equitable and lawful resolution to these issues with your prompt intervention.
Thank you for your immediate attention to this matter.
Sincerely, account holder
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| 01/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX LVNV Funding, LLC C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX To Whom It May Concern : For the amount of {$890.00} Acct # : XXXX and {$420.00} Acct # : XXXX, I request validation of the alleged debt pursuant to the FDCPA, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. Since you illegally put an item on my credit file with even sending me notice.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. That is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you LVNV Funding, LLC or Resurgent Capital Services Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
I advise that you assure that your records are in order before I take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose.
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| 04/17/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter.
2 ) What is your authorization of law for your collection of information?
3 ) What is your authorization of law for your collection of this alleged debt?
4 ) Please evidence your authorization to do business or operate in the state.
5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature.
You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file.
Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.
For the purposes of 15 USC 1692 et seq and 15 USC 1692e this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,
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| 11/17/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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According to my XXXX, XXXX, and XXXX report, Resurgent/LVNV FUNDING has XXXX XXXX XXXX XXXX XXXX their client and owing debt to them. I do not have a contract with this company and have never done business with this firm. This is an Adverse Action Notice - Request for Remedy Under ECOA, FCRA, and Social Security Act I am writing to address the recent unauthorized transactions on my credit report, as indicated in the adverse action notice dated XX/XX/XXXX twice, XX/XX/XXXX and XX/XX/XXXX. I am deeply concerned about potential violations of the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and the unauthorized use of my Social Security information, which may implicate provisions of the Social Security Act.
Under the ECOA, discrimination in credit decisions based on certain factors is strictly prohibited. Furthermore, in accordance with 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined not more than {$5000.00} or imprisoned not more than one year or both.
XXXXLVNV FUNDING willfully and knowingly processed a information on my credit profile without my direct written or verbal consent or proper due diligence. I did not personally apply for credit with this company, nor do I have a current or past business relationship with them or their subsidiaries.
I am particularly concerned about potential unauthorized credit pulls and false or misleading advertisements, which may implicate the Social Security Act. If my Social Security information was used without my permission or if false advertising practices were involved, I want to bring to your attention that this could be in violation of the Social Security Act.
Considering the gravity of these potential violations, I am seeking a thorough investigation into the circumstances surrounding the unauthorized use of my Social Security information, in addition to adding fraudulent content to all of my credit reports. If evidence of discrimination, unauthorized credit pulls, false advertising and/or fraudulent activity is found, I expect appropriate action to be taken to rectify the situation and uphold fair lending practices.
Please provide me with the necessary information to initiate this process and keep me informed of the steps taken to address my concerns. You may reach me the contact information provided to discuss this matter further.
Violations-Obtaining my credit without my verbal or written consent. A creditor shall not make any oral or written statement, in advertising or otherwise, to applicants or prospective applicants that would discourage, on a prohibited basis, a reasonable person from making or pursuing an application. Resulted in a soft inquiry on my credit report ) I XXXX XXXX am seeking remedy for {$1000.00} for this violation.
Violation-Solicitation to a 3rd party organization ( XXXX ) without verbal or written consent is prohibited regarding ANY aspect of a credit transaction. I, XXXX XXXX am seeking remedy for {$1000.00} for this violation.
Violation-Credit Inquiry reflected on my credit report as evidence of securities being received to XXXXLVNV FUNDING IN on my behalf. I would like ALL inquires and Fraudulent postings to be REMOVED from ALL credit reporting agencies listed with CFPB to be notified to remove and restore positivity to my credit profile. I XXXX XXXX and seeking remedy {$1000.00} for this violation.
Sincerely, XXXX XXXX XXXX
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| 06/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I had 2 Credit Cards through XXXX XXXX XXXX. One had paid Credit Protection and one did not. I became XXXX and exercised my credit protection. My request was granted, but the account was charged off in 90 days. The other was charged off a couple of months later. The account with credit protection got sold to Resurgent Capital Services/LVNV Funding and the one without got sold to XXXX XXXX. LVNV Funding has been reporting a collection account for the charged off debt that had credit protection on it.
When I got approved for XXXX, I squared myself with the debts I owed. I called XXXX XXXX and I paid the entire balance without negotiating and they were not reporting on my credit report, but I owed the money. It was a valid debt.
The account currently managed by Resurgent Capital Services/LVNV Funding, account number XXXX, definitely had an innacucurate balance because my credit protection should have paid it down to all but {$100.00} or so.
I disputed the original creditor account and XXXXVNV Funding at the same time. XXXX XXXX XXXX realized the mistake, realized that I made them whole through the other account and they agreed with me that it should not have been charged off, and that month they removed both accounts from my credit report. In the same month, LVNV Funding validated that their collection activity was accurate.
To this day, 8 rounds of disputes, several phone calls and an FHA loan VS a conventional loan at the expense of 30 points for this phony collection. It's going to cost me thousands of dollars in PMI and interest because of what they are doing.
Every time I dispute, I dispute with all 3 bureaus and LVNV Funding. LVNV Funding always opens, investigates and closes a dispute in minutes. There is absolutely no way they verified reporting information with the original creditor and got somebody to validate it within the same day 8 times in a row. The acknowledgement letter, the print out of account information and a validation letter are all produced, printed and mailed within the same day.
I called this company and explained to them that I had credit protection on the account and that I was XXXX. She asked to send the award letter, I did. They put the account into " Non-collection Status '' in which it remains and is costing me 30 FICO points on a XXXX.
I got a settlement offer two months ago for half that owed. I called in the other day as I'm closing in on closing on a home and I asked for argument sake what it would cost to pay to delete. The lady offered me {$700.00} after she knew I was trying to obtain credit. It's legalized extortion and it's under your purview of regulation.
The only reason I even considered a pay for delete was the cost/benefit analysis of pay for delete VS litigation, etc ... Now I've obtained my mortgage, it is sub-prime, and I am asking the Bureau to exercise all of my rights for me afforded to me under the Constitution, Federal Law, State Law , County Law and municipalities to obtain some sort of punitive justice. Even if half the awards get donated to a consumer rights non-profit of your choice. At very least, this item must be removed from my credit report and this company must be held accountable for the actions it took. I will see through that that is done effectively and justly.
I have included all of the documents that I have already provided both XXXX XXXX XXXX and LVNV Funding.
Thank You, XXXX XXXX
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| 01/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX LVNV Funding, LLC C/O Resurgent Capital Services PO Box XXXX XXXX, SC XXXX To Whom It May Concern : For the amount of {$600.00} Acct # : XXXX, I request validation of the alleged debt pursuant to the FDCPA, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. Since you illegally put an item on my credit file with even sending me notice.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. That is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you LVNV Funding, LLC or Resurgent Capital Services Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
I advise that you assure that your records are in order before I take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose.
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| 05/07/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2020 LVNV has been notified that account ending in XXXX is fraudulent. On XX/XX/XXXX, of 2020 LVNV funding was sent a certified letter with a copy of the filed FTC report that the account ending in XXXX is not my account. I am have reached out to LVNV and resurgent capital on numerous times trying to resolve this issue. The company has been asked to provide documentation that this is my account. LVNV funding and resurgent capital has refused to provide the information required under the FDRA and FDCPA.
On XXXX XXXX the original creditor XXXX XXXX Bank removed the fraudulent and erroneous items from XXXX credit report.
On XX/XX/2020, I received a letter from XXXX XXXX XXXX " stating they were handling the account for Resurgent Capital. '' LVNV is knowingly committing slander and fraud by reporting inaccurate information my on XXXX, XXXX and XXXX credit report. A copy of the letter is listed below along with the FTC report number XXXX.
To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you by producing the following : 1. A copy of original contract, ( the unaltered genuine original wetting ink signature copy ), paper chattel. Attached with a signed application dated with my signature.
2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer.
3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of XXX to At this time I will also inform you that if your offices have reported invalidat
ed information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
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| 12/19/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XX/XX/XXXX ( Removed for publishing purposes ) LVNV FUNDING COLLECTIONS XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Re : Acct # ( Removed for publishing purposes ) To Whom It May Concern : This letter is regarding multiple accounts ( # s Removed for Publishing purposes ), which you claim I opened on, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX. This is a formal notice that your claims are disputed.
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.
I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX
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| 10/10/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XXXX XXXX I mailed a letter to LVNV requesting information about an alleged debt. My FCRA rights are being violated as the company did not respond. The letter sent is below.
To whom this may concern, I would like to affirm here in this notice that this debt is invalid.
Please note On this day XXXX, I reserved my rights to dispute this alleged debt, pursuant the Fair Debt Act concerning the validity of this alleged debt. Please note that I do understand and reserve all of my rights granted by Fair Debt Collection Act under Federal Laws, which gives me the right to dispute the validity and accuracy of any debt claim. I would like to aver herein this notice, that I do not believe these alleged debt to be correct and accurate. Please note that this is not an attempt to avoid a debt that may be valid.
If your company LVNV Funding claims this debt is valid, correct, and accurate, I challenge your company to produce the following specific verification of records : 1. A copy of original contract, ( the unaltered genuine original wetting ink signature copy ), paper chattel. Attached with a signed application dated with my signature.
2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer.
3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of XXXX XXXXis owed to LVNV Funding.
5. A full ledger of accounting documentation.
6. Specific services and codes ( please include service codes ).
7. Please provide your Georgia business license and articles of incorporation to do business in my state of Georgia.
Please note that the legal term for verification is as follows, -verification n. the declaration under oath or upon penalty of perjury that a statement or pleading is true, located at the end of a document. For example a typical verification reads : " I declare under penalty of perjury under the laws of Georgia, that I have read the above complaint and I know it is true of my own knowledge, except as to those things stated upon information and belief, and as to those I believe it to be true.
- Law definition Terms and conditions I hereby give your company LVNV, 10 business days to produce verification described herein this notice .If your company fails to produce the aforementioned verification documentation within the measure of this time outline above, then it will be assumed that the alleged debt is invalid and I am accountable for no more than XXXX dollars in regards to this alleged debt. Also please note, I will not accept anything less than a sworn affidavit under penalty of perjury by a custodian of record, employer by the allege creditor, affirming that the said alleged debt exceeds more than XXXX dollars. Please refrain from contacting me by phone or mail concerning this alleged debt until the aforementioned verification/validation is satisfied. Failure to do so may result in me initiating a legal action and/or a filing an administrative complaint with the appropriated agencies including the Federal Trade Commission and the Consumer Protection Financial Bureau for further investigation. Thank you very much in advance for your prompt response.
Respectfully, XXXX XXXX
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| 08/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/2020 I contacted LVNV Funding, LLC in care of Resurgent Capital Services at the address listed on my XXXX XXXX credit report ( Appendix A ). I received confirmation that my letter was received on XX/XX/2020 at XXXX ( Appendix B ). I wrote to them to validate the debt since True Accord had been emailing me to settle the debt with them ; they never mentioned Resurgent Capital Services in their correspondence, only LLNV Funding and the original creditor ( Appendices C-J ).
When I did not receive a response from LVNV Funding or Resurgent Capital Services within 30 days of them receiving my letter, I contacted XXXX on XX/XX/2020 explaining that I was not sure who payments should be made to ( Appendix K ). In the meantime, LVNV Funding/Resurgent Capital began reporting the account to XXXX in addition to XXXX. My letter to XXXX was received around XX/XX/XXXX ( Appendix L ) and without responding to my request, XXXX replied that the account was being reported accurately around XX/XX/XXXX. A few days after I mailed the letter to XXXX, I received a letter from XXXX XXXX XXXX concerning the same debt ( Appendix M ). I wrote to XXXX XXXX XXXX on XX/XX/2020 explaining to the them the steps that I had taken to find out who should actually be paid to resolve this debt ( Appendix N ). XXXX XXXX XXXX received my letter on XX/XX/2020 at XXXX ( Appendix O ). To date they have not responded to me.
On XX/XX/2020, I made the decision to pay Resurgent Capital since they were the company listed on my credit report. I went to their website and was given the option to pay 80 % to settle the account ( see Appendix P ). On the Resurgent website the payment showed as pending ( Appendix Q ). Note that to the right of the account information, they state that when a payment is made that resolves the account is processed, they will submit a request to the credit bureau to have the tradeline deleted from the credit report. The payment showed up on my bank account the very next day ( Appendix R ), yet the Resurgent website showed that no payment was made or scheduled ( Appendix S ). I immediately called the office and spoke with XXXX who verified that they had the payment and stated that I should receive a letter within five days stating that the account was settled. On XX/XX/2020 I called Resurgent again because I had not received the letter and the account was not showing as settled on their website. The individual that I spoke to this time told me that I should have received a receipt for the payment in five to seven business days and that I would receive the letter stating that the account was settled within 20 days. This person went on to say that it would take about 30 days for the account to be removed from my credit report. I was also told that there was a delay in processing my account because they had put my account into a dispute status when they received my letter ( that they never responded to ).
On XX/XX/2020, I received a credit alert advising me that the balance on the account had decreased with XXXX and that I have a balance due of {$170.00}, the exact amount of the discount that they offered. There is nothing on the credit report indicating that the account has been settled or is being deleted. In fact, my credit score dropped 33 points and this account was the only change on the report. The payment has not been posted to XXXX at all.
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| 10/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX XXXX : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : XXXX Fair Debt Collection Practices Act : XXXX : XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : LVNV FUNDING LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX I apologize fot the confusion on my original dispute. The truth is that there are issues with every negative item on my credit report. The reason is because I am not the authorized responsible party on any of the previously posted disputes. Therefore, I request the following procedure for the above posted creditor : 1 ) Please review who the responsible party is on the credit tradeline.
2 ) If I am only an authorized user, then the tradeline on my credit, and the corresponding collection will also need to be permanently deleted.
3 ) I must be given notice that a release of responsibility has been sent to me in written form for my records.
4 ) I have full appreciation to the CFPB for your great help in this matter.
5 ) The above referenced account and/or collection must be deleted. The responsible, if any would be my husband, who was only trying to help his wife establish credit. It did not work out as planned.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 04/11/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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In XXXX of 2019 LVNV Funding LLC inaccurately and irresponsibly reported multiple debts in collections to my XXXX, XXXX, and XXXX credit reports. I learned that LVNV Funding LLC has been furnishing debts bought from XXXX XXXX XXXX and attempting to collect these invalid debts from me. I responded to LVNV Funding LLC & XXXX XXXX on XX/XX/2019, XX/XX/2019, and XX/XX/2019 via certified online mail with a cease and desist letters and I also sent a certified letter asking them to furnish proof of standing. They both have failed to respond to either of my requests. Due to their negligence and inability to accurately respond to my requests, I will be pursuing legal action against XXXX XXXX and LVNV Funding LLC.
My family and I are in the middle of purchasing a home. This behavior is unacceptable.
The failure on behalf of the creditor, XXXX XXXX and collection company LVNV Funding LLC have cause great pain for my family and I.
Here 's a copy of my latest letter " XX/XX/2019 ( Removed for publishing purposes ) LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Re : Acct # ( Removed for publishing purposes ) To Whom It May Concern : This letter is regarding account # ( Removed for Publishing purposes ), which you claim I opened XX/XX/2019. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : ( removed for publishing purposes ) P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX ''
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| 11/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XX/XX/2023, LVNV FUNDING LLC and XXXX XXXX XXXX XXXX filed a Complaint with Exhibits alleging the following : XXXX. XXXX made purchases and/or received cash advances utilizing credit extended by XXXX XXXX XXXX, XXXX. ( the 'Creditor ' ), account number XXXX.
XXXX. In accordance with the transactions made by myself on the account ( the 'Account ' ) heretofore mentioned, XXXX XXXX XXXX, XXXX XXXX and XXXX agreed to the resulting balance.
XXXX XXXX XXXX XXXX, XXXX XXXX rendered statement ( s ) of the Account to XXXX, copies of which are attached hereto and incorporated herein as Exhibit 'XXXX ', and Defendant did not object to the statement ( s ).
XXXX. XXXX failed and/or refused to pay for said purchases or cash advances as agreed, or otherwise.
XXXX. XXXX XXXX XXXX has purchased the debt incurred by XXXX and now owns and holds all rights relative thereto, as evidenced by a copy of the ownership transfer documents attached hereto and incorporated herein as Exhibit 'XXXX '.
XXXX. XXXX owes XXXX {$1400.00}.
XXXX XXXX XXXX XXXX has conferred a benefit on Defendant by providing credit for cash advances, products and/or goods and services.
XXXX. XXXX has knowledge of the benefit and the use thereof by Defendant constitutes an unjust enrichment of XXXX at Plaintiffs expense.
XXXX. XXXX has accepted or retained the benefit conferred and the circumstances are such that it would be inequitable for XXXX to retain the benefit without paying fair value for it. XXXX has failed to pay for said benefit and XXXX has therefore been unjustly enriched.
XXXX. As a result of the unjust enrichment of XXXX, LVNV FUNDING LLC has been damaged in an amount in equal to {$1400.00}.
On XX/XX/2023, LVNV FUNDING LLC and XXXX XXXX XXXX XXXX filed a SUMMONS alleging that XXXX was properly serviced but XXXX was not properly serviced. XXXX XXXX XXXX XXXX XXXX named XXXX XXXX claims to have served copies of the Complaint, Exhibitsm and Notice to Appear For Pre-Trial Conference to a XXXX XXXX. He claims that this XXXXXXXX XXXX was XXXX 's co-resident, which is not true. XXXX had no knowledge of this woman or her interaction with the XXXX XXXX.
On XX/XX/2023, LVNV FUNDING LLC and XXXX XXXX XXXX XXXX filed a Motion for Summary Judgment.
On XX/XX/2023, an Answer, Affirmative Defenses, Demand for Jury Trial, Memorandum in Opposition of Summary Judgment was filed by XXXX.
On XX/XX/2023, there was a hearing.
On XX/XX/2023, a Request for Admissions and Request for Production was filed by XXXX.
On XX/XX/2023, LVNV FUNDING LLC and XXXX XXXX XXXX XXXX filed a Motion for Summary Judgment.
On XX/XX/2023, an Answer, Affirmative Defenses, Demand for Jury Trial, Memorandum in Opposition of Summary Judgment was filed by XXXX.
On XX/XX/2023, there was a hearing on the Motion for XXXX XXXX. XXXX XXXX ( XXXX ) denied the Motion for Summary Judgment and gave LVNV FUNDING an additional 20 days to respond to an overdue discovery.
On XX/XX/2023, LVNV FUNDING LLC and XXXX XXXX XXXX XXXX filed a Notice of Voluntary Dismissal.
XXXX XXXX is still reporting an unverified debt to the Credit Reporting Agencies further damaging the reputation, credit worthiness, and ability to obtain credit and/or loans even after filing litigation against XXXX then proceeding to voluntarily dismiss their own action due to not having documents requested for discovery.
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| 03/22/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I, XXXX XXXX, do not have any contract written nor verbal with this company nor any original creditor that it acts to represent. As Resurgent Capital Services is an entity and not a living natural person, I am bringing litigation against the living persons who legally represent the company as you all are enabling identity theft against me by violation of the FCRA despite numerous disputes and the request for validation and verification of a debt that you all are attempting to collect.
This company has not been able to provide proof of the debt via an original signed contract or promissory note from the original creditor and when I reached out to the original creditor which is XXXXXXXX XXXX, they were unable to verify the debt as well and noted that they have no interest in the debt and cant provide any documentation to the validity of the debt.
I recorded with full consent the last conversation that I had with an employee who stated that she is a supervisor, XXXX XXXX. She stated that the files that Resurgent has on hand are simply a file showing dates the account was open and payment dates. No original contract is in the possession of Resurgent Capital Services and neither does the original creditor, XXXX XXXX have the original contract.
I boldly refute ownership of this debt and any debt that XXXXXXXX XXXX and Resurgent Capital Services are claiming that I owe them as no validation nor verification has been satisfied. The PDF that Resurgent employees provided me was on company letterhead and a print out that they created themselves.
I am requesting the full validation and verification of this debt and I am attaching the letter received from XXXX.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be closed and deleted with your company or the company which you represent and completely removed from my consumer files and a copy of such deletion request shall be sent to me immediately. Please provide the following : Agreement with you or your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the assigned debt collector. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was NOT canceled by 1099-C Verification that this debt was or was not assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful if applicable. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Respectfully, XXXX XXXX
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| 04/15/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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This matter is included in litigation due to attempts to collect an alleged debt which is neither owed nor validated. This alleged debt is fraudulent and XXXX is a willing party to their fraud.
I have filed a complaint with CFPB ; I have disputed this debt with XXXX, and XXXX. I sent Resurgent/LVNV FUNDING. LLC an affidavit in response to the dunning letter and demanded that they VALIDATE the debt, which they have not : and are continuing to report on my XXXX and XXXX credit reports. XXXX and XXXX are continuing to allow this egregious act.
Both XXXX and XXXX need to validate the debt properly and by checking the CREDIT BUREAUS LVNV FUNDING LLC pulled my credit with XXXX and entered a collections entry XX/XX/2020. This was NOT a permissible pull. LVNV FUNDING LLC made an XXXX entry stating that the account was opened XX/XX/2020 for {$2300.00}. Since my last dispute with CFPB, XXXX has deleted the entry from my reports.
XXXX does not now and have never had any business, written, expressed, alleged or implied, with LVNV FUNDING LLC and the joint and several principals, agents or assigns of LVNV FUNDING LLC and does not, in any manner, with this Affidavit agree to contract with, reage, renew, or revive any alleged contracts or agreements upon and by which LVNV FUNDING LLC and the joint and several principals, agents or assigns of LVNV FUNDING LLC may incorrectly claim, allege or presume exists with the Trust.
XXXX has and asserts a superior, claim in equity and a legal right of subrogation over any charges and or claims of indebtedness alleged by LVNV FUNDING LLC and the joint and several principals, agents or assigns of LVNV FUNDING LLC as being owed by the Trust and hereby instructs LVNV FUNDING LLC and the joint and several principals, agents or assigns of LVNV FUNDING LLC to act honorably and amicably in the execution of their joint and several fiduciary duties, as duly appointed Trustees and setoff and discharge, in full and with prejudice to the Trust, all accounts, claims, and charges which are now and or may arise a result of Exhibit 1.
XXXX is receiving countless annoying autodialed calls where for 3-5 seconds noone is on the line. I initially sent a series of letters to the credit reporting agencies.
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format procedures to report.
Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.
I want LVNV FUNDING LLC stop entering false accounts on my credit reports That the agencies comply with E-Oscar and Metro-2 formatting rules.
That the CDIA ensures that the Metro 2 task force reviews the data furnisher 's malpractice and investigate my accounts in question.
The non-compliant items be removed.
This matter is included in litigation due to attempts to collect an alleged debt which is neither owed nor validated. This alleged debt is fraudulent and XXXX and XXXX is a willing party to their fraud.
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| 08/15/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In regards to : Unverified Inaccurate Account Collection Company : XXXX/RESURGENT RECEIVABL Account Number : XXXX Address/Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX I XXXX XXXX, am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. I am addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. [ Collectors Name ] Must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for [ Collectors Name ] to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and [ Collectors Name ]. Providing that [ Collectors Name ] is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
*Full accounting for this account *Copy of the assignment of purchase from the creditor *Every charge and what was purchased, fees, payment, credit, interest paid ) *How you calculated what you claim I owe *Full chain of assignment from charge off to present *Proof that you own the debt with full clear title *Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Respectfully Notice To Agent notice knowledge U.C.C. 1-202 All Rights Reserved Without Prejudice U.C.C 1-308 XXXX XXXX
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| 02/13/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone, email and restrict your contact with me to writing only via us postal mail to my current mailing address and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.
Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from, Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.
Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt.
Purchase agreement or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX ( XXXX., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.
Proof that this debt has not been written off as a tax liability, Any other intimate knowledge of the creation of the debt by you, the collection agency.
I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until his debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity, You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes, I look forward to an uneventful resolution of this matter.
This company is also not licensed to collect in my state. Which can be verified with XXXX XXXX XXXX. Which is another violation.
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| 02/08/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX I would have replied to your absurd response in XXXX but I was back in the hospital. I am shocked by your reply. You have some nerve saying you have questions as to the veracity of my complaint. So to enlighten you and to get the answers to my questions which seem to be avoided at all costs by you. I will attach the paperwork that I received by Resurgent asking me for money on debt that was never mine and dismissed by the courts. Yet, Resurgent was trying to collect money on this very same card in XXXX of XXXX. And Resurgent was trying to collect more than what the courts were trying to collect pre finding out that this was identity theft. How is that possible??? How can you be asking or trying to collect on something that was removed and dismissed from the courts?
The credit cards that you were trying to collect on in XXXX were cards opened up during an identity theft back in XXXX and XXXX. I know we had a discussion about this and you stated that you never tried to collect on anything that was 20 years old. You are correct it was OVER 20 years. This is absurd that you would continue this absurdity knowing that these cards were opened fraudulently they were not used by me and you even were sent the FTC and the police report 10 years or more ago. So my question is why you chose to report me continuously to all three credit bureaus as being a deadbeat?? Why did you not step up and say this card/cards were opened under identity theft and XXXX disputes the charges?? Why would you continue to ruin my credit for years unnecessarily?? And don't you think I am owed?? It is due to your inability to convey the facts to all three agencies the correct way that nowI feel you you need to go back and make things right.
I have noticed that in our emails and here that you dont answer the questions. You refer me back to a previous reply that do not answer the questions either. I need answers I want to know how you are going to fix this? XXXX XXXX was sent a letter in XXXX of XXXX I know you say you didn't have the accounts back thenXXXX seemed to know about them because she and I had a long chat and I followed up with a letter sending to her the police report the FTC reports on the items I knew about. And she got my info because we spoke again and then she fell off the face of the earth never to be heard from again. I called and was told she was no longer with the company. And I asked who was handling my file. I was told someone would call me back and that never happened. But those collections notices kept coming from you on all three XXXX. I have enclosed the last ones due to you thinking that I am making things up. As i have shared I have a huge file on this mess. And I can guarantee after speaking with some who work at Resurgent LVNV or whatever name XXXX is attached to that your files are missing pieces lost??
So as you can see the damage has been done and its cumulative. How do you plan on fixing the damages you have caused? How do you plan on making this terrible situation right?
I have enclosed the collections letters from you in XXXX and also what the court had owing before it was removed How can two places be collecting on the same account and why are you asking for more money??
These are the questions you have never answered and speaking with all three bureaus you reported me wrong.
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| 08/12/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Now that I have heard back from LVNV/ Resurgent collection agency I want to address the issue below as to the reason Im not responsible for the debt the are seeking to collect and the reason Im not aware of it. If there is a cease and desist attached to it then it is now released with my permission as well the collection agency may perform whatever tasks are needed to correct the account to deleted. Below are the circumstances dealing with the issue and evidence submitted.
While assigned a fiduciary when deemed incompetent there were account that seem to have been opened and paid for out of his best interest by the assigned fiduciary in the fiduciary 's best interest with the permission or consult of Mr. XXXX or the VA authority HUB itself. Attached you will notice a list of debts that are required at the beginning and end of a fiduciary 's duty that shows the bills that are being paid and outstanding so that the VA know the circumstances of the veteran for the oncoming fiduciary. You will notice that the debts being contested or disputed are not listed on this legal document due to the fact that the legal fiduciary opened these accounts fraudulently and was keeping them hidden from the VA, but was still paying them out of the veterans ( Mr. XXXX ) bank account, which was not in his best interest. That is why to some creditors it looks like it was indeed the veteran that opened them and paid out of his account, but in fact he had no control over his finances and his fiduciary was the one opening accounts without his knowledge and permission and illegally, and it shows deceit by not even informing the VA with the bills report while doing so. After years of treatment and rehab Mr. XXXX was able to get to a status where he was able to learn and gain his memory and other things back. at this time he quickly got divorced when he noticed things were happening that should not be and after some time researching what has been going on with things and looking at his records and files, which took some time he realized what was and wasn't his and now is able to start managing his own finances which is document is these attachments. After realizing that he was paying bills for things that was not even his responsibility he realized something needed done and that is why we are where we are today writing this complaint. He has tried many avenues to get these issues fixed, but has gotten anywhere except harassed and accused of many horrible things by the customers service reps from these credit card agencies and it's about time that they correct the issues they have put him through and more! This isn't how we treat war veterans that come back to the USA with injuries then get taken advantage of by an evil person and then have to deal with even more inconsiderate humans while trying to get things fixed, its a disgrace that someone has to deal with this much XXXX in their life over fighting for their country. there are plenty of attachments to support these facts, and please understand what a fiduciary is since most people dont and think that if someone is deemed incompetent they must have a POA, that is incorrect when it comes to federal monies so please make sure your very versed in your knowledge when responding and trying to make more accusations as expected like other times instead of accepting the truth.
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| 04/26/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX LVNV Funding LLC placed me in collections for {$790.00} debt to XXXX. At the time I was unaware that there was even a XXXX account connected to my name. I disputed this several times and was sent a billing statement with my name on it. Mind you that still doesnt explain to me where this debt came from. I asked for verification of a contract with my signature which was never received. I started receiving settlement letters to my mothers house in XXXX when I do not and have not shared an address with her in XXXX. I repeatedly reported inaccuracies with the debt etc and as sent several verification letters for this date. Upon contacting XXXX they were very helpful and I was told they have no evidence of the debt or any prior accounts with me. This was done 2x or 3x over the past 5 years. So I was finally told they cant pull-up anything or attach anything based on my birthday or Social security number. However they were able to send me a verification of debt based on the account number and my name. The debt was for an original amount of {$100.00} which they updated per the dispute and then deleted it as they couldnt verify the origins of the application or search it based on my personal details. ( So In XXXX I did open account with XXXX as I had decent experience with them helping me, but that has no relevance here. Just mentioning it for factual purposes. ) This complaint is NOT about XXXX, theyve been amazing. Anyhow, upon receiving this information I notified LVNV Funding LLC and XXXX of this and provided the investigation results I received from XXXX XXXX directly. LVNV Funding LLC once AGAIN sent a billing statement with my name on it with XXXX XXXX as the company owed. Not only have I never had a contract with them but the debt that they purchased was incorrectly attributed to my name to begin with. Even upon having creditone update the INFORMATION AND acknowledge the deletion of the original account. XXXX has repeatedly verified this debt, even with blatant evidence of inaccuracies and inaccurate reporting, I mean even if the debt was able to be tied to me, XXXX reported a balance of {$100.00}! Where did they get the {$790.00}? This is the issue with debt purchasing. And XXXX chose to update the account INACCURATELY based on LVNV FUNDING LLCS inaccurate debt purchase rather than delete it per my request when the inaccuracies were found acknowledged and identified by all BOTH necessary parties, myself AND the ORIGINAL CREDITOR.. Its been a rabbit hole for almost 5yrs now for a debt on a credit card they say is from XXXX. A debt they claim to have purchased in XXXX and started a fresh collection that is not even mine. Im exhausted with the back and forth and lack of tact in seeing things are accurate. None of it makes sense and Ive done everything submitted documents. Placed identity theft alerts etc and here we are. Its very much negligent on the part of the collection agency XXXX to continue to verify AND report a debt with no actual evidence or effort put into verifying the contracts or signatures pertaining to me. Not to mention the complete disregard for evidence from the original account provided BY ME. As well as investigation results from their own company. They removed the XXXX debt and left the collection debt that rooted from it. Its a full fledged violation of my rights.
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| 08/10/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I am writing to formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by Resurgent Receivables LLC, with Resurgent Capital Services L.P. known as " Resurgent '' serving as the Servicer for the account. I hereby request a thorough re-investigation of this matter based on the following concerns : Lack of Valid Validation of Debt : Resurgent has repeatedly failed to provide any valid verification of debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Despite my previous requests for a contractual agreement containing my full signature and matching my social security number, Resurgent has not produced the necessary documentation to establish the legitimacy of the debt.
Disputed Origin of the Account : Resurgent alleges that the Collections status is from an account that originated on XX/XX/XXXX, with XXXX XXXX XXXX, XXXX, and further claims the last payment was received on XX/XX/XXXX, for {$80.00}, with the account being charged off on XX/XX/XXXX, with a balance of {$2100.00}. I dispute the validity of this account 's origin with XXXX XXXX XXXX, XXXX, as I have never had any creditor relationship with XXXX XXXX XXXX, XXXX. through a contractual agreement executed with my full signature and matching my social security number. This constitutes a violation of the FDCPA, as the burden of proof lies with Resurgent to demonstrate the existence of a valid debt.
Failure to Produce Assignment Transfer of Debt : Resurgent has not provided any verification of debt through an Assignment Transfer of Debt, as required by the FDCPA. This documentation is essential to validate the ownership and legitimacy of the collections account. The absence of such documentation further raises doubts about the legality and accuracy of the collections entry.
Resurgent 's response has been inadequate and has not fulfilled the legal requirements for verification of debt, as outlined by the FDCPA. Instead, Resurgent has provided a false billing statement and terms and conditions, which do not constitute a valid contractual agreement under the FDCPA. This action has resulted in an inaccurate and misleading representation of my credit history with XXXX.
I demand that XXXX initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry reported by Resurgent Receivables LLC, taking into account the requirements set forth by the FDCPA. I urge XXXX to verify the existence of a valid contractual agreement, the permissible purpose for accessing my credit information, and the proper documentation regarding any Assignment Transfer of Debt, as mandated by the FDCPA.
Furthermore, I request that XXXX provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute, specifically addressing the violations of the FDCPA. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous collections entry if found to be invalid or unverifiable.
Your immediate attention to this matter is greatly appreciated. I believe that resolving this dispute in accordance with the law is essential, and I kindly request transparency throughout the re-investigation process, in compliance with the FDCPA.
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| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I am writing to formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by Resurgent Receivables LLC, with Resurgent Capital Services L.P. known as " Resurgent '' serving as the Servicer for the account. I hereby request a thorough re-investigation of this matter based on the following concerns : Lack of Valid Validation of Debt : Resurgent has repeatedly failed to provide any valid verification of debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Despite my previous requests for a contractual agreement containing my full signature and matching my social security number, Resurgent has not produced the necessary documentation to establish the legitimacy of the debt.
Disputed Origin of the Account : Resurgent alleges that the Collections status is from an account that originated on XX/XX/XXXX, with XXXX XXXX XXXX XXXX, and further claims the last payment was received on XX/XX/XXXX, for {$80.00}, with the account being charged off on XX/XX/XXXX, with a balance of {$2100.00}. I dispute the validity of this account 's origin with XXXX XXXX XXXX XXXX, as I have never had any creditor relationship with XXXX XXXX XXXX XXXX through a contractual agreement executed with my full signature and matching my social security number. This constitutes a violation of the FDCPA, as the burden of proof lies with Resurgent to demonstrate the existence of a valid debt.
Failure to Produce Assignment Transfer of Debt : Resurgent has not provided any verification of debt through an Assignment Transfer of Debt, as required by the FDCPA. This documentation is essential to validate the ownership and legitimacy of the collections account. The absence of such documentation further raises doubts about the legality and accuracy of the collections entry.
Resurgent 's response has been inadequate and has not fulfilled the legal requirements for verification of debt, as outlined by the FDCPA. Instead, Resurgent has provided a false billing statement and terms and conditions, which do not constitute a valid contractual agreement under the FDCPA. This action has resulted in an inaccurate and misleading representation of my credit history with XXXX.
I demand that XXXX initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry reported by Resurgent Receivables LLC, taking into account the requirements set forth by the FDCPA. I urge XXXX to verify the existence of a valid contractual agreement, the permissible purpose for accessing my credit information, and the proper documentation regarding any Assignment Transfer of Debt, as mandated by the FDCPA.
Furthermore, I request that XXXX provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute, specifically addressing the violations of the FDCPA. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous collections entry if found to be invalid or unverifiable.
Your immediate attention to this matter is greatly appreciated. I believe that resolving this dispute in accordance with the law is essential, and I kindly request transparency throughout the re-investigation process, in compliance with the FDCPA.
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| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have noticed that there are duplicate accounts that are inaccurate and misleading with the same account number and balance listed on my report. I am requesting that you remove the duplicate accounts from my credit report as soon as possible.
LVNVFUNDG XXXX LVNV FUNDING XXXX Delete the accounts LVNVFUNDG XXXX ( XXXX ) LVNV FUNDING XXXX ( XXXX ) for inaccuracy because the accounts dont belong to me, the original creditor does not own the accounts, and the accounts were sold but still reports a balance. The accounts show different creditor names. I never had an account with LVNV FUNDING and they are violating my rights. Delete the accounts immediately inaccuracy because the date last reported is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. The date last active reported is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX which means the account was re-aged and thats a violation. The date of the last payment reported is XX/XX/XXXX on XXXX and is not recorded on XXXX. The date opened reported is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. The payment status was reported as late 120 days on XXXX and collection on XXXX. The past due is wrong and inconsistent on XXXX and XXXX. How can it be past due on a collection? The account status is reported as open on XXXX and derogatory on XXXX. Both bureaus have inconsistent reporting on this account. Delete the accounts for inaccuracy because XXXX bureaus report different information. LVNV FUNDING has violated my rights numerous times.
15 U.S.C. 1681 section 602 A. states I have the right to privacy.
15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.
15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
15 U.S.C 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.
15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.
15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out.
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| 11/08/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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LVNV Funding is infringing upon my FCRA rights by committing an intentional tort against me via refusing to discharge a fraudulent and invalid debt. I am a former victim of fraud/identity theft. Upon request from the original creditor, XXXX XXXXXXXX XXXX, I have provided a copy of the police report filed in XXXX. On XX/XX/XXXX, I contacted all three credit bureaus disputing the validity of the debt and making it known that I am a former victim of identity theft. On XX/XX/XXXX I received a notice from XXXX XXXX XXXX informing me that the debt had been sold to LVNV Funding and advising me to submit a police report regarding identity theft. I complied, and on XX/XX/XXXX I mailed LVNV Funding a letter of dispute along with a copy of the police report and driver 's license ( from the timeframe of the identity theft ). After submitting the requested exculpatory evidence, LVNV Funding refuses to discharge the fraudulent debt. On XX/XX/XXXX LVNV Funding mailed me a letter demanding that I further submit a completed and notarized identity theft affidavit, a letter from the original creditor ( XXXX XXXX XXXX ) supporting the claim, and court documents showing that the perpetrator has been prosecuted. None of these are feasible to provide based on the following : 1. ) The original creditor, XXXX XXXXXXXX XXXX, responded and stated that the debt had been sold to LVNV Funding and to contact them directly providing a police report ; whereas, I complied. XXXX XXXX is not going to provide documentation supporting my complaint and LVNV Funding is aware of this. 2. ) I now live in Maryland since late XXXX which is outside of the jurisdiction of Texas. 3. ) This incident is dating back to XXXX and is now well beyond the statute of limitations to press charges against the party who stole my identity and provide LVNV Funding that documentation. So these are all moot requests to be made now in XXXX.
I have provided the burden of proof by submitting exculpatory evidence that is admissible in court in support of my claim, whereas LVNV Funding has not provided sufficient validation of the debt. The initial document sent to me via XXXX XXXX XXXX details incorrect address information. This information is also inconsistent with the address information provided by LVNV Funding in a copy of a supposed credit card statement from XXXX XXXX XXXX. Also, the dates detailed via the statement and documents provided by LVNV Funding are inconsistent. On the supposed statement from XXXX XXXX XXXX ( provided by LVNV Funding ), the statement close date is listed as XX/XX/XXXX with a due date of XX/XX/XXXX. This information is inconsistent with what LVNV Funding details in the account summary report. LVNV Funding shows the account charge off date listed as XX/XX/XXXX, which is two days after the statement closing date and prior to the due date of XX/XX/XXXX. Outside of my name, the combination of misinformation provided along with the lack of identifying information is not a sufficient standard of proof and does not validate the debt beyond a reasonable doubt. As LVNV Funding is not the original creditor, and I have submitted a police report satisfying the request of the original creditor, LVNV Funding is outside of their realm of jurisdiction attempting to collect on a fraudulent and invalid debt.
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| 05/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This is a somewhat convoluted situation for which I hope a solution may be found. I had two accounts with XXXX XXXX.
Unfortunately I became severely delinquent with the accounts and was notified via email XX/XX/XXXX that the account would be closed. I continued to receive notifications via email that my XXXX and XXXX statements were available XX/XX/XXXX, XX/XX/XXXX.
In addition to statements I was informed that new documents were available to me XX/XX/XXXX -May statement for account 1 and XX/XX/XXXX for XXXX account 2 XX/XX/XXXX I also recieved 2 separate emails for New Document posted account 1 I attempted to retrieve said documents from my online account but was unable to access it and a message said to call customer service which I did. I was informed the account was closed, but because I had documents available I would be allowed to access my account, they informed me that I should try again the following day. I was, and still am unable to retrieve any documents posted to EITHER account and received no written documentation as to the status of either account. I was fortunately able to pay both accounts {$2800.00} paid date XX/XX/XXXX {$790.00} converted to an ACH paid date XX/XX/XXXX.
I accidently wrote the incorrect account numbers on the checks the {$790.00} was supposed to be for account 1, and the {$2800.00} was for account 2, as such XXXX XXXX XXXX was paid, and ACCEPTED/CASHED the payment to them for both accounts.
I still had not received any documentation concerning these accounts and I was still denied access online. I called customer service on XX/XX/XXXX and explained the situation, they said that the account had been charged off, but they did see that payments had been made to XXXX XXXX. I explained that charged off accounts do not mean they cant be paid, and that I paid and XXXX XXXX accepted payment. Customer service again said that I would receive documentation from XXXX XXXX Concerning the status and payment. That was the second week of XXXX. I called back on XX/XX/XXXX and again stated that I had received nothing for EITHER account and do not have access to any documents online and by consumer right, I must be given documentation demonstrating payment. I was assured that I would receive documentation. On Monday, XX/XX/XXXX I received an email from XXXX at Resurgent Capital Services that I was 3 steps away from a special offer for a sold account 1. On Tuesday, XX/XX/XXXX XXXX I received 2 letters.
One letter from XXXX XXXX dated XX/XX/XXXX stating that account1 had been recently sold to LVNV funding, LLC One Letter from Resurgent Capital Services, dated XX/XX/XXXX stating that effective XX/XX/XXXX, LVNV Funding LLC had placed account 1 with Resurgent Capital Services L.P. for Servicing. I have received NO information about account number 2.
XXXX XXXX has reported the accounts as charged off and sold not paid.
All of this is dated AFTER XXXX XXXX already accepted payment for both of the accounts.
I sent emails to the supervisor and VP of customer service on XX/XX/XXXX and XX/XX/XXXX and placed a call to customer service which rerouted me to a foreign call service bank which said they could not help as the account is no longer theirs. I continue to get emails from Resurgent attempting to collect this fraudulent debt.
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| 07/24/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by LVNV FUNDING LLC. This dispute serves as a request for re-investigation, as XXXX recently sent a letter notifying me that the LVNV FUNDING LLC account was " UPDATED. '' However, I firmly believe that the information remains unverified and unjustified. I request XXXX to conduct a thorough re-investigation into this matter and remove this entry promptly. For the following reasons : Lack of Contractual Agreement with XXXX XXXX XXXX : As stated in my previous correspondence, I have never entered into any contractual agreement with XXXX XXXX XXXX the alleged original creditor. Despite XXXX 's indication that the account was " UPDATED, '' no evidence has been provided by LVNV FUNDING LLC or XXXX XXXX XXXX to demonstrate the existence of a valid contract containing my full signature. I maintain my stance that XXXX XXXX XXXX was never my creditor, and thus, the Collections entry is unwarranted. Failure to Provide Verification of Debt Assignment : The recent " UPDATE '' to the LVNV FUNDING LLC account does not address the core issue of validation. LVNV FUNDING LLC has not provided any verification demonstrating how they acquired the alleged debt from XXXX XXXX XXXX. I reiterate my request for full documentation regarding the transfer and assignment of this debt, as it remains unverified. Violation of Statutes and Permissible Purpose : My concern regarding XXXX XXXX XXXX XXXXs permissible purpose to access my credit information has not been addressed by the " UPDATE '' to the account. The alleged creditor, XXXXXXXX XXXX XXXX has failed to produce any credit application containing my full signature, matching my correct social security number, or any evidence of my consent for them to access my credit information lawfully. I demand that XXXX thoroughly re-investigate this matter, adhering to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). It is essential that XXXX verify the accuracy and legitimacy of the collections entry by LVNV FUNDING LLC and take appropriate actions to rectify any inaccuracies. Initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry by LVNV FUNDING LLC. Verify that XXXX XXXX XXXX had a permissible purpose to access my credit information by providing a credit application containing my full signature and matching my correct social security number. Validate the debt assignment and the legitimacy of the collections account with proper documentation. Remove the inaccurate, false, and unauthorized collections entry from my credit report promptly, if found to be invalid or unverifiable. I also request that XXXX provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute. Furthermore, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous collections entry. Thank you for your immediate attention to this matter. Your cooperation in resolving this dispute is of utmost importance. If the re-investigation process takes longer than 30 days, I demand that XXXX provide me with a written explanation for the delay and a tentative timeframe for resolution.
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| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by LVNV FUNDING, LLC. While checking my credit report, it came to my notice that LVNV FUNDING has furnished an account ACCOUNT # XXXX on my Consumer Reports. Even more disturbing, they have been found to not have the authority to collect from the state of Pennsylvania as they are not licensed nor registered in XXXX They even came to a court hearing I had no recollection of for XXXX out of the XXXX accounts and do not have authority to collect in this state. Here are the rest of what this company does and need to fall into Law.
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the XXXX major XXXX XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by COMPANY NAME will amount to Communication.
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX.
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.
15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.
15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws.
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.
Any further contact by your Agent or LVNV FUNDING, LLC, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights.
If you do not cease communication I will escalate the matter to a Federal Complaint.
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| 02/22/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/18 Re : Acc # XXXX To Whom It May Concern : Be advised that this is not a refusal to pay, but a notice send pursuant to the Fair Dept Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Tile and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : 1. What the money you say I owe is for?
2. Explain and show me how you calculated what you say I owe?
3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Indentify the original creditor : 6. Prove the statute of Limitations has not expired on this account 7. Show me that you are licensed to collect in my state 8. Provide me with you license numbers and Registered Agent.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX XXXX XXXX XXXXXXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following.
1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If you offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If you offices fail to respond to this validation request, within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not to limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communication with me must be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that you records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
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| 10/13/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Resurgent Services is the company that is representing Pinnacle LLC who was the previous owner of this debt. I have written letters to the collection agency asking to validate and verify this debt they are claiming is owed from XXXX. I understand it is past the statute of limitation to collect on this debt. However, Resurgent has illegally consolidated this debt with another debt that is infact within limitations and owed to the creditor. In good faith that Resurgent will correct this error, I paid the amount that was in fact due and correct. I am filing a complaint because this erroneous debt is negatively impacting my credit score significantly. I have requested for this to be corrected with the Collection agency along with the Credit Bureaus who have received this incorrect information.
below is the second letter sent requesting this information is removed and corrected.
To Whom It May Concern : This letter is the second request to validate this debt you are claiming. As I have stated in my previous letter dated XX/XX/XXXX, I have no knowledge or record of this account ( XXXX ) with this creditor. After doing intensive research, I discovered You have falsely consolidated this erroneous debt with what another debt that was in fact, properly owed to another creditor. This consolidation of these debts is not only against the law, but I am concerned about Resurgents ethics and its compliance with the FTC and FRCA.
I have the right to request the validity of the debt, and I have reason to believe this debt was falsely created and my identity was used without my knowledge or consent to create this account. This debt includes account number XXXX with the balance of XXXX and account XXXX with the balance of XXXX. Again, I did not Authorize, nor did I give the creditor my consent to create these accounts. I can assure you ; you do not have any record that there was a contract or agreement of any kind giving my consent, with the creditor and myself.
I am requesting that this information is removed immediately, and your records updated along with the reporting agencies. Based on the information you provided this debt is time- barred ( XX/XX/XXXX ) and the statute of limitations has expired for you to collect on this debt, and for this debt to be reported to the Credit Bureaus and as it stands you are in direct violation of the FRCA.
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.
I have no problem paying my debts, I am willing to reconcile any debt that is in fact owed and that is true and correct. This is reflected with the payment of XXXX to your company dated XX/XX/XXXX confirmation number ending in XXXX.
This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.
I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief.
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| 08/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 11/02/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, IL XXXX Dear XXXX, I hope this message finds you well. I am writing in response to your recent correspondence dated XX/XX/2023. It appears that there may be a misunderstanding regarding my previous request for debt validation and the subsequent communication.
In my initial letter dated XX/XX/2023, I explicitly requested validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I requested a copy of a signed contract or agreement that was signed by all parties involved. Regrettably, your response included an account summary, which does not meet the criteria for proper validation. Under the FDCPA, it is crucial that collectors provide clear and accurate validation of a debt, including the requested documentation.
Furthermore, I asked that all collection activity, including credit reporting, be ceased immediately. This is in line with my rights under the FDCPA. Despite this request, it appears that reporting on the disputed debt has not been halted, and my personal information has been shared without my consent to third parties, which raises concerns about consumer privacy.
In light of these issues, I must emphasize that your response has not adequately addressed my specific requests and appears to be in violation of the FDCPA. I would like to draw your attention to the following points : 1. Failure to provide proper validation of the alleged debt by not supplying a signed contract or agreement as requested. An account summary does not fulfill the requirements of debt validation. The FDCPA stipulates that collectors should not attempt to collect any debt that is not expressly authorized by an agreement creating the debt or permitted by law.
2. Failure to cease credit reporting on the disputed alleged debt. Under the FDCPA, it is considered misleading to communicate credit information that is unknown or should be known to be false.
In the spirit of transparency, I would also like to inform you that a lawsuit was recently brought against me by XXXX XXXX for similar claims. I am pleased to report that I successfully defended my case in court, demonstrating my commitment to upholding my rights and holding debt collectors accountable for their actions.
Due to the issues outlined above, I have experienced additional stress, credit damage, and incurred costs, which I believe could have been avoided. You have missed the opportunity to resolve this matter amicably without resorting to litigation. As such, I intend to seek legal counsel to initiate litigation against you under the FDCPA.
However, you may still choose to rectify the situation before formal legal action is taken. To resolve my FDCPA claims, I kindly request that you take the following actions : 1. Cease and desist all collection activity related to the alleged debt.
XXXX. Delete all credit reporting associated with the disputed debt.
3. Tender the amount of {$1000.00} U.S. payable to the order of XXXX XXXX within XXXX business days from the receipt of this notice.
I believe that resolving this matter promptly and in a compliant manner is in the best interest of all parties involved. I look forward to your timely response and cooperation.
Respectfully, XXXX XXXX
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| 03/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer-reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. This company LVNV has sold my personal and confidential information to resurgent capital services without my permission. I would like to receives {$10000.00} from both companies for the all of the violations. Resurgent Capital services has threatened to damage my credit, harassing me with emails, phone calls, and mailing at my private address when I already wrote a cease and desist. Please issue this remedy asap or I will be force to sue in court for violations of the of the Fair Debt Collection Practices Act specifically 15 USC 1692d 806. Harassment and/or abuse. I have attached emails, and physical mail from resurgent they re driving me insane!
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| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per the Fair Credit Reporting Act 15 USC 1681, 602 A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, LVNV FUNDING LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services immediately.
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| 05/24/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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The company is LVNV funding.
I first became knowledgeable of this company in XXXX, early XXXX when they attempted to sue me and filed a lawsuit in Texas. This was not a state that I had currently lived in yet, but I had started to forward mail there as I was going to move there in XX/XX/XXXX.
The address that I was moving to received the summons, and thats when lawyer started to contact me. After doing some research, a period of time has passed, I reached out to LVNV as well as attorneys All along Ive declared that this debt is not mine.
When I called the courts, as time was closing in, they later, said that the case was dropped, and then maybe within a month or two it was deleted off my credit report, only to find itself on my credit again only a couple months later All during this. I had also applied for a passport, a US one, in which it took me nine months to get it, and which even the state department acknowledge that theres some identity theft going on with my particular name and information so clearly this had returned again with my identification issues, a previous issue that I had with someone who was utilizing my identity in XXXX, Oregon many years ago, not sure if this is the same exact case.
At any rate, I have contacted this company multiple times and ask them to send a verification letter or validation of death or whatever language that is utilize so I can file a police report Ill go through the necessary steps because this is a {$3000.00} plus debt that is on my credit that is destroying my credit, now I have a couple other things that are on my credit that I own up to, but this does not belong to me I called them as recently as three months ago they said that they were sending out, then I called him two weeks ago and they said that they should be in 5 to 7 business days. So I didnt get it within the pre-5 to 7 business days so I reach out to them again today and they said that Ill get a 24 to 48 hours, I asked her do you have any record of it being sent out before, she said no.
I am doing my best to work with this company to figure out what the XXXX is going on, pardon, my language, but this is ridiculous that they are slow responding for me to get this issue resolved, meanwhile, they have no problem every month reporting that this is debt when I know for a fact that this debt does not belong to me. I dont know what else to do, but these collection agencies should be held to a high standard in terms of going after people who have debt, especially when all Ive been doing, is trying to go through the steps that have been advised to me by multiple credit, bureaus and information on the Internet to get this resolved, if it was to be my debt that I could pay it, but Im not gon na pay for something that does not belong to me and could be an issue of identity theft, like the state department found out, and what happened when I was in college Like I said, I can own up to my debt that I owe as I have two other collections that are on my credit, as well as a charge off, I have seven credit cards that Ive worked very hard to improve incorrect my credit, but this account with this huge amount of that absolutely does not belong to me and I dont want it on my credit report if it does not belong there
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| 12/24/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This letter is being sent to you in response to a notice of a collection placed on my credit report on XX/XX/2019 and XX/XX/2019. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 07/25/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Under 15 U.S. Code 1602 ( I ) ( I ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer transaction below. They should all be removed from My consumer report pursuant to 15 U.S. code 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.
The term debt collector under 15 USC 1692a ( 6 ) means any person who uses any instrumentality of interstate commerce or the mails in any business the principal of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or sue or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, use any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purposes of section 1692f ( 6 ) of this title, such term also includes any person who used any instrumentality of interstate commerce or mails in any business the principal purpose of which is the enforcement of Secuirty interest. This passage clearly states that the term debt collector means ANY person who attempts to collect a debt. LVNV Funding LLC falls under the FDCPA. With this understanding, I know that all bills ( statements ) received in the mail are an attempt to collect an alleged debt.
Under 18 USC 892 ( a ) Making extortionate extension of credit states, whoever makes any extortionate extension of credit, or conspires to do so shall be finder under this title or imprisoned not more than 20 years, or both. ( 6 ) an extortionate extension of credit with respect to which it is the understanding of the creditor and the debtor at the time it is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to a person, reputation, or property of any person. Currently, LVNV Funding LLC is has taken property from a consumer credit transaction without authority or right to do so, damaging my consumer reputation due to unverifiable and inaccurate reporting information, therefore further damaging me financially, emotionally, and mentally.
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| 06/03/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you LVNV Funding to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. LVNV Funding must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for LVNV Funding to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and LVNV Funding. Providing that LVNV Funding is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
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| 06/29/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Please see complaint XXXX that was closed. Please review the response from LVNV funding. It is absolutely false and a lie and I have proof. I have attached the communication with LVNV Funding 's attorney whom I worked personally with in dismissing the case against me for the debt they claim. They have absolutely lied about why the case was dismissed. I also will point out, they provided false statements of an account with their original case for this account filed against me, which is why they clearly stated the documents I attached were not for the account they are collecting for, but those are indeed the statements they provided to the court for this exact case. There is major illegal practices taking place at this company and I plan to seek an attorney to prevent this from happening to other people. Please review all documents from my complaints and you will see, I am not responsible for this account and by them continuing to report and harass me to collect, they are financially abusing me! Please help.
If they couldn't get a hold of me to serve me, then why the XXXX do I have all these documents showing my communication and documents proving this isn't my account and communication with their lawyer dropping the case against me??? They lied!!!! If this doesn't get resolved then what is the CFPB for?? I have been fighting this for almost two years now. This is abuse!!!!!!! What more proof can I provide before you stop and look at it and get this off my credit reporting. I can't take it anymore!
See the response from Resurgent/LVNV funding XXXX regarding my complaint and the investigation conducted. XXXX if you look at the documents they provided in their own response they have provided account statement for two different accounts!! Pg 47 has statements from one account and pg 51 is a completely different account. It almsot looks as though statements were falsely made. I also have statements submitted to the courts for this account that have my name completely removed from them and only Mr. XXXX listed and another account number listed!! But this is supposedly all for the same debt they are collecting on? That is makes no sense at all.. How they can change statements made from years ago has me very concerned. I feel there should be a deeper investigation done with this company as they seem to be able to generate statements from previous years and edit them to fit their need to get their money. Not one of the statements have the total listed for the amount of debt they are claiming, nor is it itemized as to what the charges are for. I have provided everything you need to see they are lying and that I have already proved with THEIR OWN attorney XXXX this is not my debt. There is already another law suit issued for the debt of this account to the account owner. I never even lived at the address the statements were mailed to, I never even knew about the account. It is your job to investigate this. I have provided everything you need to clearly see they are lying and this isn't my account and the case was dismissed because I proved so, NOT because they couldn't get a hold of me to serve me, they mailed me the XXXX fraud packet for XXXX sake! Thank you and look forward to your response!
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| 08/31/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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On XXXX/XXXX/2016, I received a letter dated XXXX/XXXX/2016 from XXXX XXXX XXXX, XXXX. identifying themselves as a debt collector seeking to collect the above referenced amount from the original creditor identified as XXXX XXXX XXXX, XXXX. I responded to this letter with correspondence dated XXXX/XXXX/2016 that specifically requested the following ; Proof of licensure to collect in my state Proof of license numbers and Registered Agent The original creditor 's contract with signatures or a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ; and A letter of assignment ( evidence of ownership of the debt ).
I received correspondence from XXXX XXXX XXXX, XXXX. dated XXXX/XXXX/2016 that included several printouts of credit card statements, but none of what I requested in my correspondence dated XXXX/XXXX/2016. I responded with correspondence dated XXXX/XXXX/2016 requesting that their office confirm they are legally entitled to collect the debt they are seeking by sending the items requested in my correspondence dated XXXX/XXXX/2016.
After sending my correspondence dated XXXX/XXXX/2016, I received three different letters from XXXX XXXX XXXX, XXXX. all dated XXXX/XXXX/2016. XXXX letter states the following ; " Our office received notification of a dispute regarding the above mentioned account. For us to properly address your concern, we will need more information in writing about the nature of your dispute. '' I am unsure as to this request, because my correspondence dated XXXX/XXXX/2016 and XXXX/XXXX/2016 clearly state my needs. The second and third letters are identical and both state the following ; " Previously we verified the above referenced debt with copies of related documents ; a measure that is above and beyond what is required. '' The difference between the second and third letters is that only one included enclosures. These enclosures were a copy of a credit card statement and XXXX pages of an Account Summary Report. In regards to the statement that XXXX XXXX XXXX, XXXX. " verified '' the referenced debt, the credit card statement enclosures do not suffice as proof that their office is able to legally collect the debt.
On XXXX/XXXX/2016, I received a letter dated XXXX/XXXX/2016 from Resurgent Capital Services identifying themselves as a debt collector seeking to collect {$650.00}. As stated earlier, I had already received correspondence from XXXX XXXX XXXX, XXXX. identifying themselves as a debt collector and demanding payment. I also stated that one of the three letters from their office included a XXXX page Account Summary Report. This report notes, " This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC . It is not a credit card or other account statement from the original creditor. '' This statement seems to suggest that both companies are aware of each other and related/working together, however, given the fact that Resurgent Capital Services ' correspondence dated XXXX/XXXX/2016 includes the debt validation notice printed at the bottom suggests that they are in fact a company separate from XXXX XXXX XXXX, XXXX. that is also demanding payment for the alleged {$650.00} debt.
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| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Good Morning CFPB, I again have checked my Consumer Report from XXXX XXXX. Yet again when I contacted XXXX XXXX about my Consumer Report, XXXX XXXX again advice me that this is the game that theses collection agency play using other names and to continue with your complaints to get them permanently removed. CFPB, I have also enclosed the certified mail receipt, the letter which I sent to Lvnv Funding LLC and documents of this fraudulent account that is still on my Consumer Report. Its been over thirty days and I still haven't heard or seen any change on my Consumer Report. Federal Law 15 USC 1681 ( a ) ( 4 ) clearly states : ( a ) Accuracy and Fairness of Credit Reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of Consumers. ( 3 ) Consumers reporting agencies have assumed a vital role in assembling and evaluating Consumer credit and other information on Consumers. ( 4 ) There is a need to ensure that Consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the Consumers right to privacy. Federal Law 15 USC 1681a- ( e ) clearly states : ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Federal Law 15 USC 1681b clearly states : ( a ) In general Subject to subsection ( c ), any Consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal Grand Jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the Consumer to whom it relates.
Federal Law 15 USC 1681q clearly states Obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both. CFBP, Clearly Lvnv Funding LLC has Violated my Consumer 's Rights as it is stated above and are continuing to commit Identity thief which is another Consumer Violation.
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| 04/13/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In response to CFPB compalint # XXXX. I, XXXX XXXX, a federally protected consumer, am making this 2nd complaint against LVNV Funding/Resurgent XXXX XXXX for violating a cease and desist noticed they received on XX/XX/XXXX and for continuing to invade my individual privacy by continuing to commit abusive, deceptive and unfair debt collection practices.. I am still aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). After viewing LVNV Funding response to the prior complaint, I am aware that a 3rd entity ( XXXX XXXX ) was involved in this fraudulent activity, because LVNV Funding stated that Resurgent ( Master Servicer ) " placed '' this account with " one or more '' " Servicers ''. To which I have not consented to, or signed any trilateral contracts to conduct any business with either of these 3 companies. LVNV Funding/Resurgent XXXX stated that " LVNV ( owner ) /Resurgent ( Servicer ) " acquired '' this alleged debt on XX/XX/XXXX. Also in the company 's response to the prior complaint, LVNV/Resurgent also attached a letter that was sent to an address that is not my address on XX/XX/XXXX, from XXXX XXXX. Even if this alleged debt was verified/validated, LVNV Funding/ResurgentXXXX would be in violation o
f 15 usc 1692g, which states that the written notice is to be sent within 5 days after the initial communication with the consumer. Also, 15 1692f ( 1 ) states that the attempt to collect any amount not authorized by the agreement creating the debt is a violation. Clearly in the letter attached in the company 's response from LVNVXXXX XXXX XXXX XXXX XX/XX/XXXX, proved that there was an attempt to collect {$440.00}, Which would be an different amount of the alleged debt of {$590.00}. Actually sending these letters is another violation according to 15 usc 1692f ( 7 ).
After viewing the response to the prior complaint, I have actually found multiple violations under the FCRA and FDCPA committed by LVNV/ResurgentXXXX . Also in their response, LVNV/Resurgent attempted to send letters to multiple addresses not belonging to me in the attempt to collect on this alleged debt. That is definitely abusive debt collection practices. With all of this, and as of XX/XX/XXXX, LVNV Funding/Resurgent XXXX failed to send any documentary evidence such as a trilateral contract, bearing my signature, giving LVNV/Resurgent any rights to collect on this alleged debt. If LVNV can not provide the requested legal/lawful documents to validate this alleged debt, and with this fraudulent information being reported on my consumer report, it is my belief that LVNV/Resurgent is attempting to purposely harm me and my financial reputation by means of extortion pursuant 15 usc 1692d ( 4 ). I have attached the cease and desist, the debt validation letter, both sent to LVNV on XX/XX/XXXX. Also attached is their response to the prior complaint, labeled as Exhibit A. Also attached is a FTC report that will be labeled as Exhibit B when filing for litigation in Federal Court to this complaint. I have also filed complaints against LVNV to other authorities concerning their actions.
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| 02/20/2017 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Impersonated an attorney or official
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Web |
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I recently disputed the accounts listed in my credit file and they insist on replying verified to the following accounts which have been charged off and sold to collection agencies.
XXXX Acc # XXXX has been sold to XXXX XXXX, XXXX XXXX Dispute Reason : " CONTRACT WAS CANCELLED '' COMMENTS : NO CONTRACT XXXX Acc # XXXX has been sold to LVNV Funding LLC XXXX XXXX XXXX Dispute Reason : " CONTRACT WAS CANCELLED '' COMMENTS : NO CONTRACT XX/XX/XXXX XXXX XXXX, XXXX XXXX SSN : XXXX | DOB : XX/XX/XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance.
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of Federal Law.
When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do n't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but you 've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of XXXX ( a ) ( XXXX ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' I request that you do this immediately.
The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
|
| 06/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
|
| 05/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My initials are XXXX. I have submitted the following complaint to LVNV Funding and their servicing company Resurgent Capital Services : This letter is in response to your recent claim regarding the aforementioned account, in which you claim that I owe a balance to your organization.
IN VIOLATION OF MY RIGHTS I HAVE NO record of having received a first communication from LVNV Funding, LLC nor a second communication 5 days after such an initial communication pursuant to 15 U.S.C. 1692g ( a ) which requires debt collectors to provide a written notice including certain information to consumers along with, or within five days of, the initial contact with the consumer. Where is the PROOF of your delivery that said communication was EVER sent?
Yet again, you still need to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.
As per the FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a bill or itemized document printout does not constitute verification.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I also am maintaining a full and complete record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance with federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I may also seek actual and punitive damages as the court may allow Additionally, I may make a motion for a trial by jury If you can not produce the necessary documentation I require, and your organization and LVNV fails to delete these 2 entries from my credit report within 10 days of receipt of this letter, I will seek legal recourse against your organizations.
You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows :
|
| 05/10/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is about the Consumer Credit Transaction with your financial institution executed by way of signing an Agreement. As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' I demand you Cease and Desist from disclosing my " nonpublic personal information '' to all " nonaffiliated third parties '', which includes XXXX, XXXX, and XXXX. The provisions of USC 6801 ( a ) state " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Please be advised that I have not given your company which is a consent to share my " nonpublic personal information '' and if there's a nondisclosure clause in your contract/agreement giving you that option to share my " nonpublic personal information ''. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. IS USC 6802 ( B ) clearing states that * A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. USC 6802 ( B ) 1b " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party '' IS USC 6802 ( B ) Ic " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above- mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX XXXX and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report : My rights are being violated 15 USC 1692d ( 1 ) Any bad debt furnished on my report is ruining my reputation and is a defamation of character.
Pursuant to 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Also pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter.
Sincerely XXXX ; XXXX
|
| 10/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello, LVNV and/or Resurgent. In your response to Complaint XXXX your office stated ; Resurgent and the Current Owner comply with all applicable regulatory and licensing requirements in each state where they operate.
First of all, I wanted to let you know I did not ask for this information but I would like to see said licensing and permits pertaining to doing business in the state of California. I only see you do businesses in South Carolina, Maryland, and Nevada. Please attach licensing details.
You also stated ; Resurgent has reviewed XXXX XXXX additional concerns. From our review, we believe most of their concerns were already addressed in our response to their previous inquiry dated XXXX XXXX XXXX
We are enclosing a copy of our previous response for review.
Your previous communication AGAIN only explained how you purchased this alleged debt/account and sent along several statements. Please be advise automatization break down of charges ARE NOT considered proper validation of Debt, therefore, your statements wont satisfy this request.
Like I said before, I sent to your office ( Email copy attached ) a validation letter requesting the following ; Resurgent Capital Services Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. ( Original and Completed Credit Application Form ) Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Completed detailed transactions, refunds, chargebacks, credits, or dishonored checks that put the account on negative balance. ( All Credit Card Statements from beginning to last one ) Original Purchase Agreement between you and alleged creditor.
As of today XXXX XXXX XXXX I have NOT received the requested documentation, instead break down of charges and statements of the alleged account which per law does not constitute validation of debt. You were supposed to send it all, specially the original purchase agreement between both parties.
30 days had passed so this collection must cease right away. I hope all collection are currently NOT REPORTING while under investigation ( past and current investigations ) and closes as soon as possible or Ill be working with my current law firm to seek legal remediation, and it wont come cheap. Ive been turned down line of credit for my business and mortgage due to this account. I will be demanding remediation for all lost business and defamation of character.
Attachment ( XXXX ) : Email with Validation of Debt attached to it.
Your own Response to XXXX Complaint Original Validation of Debt Request ( sent in email )
|
| 06/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
XXXX. On XXXX/XXXX/XXXX I received a Motion for Default to XXXX XXXX. On XXXX/XXXX/XXXX I filed a Motion to Deny/Set Aside Default within 20 days.
XXXX. On XXXX/XXXX/XXXX I received from attorney a Memorandum with Return of Service from XXXX XXXX XXXX time ever seen this document ), the Motion for Default and the Affidavit for Non-Military Service. This documents states that papers were sent to XXXX address, when in fact they were sent to XXXX address ( envelop say XXXX thing while but actual documents differ as far as the addresses ).
XXXX. On XXXX XXXX, while attempting to buy a car and got denied, I saw my credit report and noticed the Default Final Judgment on XXXX/XXXX/XXXX had been granted. Up to this point attorney has not send me notification of such Judgment, especially since I put a Motion to Deny/Set Aside the Motion to Default 3 weeks before.
XXXX. On XXXX/XXXX/XXXX I filed a Motion to Vacate Final Judgment.
XXXX. One week later XXXX/XXXX/XXXX the attorney finally sends me a copy of the Default Final Judgment when he received my Motion to Vacate the Default Final Judgment. Apparently this case went to trial on XXXX/XXXX/XXXX behind my back, never having gotten served or gotten a subpoena. I was never notified to defend myself as it is legal and proper. In addition, a Judgment was placed to my homestead property, which is illegal in Florida. This tactics to sheet people out of the little we have should not be tolerated in any setting.
XXXX. On XXXX/XXXX/XXXX attorney did not show up to court in reference to my Motion to Vacate Judgment, apparently address was wrong.
XXXX. XXXX hearing was set for XXXX/XXXX/XXXX attorney did not show up again and the Judge Agreed to Grant me the Order to Vacate Final Judgment, thus ruling in my favor. Judge was to set a new trial date for XXXX/XXXX/XXXX.
XXXX. On XXXX/XXXX/XXXX Attorney sent Requests for Production, Admissions and XXXX Set of Interrogatories to the XXXX address.
XXXX. On XXXX/XXXX/XXXX I requested that the attorney send me Validation of Debt in order for me to be verify if the debt belongs to me and be able to fill out his Requests from item # XXXX above completely. My letter specified that the next communication the attorney have with me, is to provide me with validation of debt.
XXXX. On XXXX/XXXX/XXXX I received again the same package from item # XXXX to the XXXX address but the Notice of mailing states that it was sent to the XXXX address. The attorney completely disregarded again my request for validation of Debt.
XXXX. So on XXXX/XXXX/XXXX I requested yet again, for Validation of DebtXXXX. As of today XXXX/XXXX/XXXX I still have not received Validation of Debt from the law office of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX.
Although I receive mail to XXXX addresses, this law firm 's paperwork are conflicting from what the envelops state. They never served me and completely went behind my back in a sneaky way to file a judgment against my homestead property. They failed to notify me of the events that occurred in a timely, professional, ethical and illegal fashion. They also fail to verify the debt as belonging to me after multiple attempts on my behalf.
|
| 10/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Formal Complaint Against Resurgent Capital Services , L.P .
To CFPB, I am writing to file a formal complaint against Resurgent Capital Services, L.P., regarding a series of violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Colorado state law. I believe this complaint falls under the jurisdiction of the Consumer Financial Protection Bureau, and I kindly request your assistance in resolving this matter.
On XX/XX/2023, I sent a formal letter to Resurgent Capital Services, L.P. ( Exhibit A ), explicitly stating that I was refusing to pay and requesting that the Limited Partnership cease and desist all further communications regarding this debt. However, on XX/XX/2023, I received a letter from Resurgent Capital Services dated XX/XX/2023, which was a duplicate of letters sent to me on XX/XX/2023 ( Exhibit C ) and XX/XX/2023 ( Exhibit D ).
Moreover, on XX/XX/2023, at XXXX XXXX MST, I contacted Resurgent Capital Services, LP at XXXX and spoke with a representative who initially lied to me by stating that they had not communicated with me regarding the account. However, upon further inquiry, the representative confirmed that they had received my written cease and desist letter on XX/XX/2023. It was also confirmed that, as of XX/XX/2023, Resurgent Capital Services was legally required to cease all communications with me regarding this particular account.
In addition, on XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX, attempting to collect the same debt that Resurgent Capital Services was also attempting to collect on ( Exhibit E ).
Based on these actions, I believe Resurgent Capital Services, L.P. has violated my rights under the following statutes and regulations : CO Rev Stat 5-16-106 section ( 3 ) ( I ) : Failure to advise me that their collection efforts have been terminated.
CO Rev Stat 5-16-108 ( e ) : Causing charges to be made to me for communication via USPS and telephone.
FDCPA Section 805 ( c ) : Contacting me after I requested in writing that a third-party collector cease and desist from further contact regarding an alleged debt.
Rules for FDCPA Debt Collect 1006.14 : Engaging in contact with intent to harass a person.
Rules for FDCPA Debt Collect 1006.6 ( c ) ( 1 ) : Communication with a consumer after a refusal to pay or cease communication notice.
Enclosed with this letter, please find copies of all relevant documents, including my original cease and desist letter, Resurgent Capital Services ' correspondence, and the call recording from my conversation with their representative.
I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to rectify the situation, ensuring that my rights as a consumer are protected. Additionally, I would appreciate being kept informed about the progress of this complaint and any actions taken.
Please do not hesitate to contact me if you require any further information or documentation from me to proceed with the investigation. I can be reached at XXXX or XXXX at your earliest convenience.
Thank you for your prompt attention to this matter. I look forward to a swift and just resolution.
|
| 09/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Today I pulled my credit report and noticed that the company LVNV FUNDING, LLC was listed as a collection agency on 2 separate debts. " Dates Opened '' are both listed as XX/XX/XXXX. I contacted LVNV and spoke to 'XXXX XXXX at which time I tried to gather more information about the debts. I was told that debt # 1 was from XXXX XXXX in the amount of {$900.00}. I asked her to verify the original date of delinquency and she refused, stating that she did not have access to that information and that I would need to contact the credit reporting bureaus for any additional information. I was then told that debt # 2 was from XXXX XXXX NEVADA in the amount of {$590.00}. I asked for the originial date of delinquency and was told the same ; to contact the credit bureaus for any further information. I asked if there was any other account information she could give to help me verify the debts. She told me " no '', at which time I insisted on speaking to a supervisor.
Next, I spoke with " XXXX ''. I asked her to give me a reference number or account number for the debts, which she was able to provide. I asked again what the original date of delinquency was for each account. XXXX stated that the " original date the account was opened '' was XX/XX/XXXX for the XXXX account. I told her that I was asking about the original date of DELINQUENCY, to which she replied that she could not give me that information because it was handled by a different department. I asked XXXX what the contact information was for that department and was told that I was not able to contact the department, they did not take calls. I requested any contact information for that department ; e-mail, fax, social media page, etc.. and XXXX stated that any additional information would need to come from the credit bureaus.
Immediately after contacting LVNV FUNDING, LLC I contacted the original companies that owned the accounts ; XXXX XXXX and XXXX XXXX. XXXX XXXX Debt Recovery Department advised me that the original date of delenqency was no longer available to them as the account had been charged off and sold to LVNV FUNDING, LLC and to contact LVNV FUNDING, LLC for the account information, as they were in possession of the account in its entirety. I asked if that meant that they would have access to the original date of delinquency and customer service representative 'XXXX XXXX said, " Absolutely. ". I did also immediately call XXXX XXXX and spoke to 'XXXX XXXX who advised me that the current account purchaser, LVNV FUNDING, LLC , has access to the information for the original date of delinqency but did provide me with a fax number to contact someone in their account archives/recovery department to request a thorough look-through of my account.
I learned more in 10 minutes speaking to each credit compnay than I did in the 40 minutes arguing with LVNV FUNDING, LLC.. It's clear LVNV FUNDING, LLC did not want to disclose the original dates of delinquency because the accounts are too old and outdated to be collecting. Furthermore, when contacting 2 other collection agencies for 2 other debts, I had NO problems getting the information I needed to verify the debts.
|
| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
LVNV/Resurgent XXXX XXXX XXXX is still reporting a fraud collection account on my credit reports, damaging my credit & scores! I lost XXXX points when I had a XXXX & growing higher! LVNV/Resurgent XXXX XXXX XXXX has responded to my CFPB complaint on XXXX, on the XXXX or XXXX of XX/XX/ with no legal proof this fraud account belongs to me! I requested in my 1st notice, provide all these legal documents, plus wet signature & original contract of this fraud account & they didn't, because IT DOESN'T BELONG TO ME!! LVNV can't provide true legal proof, & a summary of a computer generated account of fraud DOES NOT prove anything! An account summary or bill is NOT legal validation & this is breaking the laws! AGAIN I AM A VICTIM OF ID THEFT, SOME ONE HACKED MY CORPORATE BANK ACCT. INFO & MY EMAILS & MY OTHER BUSINESS ACCOUNT & OTHER PERSONAL INFO. I INCLUDED THE FTC REPORT IN THIS COMPLAINT! I'm including the original notarized notice, AGAIN! I also sent a copy certified mail to LVNV corporate office to the CEO & CFO! I SUGGEST LVNV ( XXXX )
Compliance Department Resurgent Capital Services L.P. READ THIS NOTICE AGAIN BECAUSE YOU ARE VIOLATED SO MANY LAWS, PLUS MY ABORIGINAL AMERICAN NATIONAL RIGHTS! 9THAT YOU CLEARLY KNOW NOTHING ABOUT OR THIS WOULD NOT BE OCCURRING AFTER MY NOTICE ) I AM ASKING YOU NICELY AGAIN TO REMOVE THIS FRAUD ACCT, FROM MY CREDIT REPORTS ASAP BEFORE I PROCEED WITH A LAWSUIT TO YOUR CORPORATION THAT WILL BE WAY MORE THEN THIS {$2000.00} OF THIS FRAUD ACCOUNT! I NEVER OPENED!!!!! HOW DARE YOU SEND A COPY OF SOME BILL SUMMARY OR ACCOUNT SUMMARY YOU GOT FROM THE ORIGINAL CREDITOR ABOUT THIS FRAUD ACCOUNT!! COPIED COMPUTERIZED INFO. WITH MY NAME ON IT, PROVES NOTHING, FURTHER MORE YOU DID NOT EVEN KNOW MY C/O ADDRESS BEFORE MY 1ST COMPLAINT ON XXXXXXXX & YOUR COMPANY JUST DRAFTED UP THAT FRAUD ACCOUNT SUMMARY AFTER YOU RECEIVED MY COMPLAINT WITH THAT C/O ADDRESS! I RECEIVED A COLLECTION LETTER AT MY CORPORATE OFFICE & THAT IS THE ONLY ADDRESS THIS ORIGINAL CREDITOR OF THIS FRAUD ACCOUNT COULD OF HAD ON FILE! SO STOP PRETENDING LIKE MY C/O ADDRESS, IS SOMETHING THAT HAS BEEN IN YOUR SYSTEM! YOU ARE A 3RD PARTY THAT PURCHASED INFORMATION OF A FRAUD ACCOUT IN MY NAME! & YOU ARE 3RD PARTY, I DID NOT GIVE AUTHORIZATION FOR MY PERSONAL AFFAIRS & VIOLATING MY PERSONAL CREDIT. YOU HAVE 2 MORE WEEKS TO REMOVE THIS FRAUD FROM MY CREDIT REPORTS OR I AM PROCEEDING WITH FURTHER LEGAL ACTIONS! I HAVE ALREADY SUBMITTED A COMPLAINT TO THE ATTORNEY GENERAL & US TREASURY COMMISSIONER! IF YOU THINK YOU CAN JUST IGNORE MY NOTARIZE NOTICE LIKE IT'S NOTHING, YOU BETTER THINK AGAIN, YOU CLEARLY DIDN'T UNDERSTAND THE VERBIAGE IN, MY 1ST NOTICE. I KNOW MY RIGHTS, YOU HOW EVER, CLEARLY DO NOT!! I WORKED TOO HARD FOR MY CREDIT TO DROP THIS MUCH OVER A FRAUD ACCOUNT THAT DOES NOOOOOT BELONG TO ME!!!! I HAVE ENCLOSED THE ORIGINAL NOTICE ONCE AGAIN FOR YOU TO REVIEW & THIS TIME TAKE SERIOUS BEFORE IT'S TOO LATE! PLEASE, DO THE RIGHT THING, BEFORE THIS MATTER GOES ANY FURTHER! I AM THE ONE THAT IS THE VICITM, IN YET IM BEING PUNISHED FOR SOMETHING I DIDN'T DO & NO, YOU WILL NOT GET AWAY WITH VIOLATING MY RIGHTS! THANK YOU VERY MUCH!
|
| 10/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX XXXX Resurgent Capital Services, L.P.
To CFPB, I am writing to file a formal complaint against Resurgent Capital Services, L.P., regarding a series of violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Colorado state law. I believe this complaint falls under the jurisdiction of the Consumer Financial Protection Bureau, and I kindly request your assistance in resolving this matter.
On XX/XX/2023, I sent a formal letter to Resurgent Capital Services, L.P. ( Exhibit A ), explicitly stating that I was refusing to pay and requesting that the Limited Partnership cease and desist all further communications regarding this debt. However, on XX/XX/2023, I received a letter from Resurgent Capital Services dated XX/XX/2023, which was a duplicate of letters sent to me on XX/XX/2023 ( Exhibit C ) and XX/XX/2023 ( Exhibit D ).
Moreover, on XX/XX/2023, at XXXX XXXX XXXX, I contacted Resurgent Capital Services, LP at XXXX and spoke with a representative who initially lied to me by stating that they had not communicated with me regarding the account. However, upon further inquiry, the representative confirmed that they had received my written cease and desist letter on XX/XX/2023. It was also confirmed that, as of XX/XX/2023, Resurgent Capital Services was legally required to cease all communications with me regarding this particular account.
In addition, on XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX, attempting to collect the same debt that Resurgent Capital Services was also attempting to collect on ( Exhibit E ).
Based on these actions, I believe Resurgent Capital Services, L.P. has violated my rights under the following statutes and regulations : CO Rev Stat 5-16-106 section ( 3 ) ( I ) : Failure to advise me that their collection efforts have been terminated.
CO Rev Stat 5-16-108 ( e ) : Causing charges to be made to me for communication via USPS and telephone.
FDCPA Section 805 ( c ) : Contacting me after I requested in writing that a third-party collector cease and desist from further contact regarding an alleged debt.
Rules for FDCPA Debt Collect 1006.14 : Engaging in contact with intent to harass a person.
Rules for FDCPA Debt Collect 1006.6 ( c ) ( 1 ) : Communication with a consumer after a refusal to pay or cease communication notice.
Enclosed with this letter, please find copies of all relevant documents, including my original cease and desist letter, Resurgent Capital Services ' correspondence, and the call recording from my conversation with their representative.
I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to rectify the situation, ensuring that my rights as a consumer are protected. Additionally, I would appreciate being kept informed about the progress of this complaint and any actions taken.
Please do not hesitate to contact me if you require any further information or documentation from me to proceed with the investigation. I can be reached at XXXX or XXXX at your earliest convenience.
Thank you for your prompt attention to this matter. I look forward to a swift and just resolution.
|
| 05/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I submitted a complaint against LVNV FUNDING on XX/XX/2022, via the CFPB in regards to LVNV FUNDING misusing my identifying information ( known as fraud/identity theft ), how I originated the funds, and how their debt collection practices are unfair, misleading, and are falsely represented. I informed them of various consumer violations as well. I received a response from them, however, the response they made did not address the full complaint. They skipped over the majority of the complaint and only made a response to the last few sentences of the complaint where I stated " I received notification from my credit report that LVNV FUNDING closed both collection accounts. Then as of XX/XX/2022, one of the collection accounts showed that is was open again and on XX/XX/2022, one of the collection accounts showed that is was removed from my report. '' They say their records indicate that the records were reported to the credit bureaus consistently, but based on the evidence I have from my credit report, that is false. LVNV FUNDING ignored this evidence. Accounts can only show closed/removed if someone from LVNV FUNDING furnishes that information to the credit bureaus. Them also ignoring the majority of my complaint is very unprofessional and likely that they do not have a legal rebuttal to respond with. LVNV FUNDING then proceeded to respond to a claim from XX/XX/2022, though that claim was not mentioned in the XX/XX/2022 claim I would like to respond to LVNV FUNDING and say that when I asked for more information about the alleged debt, the representative informed me that the cease and desist has to be lifted in order for her to speak about the details of the debt, the cease and desist was not lifted at any time before, during, or after the call, therefore she should not have stated any details of the debt, this is a violation of the FDCPA. This call was recorded so the conversation can fully be heard on what happened at that time as well. The representative also stated herself that she should not have told me what she did. If LVNV FUNDING is truly in compliance with the FDCPA and other consumer laws I have cited, I would like LVNV FUNDING to rebut my complaint with the law as it is intended to be used. Law can only be rebutted with law, fact and evidence. All of which can not be done because LVNV FUNDING does not have any legal right to collect on this alleged debt. Statements of accounts are not legal contracts and do not give debt collectors the legal right to collect to on that alleged debt. I have no legal signed contracts with LVNV FUNDING, they purchased this alleged debt in hopes of obtaining as much money back as possible from their purchase. The alleged debt is already paid for. The collection of this alleged debt is a violation of 15 USC 1692e ( 1 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692f ( 1 ). Additionally, pursuant 15 USC 1692a ( 6 ), any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt, can not be a debt collector.
|
| 01/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I'm writing to the Consumer Financial Protection Bureau to report a XXXX XXXX that is mistreating me and utilizing improper communication techniques when it appears on my credit record. I ask that the CFPB office check into my matter. The balance of this account {$510.00}, LVNV FUNDING LLC XXXX, has just appeared on my credit record without any prior notice to me.There was no phone call or written letter to me, so I can't let them know they've got the incorrect person. I have no idea how they obtained my information or my social security number, but they suddenly appeared on my credit report. I owe this business nothing, and My XXXX XXXX has significantly decreased, according to a warning I'm receiving from my credit monitoring service and XXXX XXXX.I haven't received a call or a letter, so I can't let them know they've got the wrong person. My social security number and personal information mysteriously appeared on my credit report, and I have no idea how they got hold of it. My XXXX XXXX has considerably fallen, according to a notice I'm getting from my credit monitoring service and XXXX XXXX, and I owe this company nothing.Since I've previously experienced identity theft, I keep very careful tabs on my financial situation. This appears to be a case of the debt parking I read about on the XXXX website. The XXXX XXXX XXXX has taken action against XXXX XXXX firms it claims fraudulently or dubiously added debts to consumers ' credit records in an effort to pressure them into paying the obligations. This is designated as XXXX XXXX XXXX XXXX XXXX recently took action against a XXXX XXXX XXXXXXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said in prepared remarks about the XXXX settlement with the company, LVNV FUNDING LLC XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections.Consumers are shielded from these unlawful conduct by a legal process. My XXXX XXXX is being negatively impacted by this account, therefore if I'm turned down for anything, I'll speak with a XXXX XXXXXXXX to seek financial relief. A new collection that I have never spoken to or received any correspondence from has appeared on my credit record. I am writing to inform you of this infringement so that you will be aware of my disagreement with and dispute with this account. I have NO financial obligation to this company and they have just reported to my credit THIS XXXX. This is in violation of my rights because I have NEVER had communication nor received a RIGHT TO DISPUTE letter from this company. I DISPUTE THIS ACCOUNT, THIS IS NOT MINE. I demand they furnish the original information pertaining to this account along with all interest, fees and payment information. I am forwarding this issue to the CFPB as well.
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| 05/12/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear Resurgent Capital Services, I am writing to follow up on my previous letters and my complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the debt that is currently on my credit report. As I have stated before, I did not receive any notification or validation of this debt, and I have requested substantiation of this debt multiple times.
I am attaching all of my previous correspondence with your company, including the letters I sent requesting validation of the debt and my previous dispute through XXXX XXXX. As you can see from these documents, I have repeatedly requested substantiation of this debt, and I have not received it until my complaint to the CFPB in XX/XX/2023.
Furthermore, I would like to address the fact that every time I have contacted your company with a claim through the CFPB, you seem to retrieve new documentation with questionable dates entered. Moreover, None of the documents provided from my first correspondence with the CFPB addressed the fact that I requested substantiation of debt and had not received it until my first complaint.
According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written validation or substantiation of the debt within five days of their initial communication with the consumer. If a consumer disputes the debt, the debt collector must cease all collection activities until they provide the requested validation.
If the consumer disputes the debt, the debt collector must cease collection efforts until the verification or substantiation of the debt is provided. The debt collector must also inform the consumer of their right to dispute the debt and request verification or substantiation.
If the debt collector fails to provide verification or substantiation of the debt, the consumer has the right to sue the debt collector for violating the FDCPA. Additionally, if the debt collector continues to attempt to collect the debt without providing the verification or substantiation, they may be subject to penalties and fines. But Im sure we all know the laws surrounding this situation.
As such, I am requesting that you remove this debt from my credit report because you failed to provide substantiation of the debt when it was requested, and I am only receiving substantiation of debt now, which still does not comply with the law as it was only given after my complaint to the CFPB.
I urge the CFPB to verify any and all documents provided by your company. It is important that you adhere to all state and federal laws and regulations concerning the collection of debts.
If this issue is not fully resolved, I will have no choice but to seek further action through the XXXX XXXX XXXX XXXX, my private attorney, and NY state attorney general 's office. I take this matter very seriously and I will not hesitate to pursue all available avenues to protect my rights and interests.
Please see attached documents that are notarized and show proof that I have been making substantiation requests that have been ignored by this party.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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LVNV FUNDING C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX is fraudulently reporting a collection for an account they do not own. I have been fighting with them for several years. Starting in XXXX this company began harassing me via telephone demanding payment for a debt. I repeatedly asked in XXXX, XXXX and XXXX for bills in writing which they would never send. They refused to provide anything in writing. Their representative violated FDCPA on several occasions. They threatened my minor child when they called his phone in XXXX ( because it was listed in my name ), They told XXXX different people that they were attempting to serve me with court papers in XXXX, and there was no suit filed against me in XXXX. They called my place of employment in XXXX, AFTER they were told I was not allowed to have calls at work because I worked in a call center. They demanded my supervisor put me on the phone, when he told them I was not allowed to take calls, they told him that they were collecting on a credit card that I refused to pay, they told him the exact amount of money they claim I owed ( which is against the law ) and they lied, and said that the cops were on their way to my place of employment to arrest me, it is also illegal to threaten criminal punishment for a civil action that is not subject to criminal punishment. After that I sent them XXXX different letters requesting validation of the debt, to the address on my credit reports. They refused to respond. LVNV Funding sued me in XX/XX/XXXX, outside of statute of limitations for credit card debt collection in Tennessee. First court date I demanded proof, because they had never sent me any proof. At which point Resurgent finally mailed me a written statement along with a falsified copy of credit card bills. They showed up at court 4 times, with no competent evidence that they owned debt. They were attempting to abuse the legal system. Every time I showed up, with my proof in hand, their attorney would reset the date so they would show up with their proof. What they were really doing was hoping I would not show up to court so they could get a default judgement against me for a debt they could not provide competent evidence of ownership for. On XX/XX/XXXX, I had a motion to dismiss hearing where I showed the judge that 1, this debt is owned by another debt collector and 2, it is outside of statute of limitations. The judge dismissed their case because they still sent their attorney with no documentation or proof at all. I immediately sent the court documentation to XXXX, XXXX and XXXX. XXXX immediately removed the false information from my report. However, XXXX and XXXX have not removed it. I have sent numerous letters to Resurgent to remove their fraudulent information from my credit report and they refuse to do it. I am attaching proof that another company owns the debt, a copy of the REAL bill for that account, where you can clearly see the amounts, date account was open etc are different from the bill they are producing. I'm attaching a copy of their letter and bill as well as the order signed by the judge dismissing their case.
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| 08/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I sent LVNV FUNDING a cease and desist order with a debt validation letter attached on XX/XX/21. The letters were sent certified mail with a green receipt number XXXX XXXX XXXX XXXX XXXX. I received my green card back on XX/XX/21 and it shows that both letters were received by a person named XXXX XXXX on XX/XX/21. This person is an uninterested party in this matter. In my cease and desist I demanded that LVNV FUNDING LLC send me an audit trail, respond to the debt validation letter that was attached, and send me ALL documentary evidence so that I can exercise my right in validating the alleged debt that LVNV FUNDING LLC claims that I owe them. It has been 7 days and I still haven't received any of my demands in writing. Congress finds that this is a violation of 15 USC 1692g ( a ) which states that within 5 days of initial communication with the consumer the debt collector must send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector, a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. LVNV FUNDING LLC is also in violation of the FCRA ( Fair Credit Reporting Act ). I'm not sure how they received my private information. I did not give written or oral consent for them to furnish financial information to ANY of my consumer reports, LVNV FUNDING LLC has committed identity theft. On my consumer reports LVNV FUNDING LLC states that, " account information disputed by consumer, meets FCRA requirements '' these statements are false, I never received ANY written notices from LVNV FUNDING LLC or documentary evidence that proves their claims that I owe them the alleged debt. LVNV FUNDING LLC is committing fraud and invading my consumer rights to privacy. LVNV FUNDING LLC has also caused me embarrassment and defamed my character, and harming my credit worthiness and reputation by furnishing false information on my consumer reports. Furthermore, I have never done business with LVNV FUNDING LLC so I would like to know how they received all of my private financial information. I would also like to know who gave them consent to contact me or report anything to my consumer reports. If LVNV INC has any contractual proof of my consent or obligation of the alleged debt, they need to provide it to me in writing immediately. LVNV FUNDING LLC is violating federal law. I need answers and this matter needs to be resolved immediately.
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| 08/23/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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My name is XXXX XXXX. In XX/XX/XXXX I became unemployed because of a XXXX XXXX. I suffered another XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX was the last date I made ANY payments on any credit cards that I had at that time. According to the Texas Attorney Generals Office, in the State of Texas the Statute of Limitations on credit card collection is Four ( 4 ) years from the last payment made. Therefore, this debt that I am referring to, has not been able to be collected since XX/XX/XXXX.
In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, located in XXXX, Texas. They said in that letter that if I did not pay the amount owed, ( there was no amount listed ) within 45 days they would be forced to file suit against me with the Clerk of Court for XXXX, Texas County of XXXX. I contacted them and informed them that I no longer owed this debt as the SOL had expired the year before, and furthermore I did not live in XXXX XXXX. A couple of weeks later, I received another threatening letter from them. Once again, saying that I had 45 days to pay or a suit would be filed against me. I contacted the Clerk of Court for XXXX XXXX, even though I live in XXXX County, and was told to ignore it. They told me this because of past dealing with XXXX XXXX XXXX, that they were notorious for using threatening tactics. I never heard from XXXX XXXX XXXX again.
Now, XX/XX/XXXX, seven years since I last heard from them, they are once again sending me letters stating that I have 45 days to respond and pay, ( once again, no amount is listed ) or they will file suit against me with the Clerk of Court for XXXX County Texas. Again they have the wrong county as I live in XXXX County. This time they enclosed a copy of the letter that they sent to the Clerk of Court and I have the Attorney of records, name XXXX XXXX XXXX Texas Bar Number XXXX Admitted to the bar in Texas on XX/XX/XXXX The law firm who continues to harass me with these letters is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX I contacted XXXX XXXX on XX/XX/XXXX and explained to her that the SOL had expired on this debt and that it was no longer able to be collected. She told me, and I quote, " I 've never heard of a Statute of Limitations. All debts can be collected until payment is made. '' I also sent them a certified letter stating the above information. I never heard from them again, either by mail or by phone so I thought the problem was over Today, XX/XX/XXXX I once again received a letter from XXXX XXXX XXXX, with XXXX XXXX XXXX listed as the attorney for the Plaintiff. Once again, stating that they would file XXXX XXXX me with the Clerk of Court in XXXX County Texas within 45 days. In this letter it states : LVNV Funding LLC v XXXX XXXX, Cause Number XXXX, in the Justice Court, Precinct XXXX XXXX XXXX XXXX XXXX. Once again, I do not live in XXXX County.
I have been on the Internet and have read one consumer complaint after another about this law firm and how they totally disregard each States Statute of Limitations regarding collection of credit card debt. They use harassment, both with phone calls and letters.
Thank you XXXX XXXX
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| 09/26/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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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,
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| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 07/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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LVNV alleges that it purchased two consumer debts that XXXX allegedly owed. XXXX has disputed LVNV 's assertion by letter to LVNV 's collection agencies, and to LVNV itself. ( See attached documents ).
Furthermore, LVNV hired a debt collector to try and collect on the alleged debts that violated the FDCPA ( See attachment ) In the process of this debt collector violating the FDCPA it made LVNV liable under the FDCPA for its agents violations of the law.
See,, XXXX v XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX, XXXX ( XXXX Cir. XXXX ).
Simply put, LVNV has violated the FDCPA against XXXX.
In addition, LVNV has violated the FCRA, because as the CFPB can clearly see, XXXX has made clear he disputes all LVNV 's allegations ( See attachments ), As the CFPB can see, when XXXX disputed the debt with XXXX XXXX, LVNV 's response was simply to " pass the hot potato '' to another collector and " rinse and repeat, '' obviously in an effort to wear down XXXX. Unfortunately for LVNV XXXX will not only not be intimidated he will sue, but only as a last resort ( this is why XXXX is trying this one last administrative remedy prior to seeking a judicial remedy ).
XXXX, although not required, even pointed out to LVNV that he is a consumer that will sue them and irrespective of the fact that LVNV is in violation of the FDCPA and FCRA ( See attachment ).
LVNV 's response was to continue down its path of illegal conduct, ignore its violations, not correct its credit reporting errors, and continue to violate Scroggin 's rights.
LVNV never validated the debt and instead had its collector simply make a document, that while failed miserably, try to look official, but its own document clearly shows the FDCPA was violated, because they just make up their own document and do not even allege that they went to the original creditor for information to validate the debt.
LVNV, through its collector has violated the FDCPA because of vicarious liability, violated the FCRA by on one account refusing to mark the account in dispute, and on both accounts refusing to " obtain '' information from the creditor to validate its debts.
Of course LVNV is no stranger to not complying with the documentation requirements in Arkansas. In a futile effort to argue that somehow the rules of procedure did not apply to them, the Arkansas Supreme Court was required to reinforce to LVNV that yes, even in Arkansas the rules apply to them. See, LVNV FUNDING, LLC v. XXXX, XXXX XXXX. XXXX - XXXX : Supreme Court XXXX.
Obviously I will be litigating this matter on behalf of myself, but few consumers in Arkansas ( or any other state ) have the expertise to take on a multi-million dollar corporation.
So while I do file this Complaint on my behalf, I am hoping the CFPB will uses its statutory authority to punish LVNV to assist the consumers that are unlike XXXX and can't sue on their own behalf.
I can take care of myself and will litigate, obviously, but I would still like the CFPB to hold LVNV 's feet to the fire. Feel free to contact me with any other questions or needed documentation.
Thank You!
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| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I see this company on my credit report and its causing damage to me and my family members. I never opted in to have my information shared.
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15\nUSC 1681C ( a ) ( 5 ) states '' Except as autorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 02/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I Sent my Dispute letters on XX/XX/2022. I asked the credit bureaus to " investigate every piece of information on my credit report accounts. I have attached a letter that includes all the accounts that are reporting inaccurately, I also have attached the letters I sent out to the Bureaus along with a tracking number.
Here is the Tracking # XXXX According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
More than 30 days have passed and the Credit Bureaus have failed to validate these debts by conducting a proper investigation. I was never provided with competent evidence that I have any legal obligation to pay you for this debt for the alleged account. Every piece of information on this account is not still reporting 100 % Accurate.
According to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
My Dispute letters were received on XX/XX/2022.
XXXX XXXX filed a lawsuit against me as of XX/XX/2022, without even validating the debt and conducting a proper investigation.
I'm asking for this account to be DELETED from my credit report as soon as possible!!!
In accordance with the Fair Credit Reporting act. The List of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX XXXX XXXX XXXX
The account above has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S. Code S 1692e ( 8 ) violation under the FDCPA debt collectors for false credit reporting False or misleading representations.
15 U.S. Code S 1681i - Procedure in case of disputed accuracy.
15 U.S. Code S 1681s2b - Responsibilities of furnishers of information to consumer reporting agencies.
15 U.S. Code S 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
These are clear violations of my federally protected consumer rights.
|
| 09/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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So back in XXXX I did a debt consolidation. I never did anything like this before so I thought this was a legit company. The person I spoke with his name is XXXX XXXX he set up my account I have his email address which is. XXXX his cell number is ( XXXX ) XXXX. His work number is ( XXXX ) XXXX. Hes with debt advisors. He had set me up with the litigation practice group XXXX, The phone number I have for them is ( XXXX ) XXXX. So from my understanding, I was set up to consolidate my three credit cards that I had which are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my XXXXXXXX XXXX XXXX So from my understanding everything seemed like it was going good. They were directly taking the amount that we set up out of my bank account. This was from XXXX all the way to XXXX, which I have my bank statements with the amounts that were taken out. I would get phone calls from the litigation practice group saying that theyre working on my credit. Theyre talking with the vendors and everything. Seems like its going good. I have numerous phone messages, text messages stating everything seems like its in process. Come to find out the litigation practice group filed bankruptcy so then I got messages from XXXX XXXX saying that they were handed my file so I would assume they already know everything thats been going on when I tried to explain it to them they didnt want to hear it. They were reaching out to me saying that theyre trying to collect a debt I owe. They did not know nothing about my XXXX accounts they were only contacting me and trying to get money out of me for the synchrony car care tire pros. So this is where I got totally confused thinking ok so things are paid off with XXXX. Im not sure whats going on with the tire pro. So this is where I looked into my XXXX account and I called the two chase accounts. It said theyre charged off, so I thought ok they were paid come to find out theyre not paid. I still owe the debt as well the tire pro account. So now Im really wondering where did my money go that I paid and this money was getting taken directly out of my account from XXXX to XXXX. When I talked to the person, I reached out on my XXXX account for the two chase accounts and the tire pro account. They mentioned to me that nobody ever reached out to them on my behalf, to try to fix my debt with them so now this is where I think I was scammed. I got fraud upon for my money Because I still owe this debt now, so Im so confused on what to do. I got letters. I got papers saying that Im being sued for XXXX law group. I guess theyre affiliated with XXXX XXXX that they were trying to come after me sue me for money I/O, which Ive already paid the debt consolidation agency I thought. This is really affecting my credit score, and I keep receiving major derogatory remarks on my credit report when I thought I was actually fixing it consolidating it but somehow I was scammed or took in for my money because I dont know where that money went and my credit is just messed up now. This is stressing me out. Im losing sleep over this I dont know what to do.
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| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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PLEASE STOP CLOSING MY DISPUTES AS A DUPLICATE! IT IS NOT! This is my THIRD CFPB complaint. I previously filed a complaint and my matters were not addressed during the resolution. I informed you, the CFPB, AND XXXX, that, - XXXX, and XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX are in violation of one or more U.S. Codes. Due to this going ignored during my last dispute, I will list the violations AGAIN. First violation : 15 U.S. Code 1681i : XXXX received my dispute letters sent via certified mail, and never followed the proper procedure upon disputed accuracy. I also never received the results of any alleged investigations, nor any physical documents baring my signature, nor did I even receive a copy of my credit report. Second violation : 15 U.S. Code 1681s2 : It is prohibited to continue reporting information upon receiving notice by the consumer that the information being reported is believed to be incorrect by the consumer. Since my very first dispute a year ago, the information I disputed never ceased reporting. Third violation : 15 U.S. Code 1681c2 ( a ) : The information was disputed as identity theft, and was never blocked within four ( 4 ) days of receipt. The next violation is 15 U.S. Code 6801 : My nonpublic information is not being protected! The financial institutions listed above are sharing my private information without my consent! I was also never provide with a clear and conspicuous notice or disclosure that allowed me to exercise my right to opt out of reporting. This choice was taken from me. On top of that how in the world did the third party collection agencies listed above obtain my social security number and personal details? I really need for you to look into this for me. 15 U.S. Code 6802 also states that my nonpublic information is not to be shared with nonaffiliated third parties such as credit reporting agencies, in this case XXXX, and others, without my expressed consent or discretion. No consent is identity theft! Congress states under 15 U.S. Code 1681 that credit reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and respect the consumers right to privacy. I am being treated unfairly, and my right to privacy is NOT being protected! Especially by continuing to report this information. Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactions and experiences between the consumer and furnisher is to be " excluded '' from consumer reporting. Again, I never consented to any of this! There are more violations, but I will stick to these for now. There is no way that any human interaction occurred during this alleged investigation! Speaking of, I never consented to XXXX, and do NOT consent to XXXX going forward. Due to the reasons expressed above and more, I am demanding that XXXX immediately delete the disputed information. If not, I will have to seek legal council. Each and every day that goes by causes more harm and injury to me which will be reminded through monetary relief.
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| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have recently received a copy of my credit report and noticed LVNV FUNDING placed private information about an account I have with them on my consumer credit reports. Per 15 US code 1684 and 15 US code 1681b from the FCRA, the law clearly states : In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Meaning, if you havent received written instructions from me, THE CONSUMER, to put an account on my report, it should not be there. This is a violation. I never gave written instructions to furnish any of the following accounts on my report : LVNV FUNDING XXXX ( Collection ) Secondly, according to 15 USC 1681, the law states : Accuracy and fairness of credit reporting. The congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
The following accounts are inaccurate and are in clear violation of my privacy which is a violation of the law. This is damaging to my reputation. As the consumer, I demand the following accounts be deleted from my credit report immediately.
LVNV FUNDING XXXX ( Collection ) As the consumer, I did not give any written instructions to have this account reported on my consumer report. I have not given this creditor permission to put this account on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 USC 1028A. They have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
15USC 1681 ( a ) ( 4 ) A consumer has the right to privacy there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.
They are in federal violation of my rights, as a federally protected consumer who has the right to privacy. In addition, I demand to have a copy of my updated consumer report once the deletions have been made.
Thank you for your assistance with this violation, XXXX XXXX
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| 05/17/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer. I am filing new and updated information/complaint against LVNV Funding LLC , in reference to complaint # XXXX. Not only did I find several inaccuracies, but I now have new and updated information on how LVNV Funding LLC, is still not complying with Federal Law. Attached labeled as " LVNV Dispute Method letter '', you will find yet another letter sent to LVNV Funding LLC, sent certified on XX/XX/XXXX, requesting the " description of procedure/method of verification '' used to verify this account, as to which they have fifteen ( 15 ) days to respond to. Also attached and labeled " LVNV Violations '', is a list of ten ( 10 ) violations this company has currently violated. Attached and labeled Exhibit A, is my current consumer report showing several inaccuracies being reported/furnished by LVNV Funding , including reporting this account as collections/charge off, Unknown, and Late 120 days. ( ALL INACCURACIES ARE CIRCLED ). Attached and labeled as Exhibit B, is my current consumer report where this account is reporting as a late payment. ( ALL INACCURACIES CIRCLED ). Attached and labeled as Exhibit C and D, is more inaccurate information reported such as inaccurate original creditor name and inaccurate remarks. ( ALL INACCURACIES CIRCLED ). Attached and labeled Exhibit E, is copy of my consumer report from XX/XX/XXXX, where the " Account Type/DetaiXXXX '' is inaccurate, " Balance '' is inaccurate, " No. of Months '' ( terms ), is inaccurate, " Past Due '' is inaccurate, " Payment Status '' is inaccurate, " Last Reported '' is inaccurate, " Comments '' are inaccurate, " Date Last Active '' is inaccurate, and " Date of Last Payment '' is also inaccurate. ( ALL INACCURACIES CIRCLED ). Also attached and labeled as Exhibit F, is another version of my current consumer report, showing a total of ten ( 10 ) inaccuracies. ( ALL INACCURACIES CIRCLED ). LVNV Funding LLC, stated in ALL of their responses that, " They are the " Current Owner '', and that they acquired the account on XX/XX/XXXX. Please be advised that in Exhibit A, B, C, D, E, and F, are all showing/reporting different " Date Opened '' dates. I am aware that under FCRA 623 and FDCPA 806b That a " CREDITOR '' " MUST '' enter a notice of dispute, and if this is not entered, the account CAN NOT report on my consumer report, and also under the FCRA, it is perfectly legal to DELETE an unverifiable, incomplete or inaccurate collection account. How can LVNV claim that this account was " verified '', with inaccurate information as accurate? And how can all three ( XXXX ) reporting agencies report three ( 3 ) different versions of information? Finally, with all of the documentation and correspondences between LVNV Funding and myself, XXXX XXXX, the consumer, I am aware that I have ample Exhibits, correspondences, and proofs that this company is in extreme violation of the Federal Laws and will use this new and updated information to file an additional complaint with my states Attorney General 's office and will commence litigation.
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| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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This complaint is regarding an account that was added to my credit report ( all 3 bureaus ) on or about XX/XX/XXXX. Company name LVNV Funding. As a victim of identify theft, I followed the procedures by promptly filing a dispute with all three credit bureaus, as well as sending a debt validation letter directly to LVNV Funding requesting validation of the debt. I received no response. On or about XX/XX/XXXX, the collection was deleted from my credit reports. On today, XX/XX/XXXX, I received an alert from XXXX that my credit score had dropped 26 points. To my dismay, the collection account LVNV Funding had been re-added to my credit report. I thought that once removed, debt could not be re-added. I immediately contacted XXXX to inquire about this, and was told that they only report what the company tells them to, but that I could dispute the item again with them, and also directly to the company. I filed another dispute. I have in my possession a police report & identity theft report. I also added a fraud alert and credit freeze to my credit file, when I realized my identity had been used fraudulently. XXXX has copies of these reports. This collection does not belong to me. I have no knowledge of this company nor the company from which they purchased the debt. ( I was told today by XXXX the debt was originally from XXXX XXXX XXXX XXXX ). I have never had an account or affiliation with XXXX XXXX. I am requesting that this company be investigated, and that the collection be promptly removed from my credit report ( XXXX ), and this company permanently blocked from future reporting as this has been a complete nightmare for me and my family, and has taken a tremendous toll on me mentally, and also taken a lot of time and effort to attempt to resolve. It has also caused me stress and frustration. I am filing this complaint for assistance with this matter, as I am at my wits end. My next step is to contact my Attorney General to report the matter, with the hope that it can end and my credit report be restored to reflect accurate information.
Additionally, there is another inaccurate collection reporting to my XXXX credit file. XXXX XXXX XXXX. I have disputed this account multiple times since XXXX as a result of identity theft. I was successful at getting the item removed from both XXXX and XXXX, but not XXXX. Recently, I attempted to dispute it again ( XX/XX/XXXX ) with XXXX, but was told that since it has been disputed numerous times, I could not file a dispute with the credit bureau, only the debt collector directly. I contacted XXXX XXXX XXXX by mail in XX/XX/XXXX, requesting validation of the debt, but received a letter stating that they have sent me information regarding the debt in the past, and that they will no longer send further information. I have never received a phone call or any correspondence from this company, and have no knowledge of this debt. As a consumer, I feel that all 3 credit reports should reflect both accurate and consistent information. With this collection on my XXXX report, that is not the case.
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| 07/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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We were not served with court papers 2 even know we had a lawsuit against us The only paperwork I got was the paperwork that was supposedly sent to my employer payroll department. Supposedly the 1st time they served us with paperwork was in XXXX of XXXX that case was closed it says.And then they filed for continuous of garnishments in XXXX of XXXX do u file a continuous garnishment that has never happened the 1st garnishment they illegally took was on XXXX XXXX top of it I asked when the original debt was and I was told on the phone XXXX that was the 1st time the second time the the collection agency told me they don't know when the original debt was occurred so then I asked when they bought the debt and I was told XXXXAnd then they have filed continued garnishments threw 3 different county 's is wht I'm seeing on the i portal.And then when I told her we want to dispute the charges she tells me I have to write and mail the dispute 2Resurgent Capitol Services out of XXXX SC.I go to the site and it's states its LVNV the 3rd party collection agency that is garnishing his wages and Resurgent Capital services and at the bottom of the site it says they are a collection agency trying to resolve disputes or collect a debt.that was owed.The paperwork filed 2 payroll for wage garnishments is the ones u can download off the internet.And anouther red flag they have the same clerk of district in all three county 's XXXX, ,XXXX and XXXX XXXX on the continued garnishment and the sane judge the paperwork we have don't look legal .The 1st time we found out about the 3rd party collection agency was when we received the copies of paperwork they sent to the payroll dept in XXXX or XXXX it was signed on the XX/XX/XXXX it says it was filled on the paperwork on XX/XX/XXXX but the cover letter from LVNV says XXXX XXXXWhen I asked the collection agency if they could send me copies of all the papers we supposedly received she told me I could get them from court records or hire legal representation.So on top of us disputing the CC I'm positive we are past statue of limitations to collecting this debt.And they are charging us for post judgement interest.The amount on the garnishment is different then wht they reported 2the credit bureau without notifying us they reported it to them.So much that idk wht I should do.They took the 2nd garnishment of 25 % on XXXX problem is he worked as an essential employee all threw the pandemic why did they have problems in XX/XX/XXXX with trying to garnish.And then file 2 years and almost 2months later from the 1st time.And we have lived on XXXX XXXX XXXX over 15 years and the outher address they had was his dad 's address at XXXX XXXX and his dad had lived there over 20 years.So I'm not sure why we were never served with paperwork. And we never received the 5day letter telling us who the original debt was from how much the debt was or actions to dispute the charges.When I asked LVNV how much the original debt was she told us under {$900.00} @ they are trying to coloect over $ XXXX help.Thank You XXXX XXXX
|
| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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XXXX XXXX XXXX LVNV Funding LLC ACCOUNT # : XXXX DELETE IMMEDIATELY I am not liable for this DEBT with Credit XXXX Bank XXXX XXXX. I do not have an ORIGINAL CONTRACT with XXXX XXXX XXXX LVNV Funding LLC XXXX You did not provide me with the ORIGINAL CONTRACT as I Requested & THIS ACCOUNT IS FULLY VIOLATING METRO 2 COMPLIANCE & FCRA LAWS The enclosed account summary Resurgent Capital Services provided me clearly states : ( ( This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC XXXX It is not a credit card or other account statement from the original creditor. ) ) THIS IS NOT AN ORIGINAL CONTRACT FROM XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX LVNV Funding LLC are Furnishing Deceptive Forms & Deceptive Credit Report 1692j. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
This is a NOTICE that I am DISPUTING your claim for this Account # : XXXX.
!!! THIS ACCOUNT IS NOT MINES AND ITS REPORTING INCOMPLETE & INACCURATELY DELETE THIS ACCOUNT!!!
VIOLATIONS ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT )!!! THIS ACCOUNT IS NOT MINES ; I NEVER HAD A CONTRACT WITH LVNV AND ITS REPORTING INCOMPLETE & INACCURATELY.
DELETE THIS ACCOUNT IMMEDIALELY!!!
XXXX 1. NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT. WHERE IS CLOSED DATE ) 2. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 3. NO LAST VERIFIED REPORTING ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 4. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 5. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 6. TERM LENGHT : 1 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 7. PAST DUE AMOUNT : {$1200.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE XXXX VIOLATIONS ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT )!!! THIS ACCOUNT IS NOT MINES ; I NEVER HAD A CONTRACT AND ITS REPORTING INCOMPLETE & INACCURATELY.
DELETE THIS ACCOUNT IMMEDIALELY!!!
1. ACCOUNT STATUS : OPEN ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) 2. NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT. WHERE IS CLOSED DATE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE )
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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To Whom it XXXX concern ; In XXXX, XXXX, XXXX and XXXX of XXXX I called Resurgent Capital Services to obtain a payoff letter. The payoff letter is for a XXXX XXXX # ending... XXXX that was paid through XXXX XXXX as a judgement and was paid in full. This document is critical to my mortgage loan originator license. I can not renew or apply for any new licenses without this document. I have several state licenses pending since the beginning of this process with Resurgent and it is impacting my employment productivity and income. I have potentially lost thousands of dollars in income because of this debacle.
On my first call to request a copy of the account the agent confirmed the account paid in full and told me that they would send a letter in the mail in 5-7 business days. That letter never arrived.
I called back 2 weeks later to inquire, and a new customer service rep stated that it was sent to the wrong address, my old address on XXXX in XXXX, MI. The agent confirmed my current address and advised me they would send out another letter and should arrive in XXXX business days.
I called the company back several weeks later because I still hadn't received the letter. Again, a new agent. They confirmed my account and told me that the letter was not sent because it had to go through a different process because the account was a judgement. They said that the judgement process was clear and would send a new letter which would arrive in 5-7 business days. The previous agents flat out lied about them being sent because they could not send without going through the judgement process first.
Several weeks passed and on XX/XX/XXXX, I called the company back again because I didn't receive the letter. A new agent confirmed my account and stated that the letter was sent, and I should have received it. I informed them that I had not received the letter. She stated that she would send another letter and it would be in the mail in 5-7 business days.
I called today XX/XX/XXXX, to inquire about the payoff letter and file a complaint because I still have not received it. At this point it has been several months since I first inquired about the payoff letter. The first agent told me that all they can do is send it by mail. It must me a script they can not deviate from because they all say the exact same thing. I asked for a manager and when she came on, I asked to be transferred to a higher level of management or complaints department. The call was disconnected. I called back and got another new agent confirmed my information and asked for a manager which happened to be a senior rep not a manager. She told me that no managers were available and that I would have to call back. She stated that she can not file a complaint, send me to someone else to file a complaint, a manager could not call me back, they can not send anything electronically and they could send it via mail, and it would take another 5-7 days. I requested to send the letter and will follow up again when time allows. I still do not have a resolution.
|
| 04/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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To whom this may concern, I have taken a look at my credit report and notice several inaccuracies and wrongful reporting with a 3rd party debt collection company named LVNV FUNDING. They are reporting a debt stating that I owe them {$420.00}. I have never conducted business, signed a contract or agree with any terms with them. I sent them a debt validation on XX/XX/2023 certified mail asking them to provide me documentation of the debt they claim that I have with them. I NEVER had a contract with them. I never gave them permission to report anything on my credit report. They stated they are collecting a debt from a company named XXXX XXXXXXXX XXXX XXXX XXXX. They sent documents to me that is pointless and didnt prove anything. They didnt send anything with my signature, they didnt send a contract, they didnt send anything besides a print off of some statement. To make matters worse, another company that they are working with called RESURGENT CAPITAL SERVICES sent me these papers on behalf of LVNV FUNDING. Im confused at this point because it seems like this company is all over the place and cant provide any documentation and my information is getting passed around on this CLAIM DEBT. If they purchased debt from XXXX XXXX XXXX XXXX XXXX, that has been written off that is illegal. They lied about investigating it and not removing it from my report is noncompliance with the FCRA laws. They are furnishing information without my written consent. When I was looking at my credit report they are reporting information wrong across ALL THREE BUREAU. XXXX entitled to a 100 % accurate credit report.
XXXX XXXX and XXXX is reporting the collection account OPEN and XXXX is reporting it as closed. How is this possible? How can a collection account be OPEN? FCRA violation 2nd XXXX is reporting this account as being Late 120 days for the payment status. How is a charge off collection still reporting a late payment status? FCRA violation.
3rd XXXX and XXXX is reporting a PAST DUE balance. Charge off collections shouldnt be reporting past due balances. Correct? FCRA violation 4th Why isnt the original creditor listed on XXXX and XXXX?
5th The dates of last activity, date reported and date open has different dates all across the board.
6th The document of the claim debt they sent me the account number doesnt match on my credit report.
I can list several reasons of the inaccuracies of this account. As a consumer this is slandering and Im entitled to a fair accurate credit report by law. I know my rights. Im demanding for this to be removed from my credit report. Im also attaching evidence to support my claims. Please see the attachments.
In accordance with the Fair Credit Reporting Act LVNV FUNDING has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. There shouldnt be damages on my credit report. Its a defamation to my character.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.
15 U.S.C 1681g
|
| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To Whom It May Concern : I am writing to file a complaint against XXXX regarding the illegal reporting of collections on my credit report. The collections that XXXX has reported are inaccurate, outdated, and can not be verified. As a result, I have been denied credit and other opportunities.
The accounts that are illegally being reported are : LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX XXXX is in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 604, which requires credit reporting agencies ( CRAs ) to provide consumers with a copy of their credit report upon request. It also requires CRAs to disclose to consumers the sources of the information in their credit reports.
Section 609, which requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. The notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score.
Section 611, which requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. It also requires CRAs to reinvestigate disputes if the consumer provides new information.
Section 615, which requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. It also sets out the conditions under which CRAs may furnish credit reports to third parties.
Section 623, which includes subsections ( a ) ( 1 ), ( a ) ( 2 ), ( b ), and ( c ). These subsections require CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports, require furnishers of credit information to provide complete and accurate information to CRAs, require CRAs to reinvestigate consumer disputes if the consumer provides new information, and require CRAs to delete information that is outdated, incorrect, or can not be verified.
I have attempted to dispute the inaccurate collections with XXXX, but my disputes have been either ignored or rejected without proper investigation. XXXX 's failure to comply with the FCRA has caused me financial harm and has damaged my credit score.
I am requesting that XXXX immediately remove the inaccurate collections from my credit report and take all necessary steps to ensure that they are not reported again in the future. Additionally, I am requesting that XXXX provide me with a free copy of my updated credit report.
If XXXX fails to comply with this request, I will be forced to consider legal action to seek damages, as well as attorneys ' fees and costs, for their violation of the FCRA. I may also file a complaint with the Federal Trade Commission ( FTC ) and other relevant regulatory agencies.
Furthermore, these accounts have been removed from the other two CRA 's, yet XXXX keeps reporting them illegally.
Thank you for your attention to this matter.
Sincerely, [ Your Name ]
|
| 03/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
|
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This account was deleted in result of identity theft. It was originally deleted off my consumer file on XX/XX/XXXX. Now almost seven months later has showed up as collection on my file without consent. It appears XXXX XXXX XXXX is the original creditor. XXXX XXXX XXXX has committed aggravated identity theft according to 18 usc 1028a willful and knowingly by selling my personal information to LVNV FUNNDING LLC and Resurgent Capital Service ( DEBT COLLECTOR ) allowing both companies to profit and recharge a fraudalent debt to my social security. XXXX XXXXXXXX XXXX has sold my Social security number, phone number, address and name to these companies without my consent. Resurgent Capital Services has failed to valid the debt properly as i have never received any certified mail asking to for me to validate this debt. This debt should not be reporting because i did not give permission or written consent for these companies to be reporting on my file at at according to 15 usc 6802a & b. Also, according to 15 usc 1681a these companies has failed to do a proper validation of debt by not doing an proper investigation by not obtaining information through my friends, neighbors or associates according to the fcra. also, 18 usc 8 Obligation or other security of the united states, if there is any such debt please contact the united states. As theyre the owns who are obligated to pay consumers debt since this account was fraud and charged to me. This holds a negative financial burden on I, consumer, natural person. This is preventing me from obtaining my own credit for things that i need to sustain the cost of living. I can not get approved for a line of credit because this negative impact on my file.
I, XXXX XXXX, Consumers, original creditor have received a notice on my credit file of a debt collection account. My credit file is reporting false and misleading information on my file. Without proper notice and certification through mail to ensure that I received this potential debt to respond to. Also, my fie is showing the original creditor as XXXX XXXX XXXX. This false and misleading information according to 15 US Code 1692a ( 4 ) The Term creditor means person who offers or extends credit creating a debt ... XXXX XXXX XXXX is falsely furnishing information onto my file. Representing themselves as the original creditor.
Continuing Looking over this debt collection account and speaking with supervisor XXXX XXXX In the Internal Recovery Department She has made me aware of an balance of {$910.00} and on my file it is showing an amount of {$910.00} even on XX/XX/XXXX at XXXX on a phone call. Since debts are showing different amounts between credit file and Resurgent Capital Services and creditor status they also have furnished the account was opened on XX/XX/XXXX, when I contacted the company to see when this account was opened is was told XX/XX/XXXX the information furnished onto my credit report is False and /misleading.
Please delete this from all CRAs and my consumer credit file without recourse.
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| 07/16/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX XXXX XXXX tried to Garnish my accounts. Asked the Court for a request for a hearing as I was never notified of a court proceeding against me for a garnishment to occur. Court denied my request as there no accounts Found Mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX regarding what this was about. Never received a response back from XXXX XXXX In XX/XX/XXXX pulled a Credit Report and saw that I had two public records on my Report 1. XXXX XXXX 2. XXXX XXXX Wrote a letter to XXXX XXXX Court inquiring on these accounts on XX/XX/XXXX Received a response back from XXXX XXXX Court Date Stamped XX/XX/XXXX Wrote a letter again to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, OH XXXX regarding this matter in XX/XX/XXXX. No response from this Plaintiff In XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX, more like a collection letter stating they are trying to collect a debt. I contacted the number on the paper XXXX and spoke to a " Bill Collection Specialist '' and I inquired as to this debt. I was told they had not filed any suit against me but if I did not pay they would. I gave them the case number and the court and asked for proof of this debt. I also mailed a letter to the address on the letter with the same questions. Never received a response The next time I would receive a response would be from another attorney with XXXX and XXXX who states a judgment has been entered against me and I have 30 days to dispute the validity of the debt and I did so in a letter. The letter from the attorney stated that If you notify us in writing within the same 30 day period that you dispute this debt or any portion of it, we will obtain verification of the debt or a copy of a judgment, if any, and mail it to you. Upon your written request within the same 30 day period, we will provide the name and address of the original creditor, if different from the current creditor. If within the thirty-day period that begins with your receipt of this letter, you send us a written dispute of all or any portion of the debt or request in writing the name and address of the original creditor, we will suspend our efforts to collect the debt until we mail the appropriate information to you.
The only response I received from that letter was a Motion for Entry of appearance from the same attorneys. Since this was dated XX/XX/XXXX and it was not too long ago I mailed my letter of dispute I did not worry about this letter.
Then I received a letter from the court that this attorney garnished my bank accounts. Except I do not have any money in the accounts. All the money belonged to my husband from his paychecks and they took his money.
The final response was a letter from the court that a garnishment was sent to my bank and the bank withdrew all of the money belonging to my husband including the money he placed in the joint account to pay the bills that now the money is gone and the bills are coming through electronically.
Still no response to my letters. NONE OF THEM
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| 11/23/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that LVNV FUNDING had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$850.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
|
| 04/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This letter is your notice that I dispute the above referenced debt.
This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge.
I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed.
Please cease all collection efforts for this account until you have provided me the with the validation of said debt, the verification of my personal information and all contracts bearing my ACTUAL SIGNATURE that I have requested and please do not send any computer printouts I want to see actual documents bearing my signature.
It is a crime to threaten suit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against you.
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate these items. My previous letters- all sent certified mail- stated my reasons for an investigation and these reasons were not frivolous in anyway.
I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : I do mean all XXXX, request.
Validation of Debt Request - Proof of your right to own/collect this alleged debt.
- Balance claimed including all fees, interest and penalties.
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ).
- License proof to collect debts in my state.
- A credit agreement signed by me and you.
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor.
- Copy of my NYS Photo ID which is required to open this type of account.
As you may be aware, " Admission by Silence '' legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense when I summons you to court or take action against you and your company or law firm.
Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act.
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.
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| 03/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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This is my second complaint about XXXX XXXX and their associated law firm. My first complaint was settled. However, the tactics at which these individuals use to settle their debt is concerning. I originally filed a complaint in late XX/XX/XXXX. I received a response letter dated XX/XX/XXXX. I first received original correspondence in XX/XX/XXXX of which I did not respond initially, as I thought this was a scam. I will admit that I did not remember signing up for a credit card at first, but then I was doing some research on my own. On XX/XX/XXXX at XXXX CST there was a knock at my door, which is in a secure apartment complex so I am not positive as to how this person gained entry, I answered and he handed me papers and walked away. These papers contained nothing but the file number, bland information as to what I was being charged with ( which was a shock to me as this was the first I was hearing of potential court issues ). Email correspondence between XXXX XXXX XXXX and I happened on XX/XX/XXXX ; I was reaching out to XXXX about any settlement opportunities that may be available. He responded asking for a good phone number at which I could be reached, I replied with a phone number and told him the best times that I could be reached to discuss. After, I received no further emails or calls. On a letter dated XX/XX/XXXX I received an offer letter from XXXX about an offer to settle the claim against me for {$420.00}, the letter included a website to where I could pay online. I received a letter in the mail in early XX/XX/XXXX containing an order from the XXXX County court letting me know that an action was filed on XX/XX/XXXX against me. The letter contained a file number that the state has for this judgement, however no such court dates. After receiving this letter, I decided that I should pay the amount that I owed and I would move on. I submitted a payment for {$590.00} on XX/XX/XXXX using their website, the funds were deducted on XX/XX/XXXX from my bank account. I then called their office on XX/XX/XXXX requesting a receipt be sent to me, the individual I spoke with said that I should be receiving it within 3-4 days and the letter would be sent out that same day. After waiting over the time period, I then called again requesting a letter on XX/XX/XXXX and they said that one would be sent out and they did not see my first request. As of XX/XX/XXXX I have not received any correspondence from the company, I also have submitted online requests for contact and they have not been fulfilled. I have requested a receipt and would like them to remove this from my credit report. Due to their lack of professionalism in this matter, it has caused increased stress in my life upon fear of a lawsuit that I am not sure is even happening. They have not been fair in trying to resolve this matter, and I can say that I would have rather reached a compromise than have been threatened with legal force. I do have supporting documents if they are required. Thank you for your attention to this matter.
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| 11/09/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/2019 Dear CFPB company LVNV Funding LLC place a collection on my bureau that is a result of identity theft and has been resolved. I am contacting you to have them please send me a deletion letter and also have that negative trade-in deleted from my all credit reporting agency XXXX.XX/XX/2019. There is no account number listed and everything they are reporting is inaccurate.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX LVNV Funding LLC
Fraud Department or Billing Department
XXXX XXXX XXXX XXXX SC RE : Negative Collection Account Dear Sir or Madam : I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report with all items that I dispute. Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I suggest you advise who you purchased this account from the actions I am taking.
Enclosed are copies of FTC Identity theft report, XXXX Police Report supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. Please cease reporting this information to the CRAs, investigate, and delete the disputed item ( s ) as soon as possible.
Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ).
If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ) Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft and the deleting of this information from all credit reporting agencies. Notice to furnishers and requisition a deletion letter for the CRAs to delete.
Sincerely, XXXX XXXX XXXX
|
| 04/17/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter.
XXXX ) What is your authorization of law for your collection of information?
XXXX ) What is your authorization of law for your collection of this alleged debt?
XXXX ) Please evidence your authorization to do business or operate in the state.
XXXX ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature.
You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed.
Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file.
Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
|
| 09/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Regarding XXXX XXXX for XXXX XXXXXXXX XXXX - XXXX acct. no. XXXX.
XXXX/Resurgent Cap., and now XXXX XXXX XXXX have continually refused to supply requested information regarding an account which has been reported as a collection with the CRAs since XX/XX/18.
I initially spoke with a representative from this company, XXXX XXXX, and informed her that I wanted to clear up this debt, which doesnt belong to me.
At the time I was uninformed about certain debt practices, and my rights as a consumer.
Attempting to clear up and pay off old debts, which I am in the process of, I purchased debt monitoring via XXXX, and learned that XXXX XXXX listed this debt as a collection on XX/XX/18.
I have disputed this debt with the CRAs since XX/XX/18, requesting they they verify and/or validate this debt. After multiple dispute letters to the CRAs, XXXX XXXX continues to update this account as valid, while refusing to provide signed contracts, or providing bills of sales totaling the staggering amount of XXXX. As XXXX is a mail order company, I would have no reason to purchase any items totalling this large amount.
I have never requested or received a credit card from XXXX. I didnt even know they existed.
I would like to determine if someone has used my information to purchase items using my name. But XXXX XXXX refuses to provide me or the credit bureaus any validated information.
In the process, I received a letter from XXXX XXXX XXXX, dated XX/XX/18. But received in XX/XX/2018, who state that they are now collecting this debt for XXXX XXXX.
I phoned XXXX XXXX. XXXX. on XX/XX/18 and spoke with a representative, XXXX, who suggested that I dispute directly with XXXX XXXX, instead of the credit bureaus.
XXXX XXXX received the certified dispute letter on XX/XX/18.
While patiently awaiting a response from XXXX XXXX, instead of a response to my dispute, I received an alert from my XXXX account today XX/XX/18, that a new collection for this invalidated item has now been added to my XXXX report, where it had not appeared previously. ( I initially thought that it was reported to all three bureaus ).
Now this negative information IS reporting to all three bureaus.
As a XXXX XXXX, Im in the rebuilding stage of credit, and this negative, unverified collection account is hindering my ability to move forward.
I have owned and paid, and continue to pay off old, legitimate accounts to other lenders.
I dispute this particular debt because I do not recognize it as an account opened by me. I have done everything that I know possible to request validated information of this account. This is the only account that I do not recognize or accept as mine.
Please assist in acquiring the requested proven validation of this debt, in the form of signed contracts, bills of sales, etc. to prove beyond a doubt that this debt is mine. Or, request that this collection be deleted immediately and permanently from my credit reports.
Thank you kindly, in advance, for your prompt assistance.
XXXX XXXX
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
|
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PYOD LLC has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means.
I have reason to believe PYOD LLC had prior knowledge that punishing a consumer for the nonrepayment of an extension of credit by engaging in extortionate means is a violation of the False Claims Act and Racketeer Influenced and Corrupt Organizations ( RICO ) act. PYOD LLChas not attempted to lawfully validate this alleged debt prior to furnishing this false trade-line to nonaffiliated third parties as ana attempt to jeopardize mu consumer credit reputation. I did not and do not consent to the furnishing of this false tradeline to any credit reporting agencies.
The furnishing of this false tradeline violates the FCRA. I am demanding PYOD LLC provide me with a bill of assignment, your license to collect in my state, and your errors and omissions insurance information. PYOD LLC is also to provide documentary evidence such as the books of account or any evidence as described under 15 USC 44 that this is in fact a legitimate debt owed to them. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and financial reputation and move to file suit for the intentional infliction of emotional distress I receive on behalf of these extortionate tactics. If PYOD LLC can prove this extension of credit is in fact a debt as they claim, I would like to know what legislative branch granted your enterprise the right to collect debt in the United States. IF your enterprise does not have prior approval from any legislative branch of government in this united states your company is knowingly in violation o the False Claims act and shall be turned in to the attorney general. If this account turns out to be an extension of credit, PYOD LLC is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028a and violation of the RICO act 18 USC 894. Although your enterprise my have lawfully purchased the debt you are not exempt from any legal consequences as your activities have not been in accordance with the FDCPA, you should be also aware that your company will held responsible if youre at fault for engaging in these unlawful extortionate means as there is no innocent purchaser for value. This is a demand to cease and desist all illegal collection activity and to remove this fraudulently furnished tradeline from my consumer credit report immediately or I will follow up with a complaint with the FTC and my states attorney general and move to file suit in federal court.
|
| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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On XX/XX/XXXX I sent a Conditional Acceptance Cease & Desist to the registered agent of LVNV Funding LLC ( " LVNV '' ) detailing their actions that harming my consumer reports. I have never given LVNV my permission to use my consumer reports as is required under 15 USC 1681b ( a ) ( 2 ) which states " In accordance with the written instructions of the consumer to whom it relates ''. I also requested proof of that written permission from the company in the event I made a mistake, the company failed to produce any documentation to show they have my written permission. On XX/XX/XXXX, a response was sent from " Resurgent Capital Services '' ( " RCS '' ) further providing proof that the company has no original contract, nor any proof of my written permission to use my consumer reports. This is a violative business practice when a company believes they do not need to have a contract to defame any individuals character. Federal law supersedes any " company policy '' and in the eyes of the court, federal statutes are the mandatory authority. Additionally, this company did not communicate with me prior to sharing my personal information with any non affiliated third party. 15 USC 6802 ( b ) states very clearly LVNV is 100 % required to communicate with me prior to sharing any information with a nonaffiliated third party. LVNV failed to communicate with me prior to doing so. Also, LVNV is indicating that the alleged debt obligation came from a company called " Webbank '' and that company is also reporting a balance on my consumer reports. As seen in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et. al ( XX/XX/XXXX ) a company reporting a balance owed on an original debt is sufficiently pled as inaccurate and duplicative credit reporting when such a debt is turned over to a third-party debt collector who also reports the same debt balance on a consumer 's credit file. Not only is this company defaming my character without consent, they are also reporting inaccurately between the credit reporting agencies under 15 USC 1681s-2 ( 2 ). They were notified via the CRA 's that the information was inaccurate and the response from the company was these accounts are " verified ''. Precedent has already been established by the The United States of Appeals, Ninth Circuit, No XXXX XXXX XXXX XXXX XXXX that the reporting company is 100 % responsible for how the information reports. Lastly, Congress as already stated in the FCRA that inaccurate information must be removed from a consumers credit report. All the essential elements are present for not only defamation of character but extreme negligence on behalf of LVNV. Each of these violations are subject to penalties as described in 15 USC 1681n & 15 USC 1681o and as seen from previous cases of a similar nature, the Plaintiff has also been awarded punitive damages when companies have no permissible purpose. One look at PACER will show this companies long history of harassing consumers. I simply want the violative business practices to cease.
|
| 06/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
|
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In reference to Claim No. XXXX - I am a federally protected consumer!
Pursuant to 15 USC 6801- in your correspondence it was stated, " With its purchase of the Account, the Current Owner acquired all ownership rights ... '' however, as a federally protected consumer this company is violation of the privacy obligation policy. I do not feel safe with this company having any of my nonpublic personal information that I never gave them consent to!
Even after sending a cease and desist to RESURGENT, they continue to violate me and my personal non-public information pursuant to the Gramm Leach Bliley Act 15 USC 6801. Invasions of individual privacy is a violation of federal law. Ref. 15 USC 1692 ( a ). Every consumer has the Right to Privacy. Due to the sale of my nonpublic personal information that you mentioned in your response to my initial complaint, I have reason to believe that this company is operating illegally and committing racketeering crimes due to their abusive and deceptive business practices attempting to coerce me, a federally protected consumer. XXXX is a federal crime that will end in time in federal prision!!!
I am a federally protected consumer demanding evidence of the method of verification. Who was spoken to during your attempt to verify this information as ACCURATE and LAWFUL prior to furnishing it to my consumer report? On what day and at what time was this information verified? Provide receipts and documentation of the consumer receiving knowledge of my information being sold to other companies prior to the sale of the original instrument of indebtedness. If proper documentation informing the consumer prior to the sale ( a fraudulent sale ) can not be provided, then I as a federally protected consumer have reason to believe that a unilateral contract is in place which would completely remove any obligation from myself, a federally protected consumer.
In RESURGENT 'S attempt to respond to my complaint, they stated " With the purchase of the Account ... '' and attempted to attach documents to the response. However, nowhere does it have my WET signature confirming and affirming that I am obligated to make any payments to RESURGENT!
RESURGENT stated, " After investigating the Account, we found no evidence of the mishandlings alleged in the inquiry. '' I demand evidence of your investigation methods and proof that NO evidence of deceptive business practices have taken place.
I am demanding that RESURGENT honors my cease and desist ( that I will re-attach ) and cease all communication with myself, XXXX XXXX - a federally protected consumer, by no longer reaching out to me via phone, email, mail, or any consumer reporting agency/third party reporting agencies. This means that all consumer reporting agencies must be notified immediately and all reports on my consumer profile must be eliminated effective receipt of this official notice. This means stop harassing me via phone, email, mail, or any other method used to harass and extort me!
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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Hello..my name is XXXX XXXX XXXX . I am reporting some issues I have been dealing with and hope that someone can help. Before I begin I have added a Notarized Statement showing that I, XXXX XXXX XXXX am submitting this complaint on my own to the CFPB without the help of anyone. I am providing this so CFPB doesn't close my case due to them thinking someone else disputed this for me. Now for my Dispute with LVNV. Starting back in XXXX of XXXX I started off disputes by sending a letter regarding inaccurate and unknown things on my credit report. Up until now I have filed multiple complaints was with both XXXX as well as LVNV ( XXXX : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I have yet to get a response in some cases and ignored in others. Below is timeline of events. I have also added all of my proof as exhibits. XXXX Initial letter to Experian was sent detailing that I asked that they investigate. I also added in proof of violations which were numerous. I also pointed out the fact that the Two other bureaus promptly removed the account due to violations but Experian somehow seems to verify them. TO THIS DAY I STILL HAVE YET TO GET A RESPONSE. SEE EXHIBIT A. Exhibit B, Exhibit C. * XX/XX/XXXX Since no response I decided to send a letter to at least validate the debt to LVNV for two accounts listed on my report. These items were sent certified mail. Receipts and copies of the letter can be seen on Exhibit D, E, and F. * Around this time since I still have not heard a response from Either party, I opened an XXXX Dispute online. They responded back by updating the original balance. It now shows XXXX for both accounts. They however still neglected to delete the other blatant issues such as reporting history on a collection and continuing to update it monthly as if it is an installment loan. As well as showing monthly terms for a collection. Proof can be seen in Exhibit G and H. * On XX/XX/XXXX I received a letter from XXXX XXXX XXXX which is another subsidiary of LVNV. I thought it was a response to my asking for validation of the debts. Nope! It was instead a letter stating that unless I ask to validate the Information in 30 days, they will assume it is accurate and try to collect. This letter also has issues present. They have been identified in Exhibit I. * I have today XX/XX/XXXX I have pulled my credit report to see they are still updating my report monthly reporting on a charge off/collection account as if it is an active account. Still have yet to respond to my complaints both Experian, Resurgent, LVNV, XXXX XXXX XXXX or whatever name the company is going by today. I have added Exhibit J and K. To this day well over 80 days I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. I have no choice but to enlist the help of the CFPB to hold XXXX and Resurgent/LVNV/XXXX XXXX XXXX accountable. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately.
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| 06/25/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX XXXX XXXX 2 Credit Cards in Debt Consolidation 1 XXXX account that charged me for equipment I returned 1 XXXX XXXX that withheld information on the contract It became a law that medical would no longer effect your credit score and it shouldn't, since these are not debts we chose to create! Most people can't pay the high prices of going to the hospital these days and all the businesses are getting highest deductible possible so they can afford to offer employees insurance. Most never meet that deductible, therefore never use the insurance we paid for all year. I see they have came up with a way to get around this law and that is messed up. Turn it over to collection agency and then put it on people 's credit report with additional cost. If it clearly states on the collection it's " Medical '' then it should not be allowed on our credit reports. I know I'm speaking for a lot of people here that thing this is very wrong. I've been working really hard to rebuild my credit and was doing good until I moved out of state for a better paying job only to get laid off 4 days later along with most of the other employees. I struggled to pay my bills still and got down to eating one meal a day, because I didn't want to ruin the credit I had built back up. XXXX XXXX and XXXX XXXX need to be sued for false advertisement and I may proceed with that if I can find someone to file a Civil lawsuit. I've been watching my score on these two every month and planned to buy a house again finally at age XXXX and stop renting and according to them, my credit was good enough to qualify. Then only few weeks later I go and do the application to get things going after getting a great job back in my home state near my family again and it comes back under 600 and now I can't get a house! This is so not fair, when things happen beyond our control. I have paid all my bills on time for past 3 years, none of my credit is maxed out, but because of the Collections on my reports, it dropped my score down on all 3 Credit Bureaus, but not on XXXX XXXX or XXXX XXXX. I also have 2 credit cards that should have been up top as being paid because they are in the Debt Consolidation that I did in XX/XX/2016 after I couldn't manage to pay all my bills and live on unemployment. I think they are on there twice which I know can't be good. I have disputed them on each Credit Bureau and got nothing fixed and just a " Sorry, we can't help you ''! Something needs to be done, it's not fair these Credit Bureaus have the power to destroy people 's lives! I don't deserve this. I've been working 2 jobs for over 2 years to make sure I pay every bill on time! I have a XXXX XXXX XXXX XXXX for which I owe {$57000.00} for and it has done nothing to help me get any of the jobs I have gotten. Then I find out that college was overcharging students but can't figure out how to get in on the lawsuit and get this debt reduced. Can you please help me with my credit report? All I need is a 620 to 630 to get a home.
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| 02/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Around XXXX I opened a credit card account with XXXX XXXX XXXX XXXX XXXX with an initial credit limit of {$300.00}. XXXX. After my first XXXX to XXXX months of paying on time they raised my credit limit to {$750.00}, after paying it off I noticed extra charges on the credit card and reported it to XXXX XXXX XXXX XXXX XXXX. The person I spoke to said the charges were mine and I told him to turn off the credit card. I continued making payments but I kept seeing new charges on my statement. I called and complained again and the person said it would be taken care of. By not doing what they said they harassed me.
They contacted a relative who told them I didn't live there and we were estranged. They were told that I don't live there and they should not contact them again or he would consider it harassment and turn it over to the attorney general. He was told his address would be stricken from any form of contact. For the last couple of years he has since been receiving mail in my name along with a court summons. This is in violation of The Fair Debt Collection Act. I feel they knowingly sent collection letters to humiliate me as a form of harassment.
In XX/XX/XXXX I called again when I was getting ready to buy my home and seen it was on my credit report, I tried settling with them and they said they would only take the full amount due. I then explained what had happened but they wouldn't listen this is harassment. Since then it has fallen off of my credit report, but on XX/XX/XXXX it reappeared on my credit report under LVNV Funding LLC and the amount owed had jumped to {$1100.00}. In XX/XX/XXXX I called LVNV Funding and tried once again to settle this account by either payments or a cash lesser settlement amount at that time I gave LVNV Funding my current address and phone number. LVNV Funding declined saying they would only settle for the amount of {$1100.00}. This again is a form of harassment.
In XX/XX/XXXX I found out from a relative that they had a letter from a law firm addressed to me at their residence. I had them open it for me and it was an advertisement of a law firm wanting to represent me for my court case on XX/XX/XXXX XXXX.I never received a notice from LVNV Funding about this issue. The court case was filed in XXXX XXXX XXXX, Missouri. I live in XXXX XXXX Illinois, a XXXX difference and a place I haven't lived in about XXXX years. This is again a form of harassment.
I took off of work for the court date and drove there to find out that LVNV Funding had dropped the lawsuit on XX/XX/XXXX without prejudice. This has been a form of harassment for many years they will not work with me and keep holding this fraudulent debt above my head for almost eleven years. I feel like this court date is another form of harassment because they know I don't live there and by dropping this case and making me miss work is harassment. Then receiving the cancellation of the case by letter after the court date at the wrong address is harassment.
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| 01/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing about a credit record that continues to show on my credit report. I have disputed this record to no avail. The credit record is from XXXX XXXX / RESURGENT CAPITAL account XXXX This firm is collecting on behalf of XXXX XXXX XXXX .
The address for the collection firm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I am not saying that I didnt enter an agreement with XXXX but rather there was deceptive, misleading and unfair practices associated with the transaction. I was young, with children in dire need of transportation. I needed to work and keep a roof over our heads and food on the table.
Following is a synopsis of the events leading to this collection. To be honest I dont know if a title to the vehicle was ever put in my name. If you need additional or more detailed information, please let me know and it will be my pleasure to provide all the documents that I have available.
Purchased XX/XX/XXXX XXXX in XX/XX/XXXX from XXXX XXXX located in XXXX, PA o Mr. XXXX was I thought a family friend.
Was told the Jeep had new transmission and new motor o Could not test drive as new motor was not installed yet.
Went down the street to his buddy at XXXX XXXX where finance documents were prepared.
o Agreement listed vehicle and 42 inch television as collateral for the loan along with the Jeep Interest rate on vehicle loan was 23.99 % in the state of PA where law limits rate to 21 % for used auto loans. - Attached Paper tags and temporary registration provided by dealer Vehicle started giving me trouble within first few days would stall out in normal traffic Returned to dealership for repairs and to get registration / tags again provided with temporary tags.
Vehicle continued to perform subpar.
Finally contacted the states department of motor vehicles about the temporary tags requesting they provide permeant tags and was informed that the dealership was under investigation.
Dealership was closed by the state of PA for tag violations Criminal charges were filed by the state and Mr. XXXX pled guilty.
Still having problems with the Jeep could not get resolve from Mr. XXXX Brought the vehicle back to the closed dealership and contacted XXXX where the car was located.
When debt was sold to Resurgent I tried to set up a payment plan ; sent them a payment in XX/XX/2015. Check was cashed and no communications from the collection firm was ever received.
o Try to dispute with the credit bureaus and receive notice that information is correct o When I contact the collection firm for documentation I have never received a reply from them.
o To the best of my knowledge I never placed a do not contact with the firm.
The listing on my credit report is an arduous reminder of a very difficult period in my life. I believe that I was the victim of deceptive practices and possibly usury on this transaction. I am requesting the CFPB review the documentation with the collection firm and with XXXX which is currently owned by XXXX XXXX
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| 08/10/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Originally disputed this fraudulent account back earlier around XXXX and was able to remove it from my credit report. I then now fast forward to XXXX on XX/XX/XXXX received a call from this debt collector around XXXX XXXX to my personal cell claiming to have an account which I owed debt to. I argued and insisted that the debt wasn't mine and wasn't legal or binding as it was a result of identity fraud which I had already spoken with the original creditor XXXX XXXX XXXX to remove and close the fraudulent account that was opened without my permission and authorization as I was legally not able to enter any binding contract and lenders like the bank and debt collectors couldn't collect unpaid debt for this credit card as the account opened at the time was a result of identity theft and the fact I was under the legal age of 18. The account was opened 5 years ago prior to when I could of entered into a binding contract with lenders which was this account was illegal and fraudulent account being opened as I had no method of paying back any debt as I had no independent ability to pay any payments for any form of debt. Under the Credit Card Act this law states 226.51 ( b ) ( 1 ), credit card issuers can not open a credit card account for consumers under age 21 unless the applicant submits a written application as well as having financial information that the applicant must have the independent ability to make minimum payments for the credit extended. Both of which I never had first given any written signed application to the lender and second being able to financially pay for this debt. XXXX XXXX XXXX has since then removed the fraudulent account from my report but however I got this call with a lady speaking on the phone claiming this is a valid account ( which I also have a recording of the call ), trying to convince me that this is a valid debt as if I didn't know any better and provided information such as my DOB being incorrect and stated herself the account was opened in XXXX and threaten to damage my credit which I had just started building upon recently. I've reached out to the collection agency regarding this account as it shows it's from XXXX back when I was merely XX/XX/XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID as well as filed and attached the FTC Identity theft report to provide valid proof and information that this account was opened under fraudulent methods and the repeated calls and letters being sent that they are doing are illegal yet no action from them has been taken to stop this. I'm already thinking of filing a police report if that to help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me. At this point I'm considering reaching out to a lawyer to the state attorney general.
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| 12/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Please be apprised that LVNV Funding LLC are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. This company completely ignored my validation. You proceeded to completely ignore my validation. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the XXXX mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all XXXX bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " XXXX XXXX XXXX XXXX legally means that you had a duty to speak but failed to do so therefore within the XXXX period, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
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| 02/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 in regards to Account RESURGENT/LVNV FUNDING Account # : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.
Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
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| 10/14/2016 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Resurgent Capital Services is representing LVNV Funding LLC, or as the " servicer '' of a alleged debt that was supposedly purchased by LVNV Funding , LLC. Resurgent Capital also retained the services of a third party to collect on this fraudulent debt. Resurgent and their third party servicer have been notified in writing that this is not a valid debt. This written notification was sent via USPS certified mail. Resurgent has accessed my credit files and reported a collection on behalf of LVNV Funding LLC . Resurgent claims to be in compliance with the Fair Debt Reporting Act, however they have violated many of the rules, regulations and/or laws associated with the " FDRC. '' Additionally this company has also violated portions of the Fair Debt Collection Practices Act. A representative with this company 's complaint department, XXXX XXXX, has made statements that imply that there are XXXX separate laws, XXXX set which applies to me as a consumer and a different set of laws that apply to him/her and the company s/he represents. This person also claims that I issued a cease and desist, which is a bald faced lie. In fact, what I did say was that all communication would be documented and any/all phones calls would be recorded. I also stated that I would not show the smallest amount of common courtesy or respect to any person associated with this company. I have been subjected to defamation, discrimination, implied threats, etc. According to this XXXX XXXX, s/he conducted an investigation and could find no evidence of any type of mishandling that I had claimed to have occurred. That was of no surprise. The representatives of the company have a proven track record of being less than honest. Also according to this individual, upon the purchase of this alleged debt by LVNV Funding, all rights to the account were transferred with the purchase of this account. Which gives them certain rights pertaining to the collection of the debt. Also according to this individual LVNV Funding has confirmed this account. If all rights were transferred to this company, this company needs to comply with ALL rules, regulations and LAWS. Which again, they have implied that they and their third party servicer can legally circumvent certain laws. I have stated I would gladly meet any one of these people in a court of law. I went as far as to furnish the jurisdiction which would hear this case. It should also be noted that I have in fact used several " foul '' words in my written communication with this company. I am sick and tired of these people threatening or issuing implied threats. I am sick of the defamation and discrimination that I have been subjected to by these individuals and their third party servicer. I am fully aware that this company and LVNV Funding LLC . are subsidiaries of the Sherman Financial Group. This companies operate under numerous names, in an attempt to hide and not have to answer for their fraudulent and illegal activity.
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| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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XX/XX/XXXX I wrote to XXXX XXXX XXXX XXXX XXXX and LVNV Funding LLC requesting validation and an investigation into a account that does not belong to me and that has not been verified and is being reported intentionally and unlawfully without being in compliance with the FDCPA or FCRA. I requested validation that this account is being reported accurately and copies of proof. I have not received any such proof to date. 1. I requested validation of the debt- that is, actual accounting 2. Verification of their claim against me 3. A copy of the Original contract binding both parties ( Creditor and I ) in a letter by " certified mail '' so that there is a independent " witness to it having been delivered '' I received no response at all within the 30 day timeframe. And LVNV still is reporting a non compliant account. Instead of verifying the account within compliance I received a email stating my account has been sold to RESURGENT CAPITAL SERVICES ( a copy of email included ) RESURGENT CAPITAL SERVICES mails out a printout of a statement which IN FACT DOES NOT CONSTITUTE validation of this debt. Yet, LVNV is still reporting the noncompliant, unverified, incomplete account. I requested the METHOD OF VERIFICATION they did not comply.
PLEASE NOTE on XX/XX/XXXX CFPB releases its FDCPA Annual Report stating the following one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after the consumer exercised his or her 1692g rights. Specifically the Bureau calls out the practice where " debt collectors forwarded consumer debt validation request to irrelevant clients, who mailed responses directly to consumers. Section 809 ( b ) of the FDCPA.
As per FTC opinion letter from Attorney XXXX XXXX XXXX you should be aware that a printout ( copy included ) of a bill or itemized document does NOT constitute verification.
A copy of the Method of verification used was requested also. Including the names, address and numbers of all who were involved in verifying this account without proof.So that can inquire about the procedure used to verify. I received no response as well LVNV is in violation of : sections 623. [ 15 U.S.C. 1681s-2 ] Responsibilities of Furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information.- ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors.- ( B ) Reporting Information after Notice and confirmation of errors.- ( 2 ) Duty to Correct or Update Information ( 3 ) Duty to provide notice of dispute 813 [ 15 U.S.C. 1692k ] Civil liability 805. [ 15 U.S.C. 1692c ] section 623 ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE 809. [ 15 U.S.C. 1692g ] Validation of debts 812. [ 15.U.S.C. 1692j ] Furnishing certain deceptive forms SECTION 604 15 U.S. CODE 1681 ( B ) SECTION 605 ( A ) 15 U.S. CODE 1681 C-1 SECTION 605 B 15 U.S. CODE 1681 C-2
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| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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XX/XX/XXXX I wrote to XXXX XXXX XXXX XXXX XXXX and LVNV Funding LLC requesting validation and an investigation into a account that does not belong to me and that has not been verified and is being reported intentionally and unlawfully without being in compliance with the FDCPA or FCRA. I requested validation that this account is being reported accurately and copies of proof. I have not received any such proof to date. 1. I requested validation of the debt- that is, actual accounting 2. Verification of their claim against me 3. A copy of the Original contract binding both parties ( Creditor and I ) in a letter by " certified mail '' so that there is a independent " witness to it having been delivered '' I received no response at all within the 30 day timeframe. And LVNV still is reporting a non compliant account. Instead of verifying the account within compliance I received a email stating my account has been sold to RESURGENT CAPITAL SERVICES ( a copy of email included ) RESURGENT CAPITAL SERVICES mails out a printout of a statement which IN FACT DOES NOT CONSTITUTE validation of this debt. Yet, LVNV is still reporting the noncompliant, unverified, incomplete account. I requested the METHOD OF VERIFICATION they did not comply.
PLEASE NOTE on XX/XX/XXXX CFPB releases its FDCPA Annual Report stating the following one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after the consumer exercised his or her 1692g rights. Specifically the Bureau calls out the practice where " debt collectors forwarded consumer debt validation request to irrelevant clients, who mailed responses directly to consumers. Section 809 ( b ) of the FDCPA.
As per FTC opinion letter from Attorney XXXX XXXX XXXX you should be aware that a printout ( copy included ) of a bill or itemized document does NOT constitute verification.
A copy of the Method of verification used was requested also. Including the names, address and numbers of all who were involved in verifying this account without proof.So that can inquire about the procedure used to verify. I received no response as well LVNV is in violation of : sections 623. [ 15 U.S.C. 1681s-2 ] Responsibilities of Furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information.- ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors.- ( B ) Reporting Information after Notice and confirmation of errors.- ( 2 ) Duty to Correct or Update Information ( 3 ) Duty to provide notice of dispute 813 [ 15 U.S.C. 1692k ] Civil liability 805. [ 15 U.S.C. 1692c ] section 623 ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE 809. [ 15 U.S.C. 1692g ] Validation of debts 812. [ 15.U.S.C. 1692j ] Furnishing certain deceptive forms SECTION 604 15 U.S. CODE 1681 ( B ) SECTION 605 ( A ) 15 U.S. CODE 1681 C-1 SECTION 605 B 15 U.S. CODE 1681 C-2
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| 07/25/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a text message on XX/XX/XXXX and again on XX/XX/XXXX from Dynamic Recovery Solutions claiming I owed XXXX.
I called XX/XX/XXXX, and spoke to XXXX XXXX. She claimed LVLN and Resurgent hired them to collect on an account that should never have been sold. As I shared with her, I would provide the complaints previously filed with CFPB in XXXX, along with the documentation from the XXXX XXXX XXXX stating they do not have an account for me.
Following is a copy of the email sent to Dynamic Recovery Solutions on XX/XX/XXXX : To Whom It XXXX Concern : I spoke to XXXX XXXX the afternoon of Thursday, XX/XX/XXXX regarding a collection attempt. I have never received any letter, yet did get a text, which makes me suspicious. As I shared with XXXX when I called directly, the information she has is incorrect ; therefore, I am attaching some of the documentation from a case I filed with the Consumer Financial Protection Agency back in XXXX.
Of particular note, I corresponded directly with XXXX regarding this claim. As youll see in the letter dated XXXX XXXX, XXXX, from XXXX XXXX, Assistant Vice President of Customer Relations, XXXX found they did not have record of any reports to credit agencies.
Finally, regarding the ongoing harassment of the collection agencies, this account should not have been continued to be sold. The previous company posted this resolution to my case on XXXX XXXX, XXXX : Good afternoon, In light of the consumers circumstances we have elected to permanently discontinue all collection efforts on this account. The account has been recalled from the servicing agent and is now closed.
Please let me know if I need to reopen and file new complaints with the Consumer Financial Protection Agency. I will need to know exactly which companies are involved in this continued harassment to me. Otherwise, please respond letting me know that this case is closed and whatever account in question will not continue to be sold.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX Again, all documentation to that email to include the following previously filed cases : XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from Resurgent Capitol stating they are reviewing an account for LVNV funding. I called the number and spoke to XXXX. This person was asking for personal information including my Social Security number, as well, which I refuse to give as I believe these people are scammers.
XXXX XXXX, XXXX is listed on the letter. As I told XXXX when I called the number on the text message, at no point have I received any previous communications about this from that entity, which again leads me to believe these companies are scammers, especially as this was resolved years ago.
This was resolved long ago, yet I continue to get harassed by these companies, who want to know my personal information, where I work, and I have been contacted at work during the previous filed complaints.
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| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Please see the following timeline : XX/XX/XXXX : I received a letter from Resurgent in response to my dispute with XXXX which included an Identity Theft affidavit for me to complete and send back for processing. ( See exhibit 1 ). This was completed and sent back to Resurgent. Resurgent required the affidavit to be notarized at my expense for which I did pay. As of the date of this letter, I still have not received any follow-up regarding this review.
XX/XX/XXXX XXXX : Due to the response that Resurgent submitted to XXXX regarding the dispute, I submitted a Request For Debt Verification letter to Resurgent on XX/XX/XXXX which they received on XX/XX/XXXX ( See exhibit 2 ).
XX/XX/XXXX : I received a letter from Resurgent advising that they have initiated a review. ( See exhibit XXXX ) XX/XX/XXXX : I received two separate letters from Resurgent stating that an account summary was enclosed which was their response to my request for Debt Verification. On both letters they enclosed the account statements from XXXX and XXXX that provided no information that satisfies my request to verify the debt. There is no information provided to show how the account was opened or what documentation was provided to authenticate the identity of the unknown individual opening the account. On the same day, I submitted another letter to Resurgent stating that the documentation that they provided does not satisfy my request and therefore the matter is not resolved. This letter was received XX/XX/XXXX ( See exhibit 4 ).
XX/XX/XXXX : I received four letters from Resurgent. The first letter just stated that a review had been initiated, which is the same letter that was already sent previously. The second letter was another request to complete the same Identity Theft affidavit that was already completed and notarized from XX/XX/XXXX. The third letter again was a duplicate response which enclosed the same account statements from XXXX and XXXX. The fourth letter was a collection letter requesting payment.
In summary, I disputed a derogatory reporting with XXXX in which a response was given by Resurgent that the reporting was valid. In response, I submitted to Resurgent a request for Debt Verification in which they provided copies of two account statements from the fraudulent account from XXXX and XXXX. There was no information provided to me that reflected any investigation on how the account was opened nor what documentation was submitted. Resurgent did provide me with an ID Theft affidavit requesting for me to complete, notarize, and return which I did. However, there has been no response or follow-up from Resurgent regarding what was done with that document. The last correspondence that I received from Resurgent was a request for payment. I am seeking assistance with getting this file removed from all credit bureaus.
A police report with file with the XXXX Police Department on XX/XX/XXXX. The report number XXXX
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date.
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.
Any other action ( or inaction ) on your behalf will result in a small claims action against your company.
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 12/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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LVNV FUNDING LLC CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To : The XXXX XXXX XXXX XXXX for LVNV FUNDING LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank XXXX. is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by XXXX mail only.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
If you lack understanding of this paperwork, forward to your ATTORNEY.
By : XXXX XXXX
|
| 07/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a text message on XXXX XXXX XXXX and again on XX/XX/XXXX from XXXX XXXX XXXX claiming I owed XXXX.
I called XXXX XXXX XXXX and spoke to XXXX XXXX. She claimed LVLN and Resurgent hired them to collect on an account that should never have been sold. As I shared with her, I would provide the complaints previously filed with CFPB in XXXX along with the documentation from the XXXX vice president stating they do not have an account for me.
Following is a copy of the email sent to XXXX XXXX XXXX on XX/XX/XXXX : To Whom It May Concern : I spoke to XXXX XXXX the afternoon of Thursday, XX/XX/XXXX regarding a collection attempt. I have never received any letter, yet did get a text, which makes me suspicious. As I shared with XXXX when I called directly, the information she has is incorrect ; therefore, I am attaching some of the documentation from a case I filed with the Consumer Financial Protection Agency back in XXXX
Of particular note, I corresponded directly with XXXX regarding this claim. As youll see in the letter dated XXXX XXXX XXXX, from XXXX XXXX, Assistant Vice President of Customer Relations, XXXX found they did not have record of any reports to credit agencies.
Finally, regarding the ongoing harassment of the collection agencies, this account should not have been continued to be sold. The previous company posted this resolution to my case on XXXX XXXX XXXX : Good afternoon, In light of the consumers circumstances we have elected to permanently discontinue all collection efforts on this account. The account has been recalled from the servicing agent and is now closed.
Please let me know if I need to reopen and file new complaints with the Consumer Financial Protection Agency. I will need to know exactly which companies are involved in this continued harassment to me. Otherwise, please respond letting me know that this case is closed and whatever account in question will not continue to be sold.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX Again, all documentation to that email to include the following previously filed cases : XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from Resurgent Capitol stating they are reviewing an account for LVNV funding. I called the number and spoke to XXXX. This person was asking for personal information including my Social Security number, as well, which I refuse to give as I believe these people are scammers.
LNLV Funding, LLC is listed on the letter. As I told XXXX when I called the number on the text message, at no point have I received any previous communications about this from that entity, which again leads me to believe these companies are scammers, especially as this was resolved years ago.
This was resolved long ago, yet I continue to get harassed by these companies, who want to know my personal information, where I work, and I have been contacted at work during the previous filed complaints.
|
| 09/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Resurgent/LVNV Funding is contacting me again ; EVEN THOUGH XXXX XXXX XXXX HAS DELETED MY ACCOUNT AND IS PAID TO XXXX. THE XXXX XXXX XXXX ACCOUNT HAS BEEN DISHARGED AND DELETED FROM MY CONSUMER REPORT!
THIS IS A COMPLETE VIOLATION OF FDCPA -AND I HAVE EXPLAINED IN DETAIL BELOW AND ATTACHED PAID OFF ACCOUNT WITH PROOF XXXX.
I HAVE ALSO SENT TO MY STATE OF MICHIGAN ATTORNEY GENERAL XXXX XXXX.
RE : CLAIMS AND FAIR NOTICE XX/XX/23 2ND CEASE AND DESIST NOTICE AFTER THE XXXX XXXX ACCOUNT HAS BEEN PAID TO XXXX BALANCE AND DISCHARGED WITH PROOF.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX XXXX Michigan Attorney General XXXX XXXX XXXX XXXX XXXX, MI XXXX RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing this letter to formally enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., in relation to the alleged debt you are attempting to collect from me. Delete your account from my credit report across all agencies now! You at LVNV FUNDING/RESURGENT ARE RUINING MY CREDIT. I WILL ENFORCE CLAIMS OF {$10000.00} FOR EACH VIOLATION.
I have received communications from your agency regarding the debt in question, and I believe that your actions XXXX constitute violations of my rights as outlined in the FDCPA. Therefore, I am requesting that you cease all communication with me and take the necessary actions to comply with the FDCPA immediately.
Specifically, I believe the following FDCPA provisions have been violated : Section 805 ( c ) : Communication with Third Parties I have reason to believe that your agency has communicated or disclosed information about my debt to third parties, which is prohibited by the FDCPA.
Section 807 ( 5 ) : Threatening Legal Actions I have received written correspondence from your agency that suggests legal action XXXX be taken against me without any intention or legal basis for such action. This behavior is in violation of the FDCPA.
Section 807 ( 10 ) : Using False Representation or Deceptive Means Your agency XXXX have used false, deceptive, or misleading tactics in attempting to collect this debt, in violation of the FDCPA.
Under the FDCPA, you are obligated to cease all communication with me until you have fully investigated and remedied these alleged violations.
Please consider this letter as a formal dispute of the paid off debt as well as a cease and desist request under the FDCPA. I request that all communication regarding this debt be halted immediately, and I expect you to respond to this letter in writing within 30 days.
Failure to comply with the FDCPA XXXX result in legal action, including a lawsuit against your agency. I trust that you will take this matter seriously and act promptly to rectify any violations.
Enclosures : XXXX XXXX XXXX IRS Discharge of Debt Proof 1099B
|
| 09/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Resurgent/LVNV Funding is contacting me again ; EVEN THOUGH XXXX XXXX XXXX HAS DELETED MY ACCOUNT AND IS PAID TO XXXX. THE XXXX XXXX XXXX ACCOUNT HAS BEEN DISHARGED AND DELETED FROM MY CONSUMER REPORT!
THIS IS A COMPLETE VIOLATION OF FDCPA -AND I HAVE EXPLAINED IN DETAIL BELOW AND ATTACHED PAID OFF ACCOUNT WITH PROOF 1099B.
I HAVE ALSO SENT TO MY STATE OF MICHIGAN ATTORNEY GENERAL XXXX XXXX.
RE : CLAIMS AND FAIR NOTICE XX/XX/23 2ND CEASE AND DESIST NOTICE AFTER THE XXXX XXXX ACCOUNT HAS BEEN PAID TO XXXX BALANCE AND DISCHARGED WITH PROOF.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Attorney XXXX XXXX Michigan Attorney General XXXX XXXX XXXX XXXX XXXX, MI XXXX RESURGENT/LVNV FUNDING po box XXXX XXXX, SC XXXX XXXX I am writing this letter to formally enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., in relation to the alleged debt you are attempting to collect from me. Delete your account from my credit report across all agencies now! You at LVNV FUNDING/RESURGENT ARE RUINING MY CREDIT. I WILL ENFORCE CLAIMS OF {$10000.00} FOR EACH VIOLATION.
I have received communications from your agency regarding the debt in question, and I believe that your actions may constitute violations of my rights as outlined in the FDCPA. Therefore, I am requesting that you cease all communication with me and take the necessary actions to comply with the FDCPA immediately.
Specifically, I believe the following FDCPA provisions have been violated : Section 805 ( c ) : Communication with Third Parties I have reason to believe that your agency has communicated or disclosed information about my debt to third parties, which is prohibited by the FDCPA.
Section 807 ( 5 ) : Threatening Legal Actions I have received written correspondence from your agency that suggests legal action may be taken against me without any intention or legal basis for such action. This behavior is in violation of the FDCPA.
Section 807 ( 10 ) : Using False Representation or Deceptive Means Your agency may have used false, deceptive, or misleading tactics in attempting to collect this debt, in violation of the FDCPA.
Under the FDCPA, you are obligated to cease all communication with me until you have fully investigated and remedied these alleged violations.
Please consider this letter as a formal dispute of the paid off debt as well as a cease and desist request under the FDCPA. I request that all communication regarding this debt be halted immediately, and I expect you to respond to this letter in writing within 30 days.
Failure to comply with the FDCPA may result in legal action, including a lawsuit against your agency. I trust that you will take this matter seriously and act promptly to rectify any violations.
Enclosures : XXXX XXXX XXXX IRS Discharge of Debt Proof 1099B
|
| 09/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Resurgent Capital Services is in violation of the FDCPA by refusing to cease collection efforts after receiving written notification of my disputes against the collection accounts they claim I owe them money for.
Resurgent Capital Services is also in violation of 15 USC section 1692 e ( 10 ) when they sent correspondence from XXXX XXXX XXXX on their behalf where XXXX XXXX XXXX claimed Resurgent Capital Serivces to be the creditor of the debts they claim I owe them which is provably false.
The law is very clear regarding false misrepresentation and deceptive practices, and them allowing XXXX XXXX XXXX to represent themselves as creditors is false. The same thing happened to a consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services, and resulted in a bench trial and the conclusion was that Resurgent Capital Services had to pay {$250.00} per FCRA violation to XXXX XXXX They very clearly violated 15 USC section 1692 e ( 10 ) by doing the same thing to XXXX that they have recently done to me by allowing a company who represents them to send me correspondence that list Resurgent Capital Services as the current creditor which again is provably false.
This correspondce from XXXX XXXX XXXX was also sent during a time when I had open disputes against Resurgent Capital Services regarding their inaccurate unvalidated credit reporting, and was also sent during the 30 day waiting period of receiving my written disputes. This is a violation of federal law which states that when a debt collector receives written notification a consumer dispute they must cease collection efforts for 30 days to complete a fair investigation. Unfortunately Resurgent Capital Services failed to abide by this law.
I do not and have never had a contractual obligation of any kind with Resurgent Capital Services, nor can they provide any documentation showing that I have a signed contract with them regarding the two accounts they say I owe them money for. In fact, in XXXX of this year I requested for Resurgent Capital Services to provide a sworn notarized statement by a person who originally had knowledge of the alleged debts and they have failed to provide such documentation, and are continuing to report the negative tradelines.
I also believe that Resurgent Capital Services is in violation of 15 USC section 1681 a ( b ) which prohibits collection agencies from reporting payment history on collections accounts. I have printouts of my credit reports from all three credit bureaus that show that they are reporting payment histories on collection accounts which is a very clear violation of the FCRA.
I am demanding that they address and resolve my claims by deleting the negative tradelines from my credit reports and to cease from selling the collections accounts to another entity with prejudice. And this goes for both negative tradelines they are currently reporting.
|
| 03/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I would like to speak with you today about an issue that has been causing me great concern. As you are aware, there is a collection account that has been reported on my credit report, and it has been causing significant damage to my credit score. However, I want to bring to your attention that this collection is not mine in the first place.
I have been informed that this collection is related to a debt that was incurred by someone else, and it was mistakenly reported under my name. I have been working diligently to have this issue resolved, but unfortunately, it seems that my efforts have been unsuccessful so far.
I am requesting that this collection agency remove this account from my credit report immediately. It is unfair and unjust for me to suffer the consequences of someone else 's mistake. I have been diligent in managing my finances and maintaining a good credit score, and this collection account is tarnishing my reputation unfairly.
I understand that the collection agency 's role is to collect debts, but it is also their responsibility to ensure that they are doing so accurately and ethically. I am requesting that they take immediate action to remove this account from my credit report, and I am willing to work with them to provide any necessary documentation or evidence to support my claim.
I appreciate your attention to this matter and hope that we can work together to resolve this issue as soon as possible To provide further context, I have been dealing with this collection agency for some time now regarding a debt that was originally reported on my credit report. After disputing the debt and providing evidence that it was not mine, the collection agency agreed to remove it from my credit report.
However, I was shocked to discover that the same debt was re-added to my credit report shortly after the collection agency had removed it. Despite my repeated attempts to contact the collection agency and resolve the issue, they have continued to ignore my requests and add the debt back to my credit report.
Moreover, the collection agency has been harassing me with incorrect amounts, and they have threatened to take legal action against me if I don't pay up. I have asked them to provide me with all necessary paperwork and proof of the debt, but they have failed to do so.
In addition, the collection agency has been calling my family members, causing distress and discomfort to them as well. This behavior is unacceptable, and it is clear that the collection agency is not following the guidelines set forth in the Fair Debt Collection Practices Act.
Therefore, I request that the collection agency takes immediate action to remove this debt from my credit report, provide me with all necessary paperwork and evidence related to the debt, and cease all harassing and threatening behavior. I hope that this issue can be resolved quickly and amicably. Thank you.
|
| 08/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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In a letter dated XX/XX/2019 addressed to LVNV Funding LLC and sent to all three ( 3 ) Credit Bureaus, the following document was attached as Proof of Claim in connection with the following accounts : XXXX, XXXX.
In the responses from LVNV Funding LLC a summary of the accounts were sent and in the previous complaint to the CFPB ( Case # XXXX ) the document included the account and activities from the previous owner of the accounts but no documentation was included addressing the specific claim of LVNV Funding LLC 's rights to collect this debt. In the letter in response to CFPB, LVNV simply claim that " With the purchase of these accounts LVNV acquired all ownership rights, including the right to collect on these accounts and to report to the consumer reporting agencies ( known as " credit bureaus '' ), IF ELIGIBLE. '' The mere act of purchasing these accounts does not make LVNV ELIGIBLE to collect on these accounts. None of the following conditions have been satisfied : 1. LVNV MUST furnish a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector.
2. LVNV MUST furnish a copy of the original promissory note/agreement redacting my social security number to prevent identify theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
3. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.
4. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
5. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
6. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
7. Verify you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable.
8. Provide verification from the stated creditor that you are authorized to act for them.
9. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 Sec. 1341.
|
| 11/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
How is it possible that an account that was supposed to have been settled with XXXX XXXX XXXX almost three years ago is now appearing on my credit report in collection with a derogatory remark. I consolidated all of my outstanding debt almost three years ago, and have not had anything negative on my credit report since.
XXXX XXXX XXXX settled my XXXX credit card account again, almost three years ago. I have not received anything regarding an outstanding balance or owed amount since it was settled.
Recently I applied for lower rent apartment and was denied due to a derogatory remark on my credit report. I had no idea what this could have been.
I looked up my credit history and it reads that a XXXX account was opened XX/XX/2020, and the owed amount is XXXX I never reopened this account, and did not charge this amount of money.
Apparently another company Lvnv took over XXXX, and does not have record of my closed account from three years ago. Regardless, I never charged XXXX, never reopened this account, nor have never received any notification that I owed anything because as far as I knew this account was closed and settled.
I called LVN ( XXXX ) to try to get this corrected, but there was no resolution and they are saying I owe {$4300.00} which is an amount I never charged. I didn't even have a credit limit for this amount from over three years ago. My credit report is reading that I opened this account XXXX XXXX and have not paid in 8 months - this is absolutely not true.
I can not understand how I finally got out of debt and have been building up my credit for almost three years, then this appears on my credit report from Lvnv company. How is this legal. This company prevented me from moving into an affordable apartment with my son. This one company destroyed my credit - how can this be acceptable. I am a single mom who pays my bills and takes care of my son. What gives this company the right to be able to apply this to my credit report??? Even if by chance the debt consolidator did not settle this once account, shouldn't I have received a bill, notice from XXXX???? I never once received any notification so how is it possible this company is allowed to destroy my credit in a split second when I have spent three years building it up. With COVID and all the negative in this world, I actually had one positive - a potential affordable home, but because Lvnv added an account as opened XXXX XXXX stating has not been paid in 8 months I lost my opportunity. Again, I never opened this account XXXX XXXX, nor have I ever owed this amount of money. At this point I do not know if I need to take legal action for ruining my credit, illegal allegations, lost opportunity for a secure home, mental stress, now anxiety. This is really just terrible, and very upsetting.
I am hoping you can help in getting this resolved.
Thank you for your time Stay safe XXXX XXXX
|
| 12/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Please be apprised that LVNV Funding LLC XXXX XXXX Bank XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " XXXX XXXX XXXX '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS, AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE THE FOLLOWING ACCOUNTS AND/OR INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Needs attention {$3000.00} LVNV FUNDING LLC Needs attention {$470.00} LVNV FUNDING LLC Needs attention {$460.00} Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
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| 12/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Please be apprised that LVNV Funding LLC XXXX XXXX Bank are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
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| 10/16/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On or about XX/XX/XXXX, I received a collection letter from a company called XXXX XXXX demanding a payment of {$980.00}. I immediately called but was told that the account was transferred to Resurgent Capital Services ( Ref # XXXX ). I contacted Resurgent to inquire about the nature of this debt. They claimed that they did not have any information other than the amount of the debt due and demanded payment or they would report me and damage my credit.
Since I am 100 % confident the account balance is {$0.00}, I asked them to please provide validation of debt. I asked that a copy of my signed receipt and statements be sent to me for review. I have sent 2 requests to both their addresses just to make sure that someone would respond.
First request mailed XX/XX/XXXX Resurgent Capital Services ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Second request mailed XX/XX/XXXX Resurgent Capital Services ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX SC XXXX No response. Instead on XX/XX/XXXX, I received another demand letter from Resurgent demanding immediate payment of a debt I know nothing about.
On XX/XX/XXXX I sent a second request ( Certified Receipt # XXXX XXXX XXXX XXXX XXXX ) asking for validation of debt. I asked to receive a copy of my statements and a copy of the signed receipt showing the alleged debt. Again no response.
For the past 9 years I have been trying to build my credit and it is very important for me to continue to do so. I have my statements from XXXX XXXX the issuing bank- and I have proof of all my payments being done on time.
In XX/XX/XXXX, I called XXXX XXXX and asked them to close my account, however the operator convinced me to keep it open and promised to take off the annual fee if I do so. Her words to me were closing it would lower your credit score, Ill remove the fee so you can keep it open for the coming year and increase your credit.
I literally left the card at home because I didnt want to use it any more. I never received any statements from them after this phone call and since I did not charge any purchases, I didnt find it odd not to receive a statement. Many credit cards/banks dont send out statements when there are no charges.
My last activity with XXXX XXXX was in XX/XX/XXXX.
I did not hear anything from them for a year and suddenly I get a collection notice. Basically threatening me to pay now or they will ruin my credit.
Can you please let me know what I can do to protect myself? I have called and spoken to them. They are very rude and not helpful at all. They keep telling me that they will mail me the validation of debt but they dont. I have waited for them for 2 months and still no response.
This account is paid in full and has not been used for more than a year. Therefore, I am disputing all the charges and claims.
|
| 08/30/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX I sent XXXX a debt validation letter.
XX/XX/XXXX Resurgent Capital Services sent me a letter along with one statement and a Account Summary that was prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. They made it very clear that the account summary was not from the original creditor.
XX/XX/XXXX I wrote Resurgent Capital Services.
XX/XX/XXXX Resurgent Capital Services responded with the same exact letter they sent XX/XX/XXXX. They have ignored my dispute that I sent them directly notating all the violations they have committed.
The paperwork Resurgent sent me directly claims they have acquired the alleged debt on XX/XX/XXXX but claims that the last payment was made XX/XX/XXXX. I've never paid a dime to Resurgent, but they claim I did 2 months after they acquired the alleged debt. at the time of the acquisition the alleged debt was for {$1300.00} but the current balance reads {$1200.00}. There paperwork reads that a payment was made or a credit was applied of the amount of {$110.00}. all these allegations are false and I believe resurgent is practicing illegal procedures. what date was this alleged payment or credit applied to the balance? it is illegal to alter the original balance that was charged off and if they claim that a payment was made then how was the alleged payment processed? I want to see the exact transaction. in there response letter they also notate another collection agency named XXXX XXXX XXXX saying they have received correspondence regarding the verification on this alleged debt. why is there another entity being notated in a letter that has nothing to do with resurgent or this alleged debt? when it comes to there dunning letter they sent me Resurgent is trying to collect on a debt that I owe to LVNV Funding LLC. now I believe LVNV funding and Resurgent are possibly under the same umbrella but the fact that they make it seem like XXXX is a original creditor is a violation. A debt collector can not be a original creditor. Resurgent has also failed to notate the full account number in there dunning letter. in conclusion Resurgent or LVNV funding or XXXX XXXX XXXX has NOT properly validated this alleged debt and they have violated the FDCPA on numerous counts. Resurgent has altered the original charge off balance that could have possibly re-aged this account. resurgent has falsly accused me of making a payment to there agency 2 months after they acquired the alleged debt. Resurgent claims that XXXX is the original creditor. Resurgent has threatened to return this account to active collection even tho the alleged debt has not been properly validated and is time barred. Resurgent has inserted another company XXXX XXXX XXXX in there correspondence. Resurgent is illegally trying to collect this debt under my name without any verification or contractual agreement that was made.
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| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing to inform you that I am a victim of identity theft. I have recently discovered that several accounts have been opened in my name without my knowledge or consent. These accounts include : A. ) XXXX XXXX Account was opened with my name fraudulently in California XXXX XX/XX/XXXX with a XXXX of {$36000.00}. I didnt notice until about XXXX of XXXX when I received a call from the XXXX police department.
B. ) XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX of {$930.00}. Ive tried disputing before, XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card.
XXXX ) XXXX XXXX XXXX XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX of {$630.00}. Ive also tried disputing before, XXXX XXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card.
XXXX ) XXXX XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX of {$1000.00}. Ive also tried disputing before, XXXX XXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card.
XXXX ) XXXX XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX of {$550.00}. Ive also tried disputing before, XXXX XXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card.
I did not open these accounts and have not authorized any transactions on them. I have not received any correspondence or statements from these accounts, and I was only made aware of their existence when I checked my credit report.
Furthermore, I have also learned that my driver 's license and social security card have been compromised. I have taken the necessary steps to report this to the relevant authorities and am in the process of obtaining new identification documents.
I would like to request that you immediately close these accounts and take any necessary steps to prevent further unauthorized activity. I would also appreciate it if you could provide me with a copy of any fraudulent transactions that have occurred on these accounts.
I would be grateful if you could also inform me of any additional steps I need to take to protect myself and my credit in the future.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX Lenders listed above are not handling my dispute in a fair and timely manner.
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| 08/29/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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I submitted a complaint about this under a different category, but this category is the proper category because they have already taken action against me in a debt that is not only time barred ( 20 years old ) but also I was never given proper notice of the debt and the court proceedings. The response i got back from the debt collector DID NOT address any of my issues or attempt to resolve them. It simply stated that they got a default judgement against me for a debt that again is from 20 years ago ( XX/XX/1999 original debt ) and that they tacked on interest and fees. So again here is what I would like to know is why have I never heard anything from this debt collector in 20 years? The first I hear of this debt is from my employer when they inform me of a garnishment. I have not once tried to hide from anyone I have filed my taxes, done change of addresses every time I moved, filed for credit, received credit etc. why now do they seek to obtain resolution 20 years later and garnish my check. They could have garnished my check from 3 previous employers while I was actually living in XXXX. Why wait till I have moved out of XXXX?
Below is my original complaint I was checking my pay stub and noticed that it was much different than usual meaning it was short {$460.00}, the same day I received a letter in the mail from my HR department ( Not from a collection agency or any other source outside my employer ) stating that they hard a court order to garnish my check for 25 % of my earnings for 30 pay periods. There was no warning or notification that this was going to happen prior to this. I did not receive any attempts to collect a dept or any kind. When further investigating this debt I noticed it was from a debt that was over 20 years ago and the original debt was for {$6700.00}. At that time I was never notified that I had this debt and there were no attempts to collect this debt over the next 20 years. I have made several times over the 20 years but I constantly updated my address with the US Postal Service along with updated drives licence and obtained credit at each address so there was not chance that they could not locate me and send me notification or attempt to collect this debt I also had the same telephone number for the past 12 years. Also I filed federal and state income taxes for those years and that had my address on them so there was no reason they can say I was not reachable.. The interest and fees on the original amount is obscene as they made no attempt to collect the original debt. I am not saying I do not need to pay the original amount but I should not have to pay the interest and fees. I am willing to pay the original amount a rate that is reasonable to continue to live in my current location which is XXXX XXXX XXXX. which is one of highest cost living areas in the united states if not the highest.
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am writing to file a complaint against XXXX regarding the illegal reporting of collections on my credit report. The collections that XXXX has reported are inaccurate, outdated, and can not be verified. As a result, I have been denied credit and other opportunities.
The accounts that must be removed are : LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX XXXX is in XXXX of multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 604, which requires credit reporting agencies ( CRAs ) to provide consumers with a copy of their credit report upon request. It also requires CRAs to disclose to consumers the sources of the information in their credit reports.
Section 609, which requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. The notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score.
Section 611, which requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. It also requires CRAs to reinvestigate disputes if the consumer provides new information.
Section 615, which requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. It also sets out the conditions under which CRAs may furnish credit reports to third parties.
Section 623, which includes subsections ( a ) ( 1 ), ( a ) ( 2 ), ( b ), and ( c ). These subsections require CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports, require furnishers of credit information to provide complete and accurate information to CRAs, require CRAs to reinvestigate consumer disputes if the consumer provides new information, and require CRAs to delete information that is outdated, incorrect, or can not be verified.
I have attempted to dispute the inaccurate collections with XXXX, but my disputes have been either ignored or rejected without proper investigation. XXXX 's failure to comply with the FCRA has caused me financial harm and has damaged my credit score.
I am requesting that XXXX immediately remove the inaccurate collections from my credit report and take all necessary steps to ensure that they are not reported again in the future. Additionally, I am requesting that XXXX provide me with a free copy of my updated credit report.
If XXXX fails to comply with this request, I will be forced to consider legal action to seek damages, as well as attorneys ' fees and costs, for their violation of the FCRA. I may also file a complaint with the Federal Trade Commission ( FTC ) and other relevant regulatory agencies.
Thank you for your attention to this matter.
|
| 10/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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I am in need of help because I am being harassed by a debt collector who repeatedly is calling me after I told them that it was inconvenient time to call me, but they didnt stop there. I have a recording of them telling me that I was a bad time to call and I also have screenshots of them calling at the same time making me feel uncomfortable then they called my job and my employer and that was the last straw. I looked up this law 15 USC 1692, which is in the FDCPA and section 69 to see a one. It says any unusual time or place known What should be known to be a convenient to the consumer is the absence of knowledge circumstances on the contrary, a debt collector, so assume that a convenient time for communicating with the consumer is after XXXX XXXX, and before XXXX XXXX post to XXXX local time at the consumers location which means that if I told him its not a good time they should not call me back those are convenient. Plus they shouldnt call my employer, which also violated under FDCPA.
I am writing to express my deep concern and dissatisfaction regarding the conduct of a collection agency that has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and has negatively impacted my credit history.
15 U.S. Code 1692c - Communication in connection with debt collection I dispute the illegal actions taken by LVNV FUNDING and the inaccuracies they have reported on my credit report. The specific concerns I have are as follows : Violation of FDCPA : LVNV FUNDING has engaged in actions that may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 1692c ( a ) ( 1 ). They have contacted my employer regarding my debt without my consent, a direct violation of this federal law. This violation is supported by relevant case law. For instance, the case of XXXX XXXX XXXX, XXXX, Defendant.
Case No. : XXXX ] highlighted the importance of adhering to the FDCPA and respecting consumer rights. In this case, it was ruled that debt collectors must not contact a consumer 's employer without consent. This serves as an example of the legal precedence set in cases where credit reporting inaccuracies led to negative consequences for the consumer. This case reinforces the importance of accurate reporting by debt collectors and credit bureaus.
I have taken appropriate steps by disputing this with the collection agency directly.
However, I am writing to you, as a credit reporting agency, to request your assistance in investigating this matter and ensuring the accuracy and fairness of my credit report.
I kindly request that you : Conduct an independent investigation into the accuracy of the information provided by XXXX XXXX I demand the following accounts be verified or removed immediately.
XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX in connection with debt collection
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reading Fair Credit Reporting Act 15 USC 1681 section 602 where it says, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and Im the consumer. I know i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which says that " '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' As I inform that the financial institution and the Consumer reporting agency like XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Furnisher of information to credit agency whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to the credit agency Never informed me of my right to exercise my nondisclosure option. According to 15 USC 1681C ( a ) ( 5 ) says '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item XXXX is reporting again without my permission and that is against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) it says " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX are not maintaining reasonable procedures. And9 12 CFR 1016.7 says " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 07/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This LVNV FUNDING account with a balance of {$320.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
|
| 08/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I noticed LVNV FUNDING, LLC is reporting an account on my consumer report ( XXXX and XXXX ). I know that after a debt collector contacts you about your debt, you have 30-days to request debt VALIDATION according to the FDCPA. To which I submitted multiple debt validation letters via certified mail to the debt collector. Under remarks it even reads " consumer disputes this account information. '' Also, keep in mind according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that a debt is disputed ( when I disputed the validity of the alleged debt ), the debt collector, in this case, LVNV FUNDING, LLC is supposed to obtain VERFICATION, not validation of the said debt. XXXX did you VERFIY the alleged debt because no documents supporting the VERIFICATION of the said debt was provided. Furthermore, how can a debt collector say they gave a loan to a consumer that holds an open end credit plan ( all consumers hold open end credit plans ) which, btw we can regularly extend to ourselves through our true " credit card '' under 15 usc 1681. How then, can one be a barrower if the consumer is the true " debt '' collector? A consumer cant barrow from what he/she initiates.
LVNV Funding LLC is a company known for buying charged-off accounts from companies like credit card issuers and personal loan lenders. We know that a charge-off is a debt that an original creditor has given up trying to collect on after a number of tries. This company brings in an annual revenue exceeding $ XXXX. What's crazy is that it is completely ILLEGAL for anyone outside of the Federal Reserve Board to use Federal Reserve Notes aka FRN 's from a consumer to make, what you all like to call it " payments '' towards an alleged debt ( according to 12 USC 411 ), especially any " LOAN '' where we know the consumer extended credit to themselves, solidifying the fact that any " CREDIT TRANSACTION '' was already paid for with a consumers social security " card ''. ( define credit card ). So contrary to what is portrayed on my consumer report, LVNV Funding, LLC did not give ( loan ) me anything. I am the original creditor according 18 USC 914. Keep in mind, the statute of limitations on this said debt is up in relation to where I reside ( 6 years ).
YOUR ( LVNV Funding, LLC ) collections practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct : the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt.
I do not know this company. I have never done any business with this company. This company does not have a contract with my signature and pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ), I never gave written instruction for this company to furnish any information on my consumer report.
|
| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dear Sir or M.me, XXXX XXXX XXXX bought my debt from XXXX XXXXXXXX ( see attached letter ) on XX/XX/2019. Notice that it mentions XXXX XXXX XXXX XXXX to be the buyer and new owner of my debt.
Nearly 4 months later the firm I hired settled with Resurgent Capital Services in a document that shows LNVN to be the owner of the debt. We settled and payments ar e being made on time regularly ever since. Next payment for over {$100.00} is scheduled for XX/XX/2019.
After 3 months, on XX/XX/2019, inexplicably LVNV decides to place a negative mark on my credit report causing huge financial damages since I am in the process of refinancing and cashing out significant amount of funds.
I have spoken and written multiple times with RESURGENT 's personnel and they had no answer for the questions that I had, which are the following : 1 ) The second page of the contact with Resurgent/LVNV/XXXX XXXX XXXX XXXX clearly states that a negative mark will be reported only in case of non fulfillment of the agreement. Agreement was and is being fulfilled, therefore, the negative report on my credit file was and is in violation of the contract.
2 ) The companies above mentioned have violated Federal Law FDCPA ( 15 U.S.C. 1692 to 1692p ) which states : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Unfair Practices A collection agency can't engage in any unfair or outrageous method to collect a debt. For example, it cant : add interest, fees, or charges not authorized in the original agreement or by state law -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The above mentioned companies are indirectly causing a significant addition of charges to my personal and to my financial life.
My current loss of funds it is caused by a measure that violates the contract stipulated between the parties.
3 ) I was told by Resurgent representative that there was a six months time period since a debt is bought for the company to start reporting to the credit bureau.
The statement was denied later by a manager.
4 ) I never received any communication from XXXX XXXX XXXX XXXX that LNVN was the owner of my debt or what type of roles they have with my debt. According to the letter XXXX XXXX sent me the owner was XXXX XXXX XXXX XXXX.
I am suggesting all the above mentioned companies to change their policies in regards to credit reporting and never penalize a party when payments are being made by negative marks in the credit file.
I am asking the above mentioned companies to immediately remove the negative marks in my credit file for XXXX and XXXX and cease this unfair practices.
|
| 08/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XX/XX/XXXX Resurgent Capital Services XXXX : VALIDATION OF ACCOUNT Reference Account # : XXXX To Whom It May Concern, This letter is being sent to you in regards to the letter I received dated XX/XX/XXXX ( attached ) which is advising me to make payment of a debt I do not owe .What was provided was not any validation that this debt is mine. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation was requested.
Additionally, I am a victim of identity theft and have attached the documents along with this complaint.
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act.
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
6. What did you pay for this account, and how did you calculate the current amount owed?
I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.
In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will not report this information to the Credit Reporting Agency until full validation has been completed.
I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigatory process concurrent with your investigation.
Sincerely, XXXX XXXX
|
| 08/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date.
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.
Any other action ( or inaction ) on your behalf will result in a small claims action against your company.
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 05/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XXXX of this year, I accessed my credit files through one or more of the credit bureaus and discovered a collection under the business trade-line for XXXX XXXX XXXX. This collection was placed by Resurgent Capital Services on " behalf '' of Pinnacle. " Resurgent is the owner of " pinnacle, '' which is easily provable through business records. Following my discovery, I disputed the alleged account with the credit bureau, I filed a complaint with the appropriate Better Business Bureau. I also sent a letter ( priority mail ; delivery confirmation ) directly to Resurgent disputing this alleged account. To date, I have not personally received any form of communication from Resurgent. An " XXXX XXXX '' ( who states it represents the compliance department ) did respond to the complaint with the BBB. That communication was forwarded to me. XXXX has made several false claims ; Beginning with the stated fact that this account had been " properly '' verified. I have never received any form of communication regarding this alleged debt ( written or verbal. ), from Pinnacle or Resurgent. There is the claim, that this company is in compliance with the FCRA and the FDCPA, however, I can prove that there are several violations of both. XXXX, also states that Resurgent " utilizes '' numerous third-party collection agencies, this account has been placed with more than one of these third-party agencies. XXXX has alluded to an internal investigation concerning this alleged debt. Followed by a statement that contradicts an investigation having been conducted. XXXX also falsely accused me of making statements that I did not make. And that is also easily proven. This XXXX has stated that it is MY responsibility to provide this company with proof that I do not owe this debt. This company has made the claim, alleged and/or accused me of owing this alleged debt. It is the responsibility of the company to legally prove that this is a legitimate debt. That I am legally responsible for this alleged debt. XXXX made more than one statement that can be construed as defamatory. Statements, that I consider expressed and implied threats. XXXX, on behalf of Resurgent has infringed on my legal rights. As well as attempting to use intimidation/bully tactics to force me into complying/agreeing with the narrative of Resurgent. I have attempted to get the appropriate information regarding the alleged debt directly from Resurgent. As I have stated, to date, Resurgent ( or XXXX, acting on behalf of Resurgent ) has refused to supply this information. Resurgent/Pinnacle need to be thoroughly investigated by both the Federal Trade Commission and the State of Georgia Attorney General 's office. Though, this XXXX, is only acting on behalf of Resurgent, this person needs to be held accountable for its words and actions.
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I enrolled in a Debt Management program through XXXX XXXX XXXX in XX/XX/XXXX. I received an email from XXXX XXXX XXXX in XX/XX/XXXX advising a settlement had been reached with one of my accounts with XXXX XXXX.
Dear XXXX, XXXX XXXX XXXX has some exciting news for you. We have a settlement proposal for your review. XXXX XXXX XXXX has received a verbal commitment from one of your creditors to settle one of your accounts. Below are the terms of the offer : XXXX XXXX XXXX XXXX - XXXX Current Balance Owed to Creditor - {$1200.00} Proposed Settlement Offer - {$550.00} Number of payments - 12.0 Monthly Payment o XXXX XXXXXXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$25.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} o XXXX XXXX x {$67.00} Total Savings - {$650.00} I am sure you are as excited about this settlement as we are! If you have any questions, please call our Customer Service team at XXXX.
To approve this settlement, please click this link : Thank you, Client Success Team XXXX Toll-Free XXXX Fax XXXX That same month, XXXX XXXX sold my account to LVNV FUNDING LLC a collection agency, which now reflects as such with all three credit bureaus. On XXXX, I contacted XXXX XXXX XXXX via email to advise of the collection account. They responded back the following ...
Dear XXXX, Thank you for contacting us.
The final payment to XXXX XXXX was completed on XX/XX/XXXX. Please allow up to 90 days for the creditor to update their records. If at that time your account is reporting inaccurately on your credit report or you continue to receive statements/collection letters, please reach out to our Client Success team and we will work with you to rectify the situation.
If you have any further questions or concerns, please reach out to our Client Success Team at XXXX or at XXXX between the hours of XXXX XXXX XXXX ( ET ) XXXX XXXX.
Temporary change in hours until further notice : Monday Friday from XXXX XXXX to XXXX XXXX XXXX.
Thank you, Client Success Team XXXX XXXX XXXX XXXX At that point, I attempted to dispute the error with XXXX, XXXX, and XXXX. XXXX, and XXXX stated the following ...
Historical Info Original Creditor XXXXXXXX XXXX XXXX XXXX Contact Info Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, SC XXXX Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
This item was updated from our processing of your dispute in XX/XX/XXXX.
This will be my 3rd attempt to contact XXXX via email to see if they can contact this collection agency to make them aware of my settlement agreement ... Meanwhile it appears I continue to make payments to them for the XXXX XXXX account.
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 01/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
|
On all 3 credit bureau files, under my name and other identification details, the collection company, LVNV, is reporting erroneous and fraudulent information in reference to an account that does not belong to me.
Closed Accounts ( Collection Company ) Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit LVNV FUNDING LLC Hide Details XXXX XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} COLLECTION ACCOUNT {$0.00} LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX SC-XXXX ( XXXX ) XXXX Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$390.00} Type of Account : Open Credit Limit : {$0.00} Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$390.00} Date Reported : XX/XX/XXXX Amount Past Due : {$390.00} Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : N/A Creditor Classification : Retail Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes this account information, Collection account 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key Erroneous Account in Collection : XXXX Hide Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX PAYS AS AGREED {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN-XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$290.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$2100.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 24 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key
|
| 02/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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I am writing to file a complaint regarding inaccurate information in my credit report. I believe that this information is in violation of the Fair Credit Reporting Act ( FCRA ) and I am seeking its removal.Currently, it seems the CRA 's are trying to wrongfully initiate more disputes, when I have instructed them to remove the inaccurate and erroneous information.
The information in question is : LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX This information is incorrect and has been removed from the two of three CRA 's. XXXX is the only CRA still reporting this inaccurate information. They continue to perform illegal disputes and investigations without providing any information.
As you are aware, the FCRA requires credit reporting agencies ( CRAs ) to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. Specifically, Section 623 of the FCRA requires CRAs to maintain reasonable procedures to ensure the accuracy of the information in their credit reports, as well as to reinvestigate consumer disputes if the consumer provides new information ( 623 ( a ) ( 1 ) and ( b ) ). Furnishers of credit information are also required to provide complete and accurate information to CRAs ( 623 ( a ) ( 2 ) ). Furthermore, CRAs are required to delete information that is outdated, incorrect, or can not be verified ( 623 ( c ) ).
In light of these requirements, I demand that the negative information in question be removed from my credit report immediately. I have already taken steps to dispute the accuracy of this information with the credit reporting agency, but to no avail. I believe that this information is damaging to my credit standing and I am entitled to a fair and accurate credit report under the FCRA.
I also would like to bring to your attention that I have also reviewed my rights under Section 609 of the FCRA, which requires credit reporting agencies to provide consumers with a notice of their rights when they receive a copy of their credit report. This notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score. Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the accuracy of the information in their credit reports.
I kindly request that you take immediate action to investigate this matter and to remove the inaccurate information from my credit report as soon as possible. I look forward to hearing back from you regarding the resolution of this matter.
Thank you for your time and attention to this matter.
|
| 02/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have in my possession evidences and proof that show actions of common law fraud, unjust enrichment, and restitution ; Fair Debt Collection Practices Act ( FDCPA ) violations ; Fair Credit Reporting Act ( FCRA ) violations ; counts of Racketeer Influenced and Corrupt Organizations Act ( RICO ) violations, GRAMMLEACHBLILEY ACT ( GLBA ) violations and CCPA ( California Consumer Privacy Act ) by all parties involved listed above.
XXXX XXXX, I received a copy of my full credit report via XXXX and noticed immediately, major errors with four accounts associated with the name or variations of the name XXXX XXXX, Resurgent and 12 XXXX XXXX. I wrote letters via Certified mail requesting validation of the four separate entities that were listed as they were respectfully listed. Please be advised that the information reported about these three accounts was purposely entered to be misleading, incorrect and incomplete.
XXXX XXXX website states this account was never assigned to Sherman Originator III, LLC. As stated on XXXX XXXX records for the account ending in XXXX, it is stated Your account has been charged off and has been acquired by another party. Blacks Law Dictionary Second Edition defines the term, Acquire as, The action of buying or gaining the possession of property. That party is listed Sherman Originator III LLC, - XXXX.
Sherman Originator III LLC failed in their legal obligated duty as debt buyers to notify me when they purchased my debt from XXXX XXXX ( along with my nonpublic Personal Information ). This notice would have allowed me a window to dispute any duplicate accounts or validity. Subsequently, by not being disputed, they then became account stated. Meaning they created a new contract unbeknownst to me with Sherman Originator III LLC for every tradeline listed on my credit report. Fortunately, I did dispute these accounts during that time with XXXX XXXX. XXXX XXXX had the tradeline XXXX XXXX XXXX USA removed from XXXX and XXXX but remained on XXXX. This is the reason why when I received my credit report on XXXX XXXX, the account listed as, 12 XXXX XXXX XXXX, the comment says disputed my customer. The name was just changed.
Sherman Originator III LLC, currently has 86 companies and 74 people registered at the address of XXXX XXXX XXXX XXXX, SC XXXX, all of who seem to operate and function in different roles in each different company, all who of which are to be included but not limited to being included in this notice of intent to sue .The Sherman Group owns XXXX XXXX XXXX , where XXXX XXXX is CEO/Owner/Founder, Sherman Financial Group plus others,. This confusing chain of ownership is proof beyond unreasonable doubt that alter egos of these companies exist and the principle business of the affiliates is debt collection.
|
| 04/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
y Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by XXXX XXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE XXXX XXXX XXXX Which was brought by LUV funding was previously deleted for false information and inaccuracies. This company has me listed as a charge off but is illegally reporting me as paying for an account that is current listed as closed. This is against FCRA compliance. This needs to be removed immediately. Please send me a copy of the updated credit report. There is also a fraud alert on my account in which the company has not complied with. Multiple Fraud alerts have me placed on my account. XXXX has received several notices disputes and police report numbers. They have yet to remove this inaccurate information from my account.
The information is in accurate the debt was sold without my permission or written signature to a collection agency.
I have asked for original proof of ownership as well as a copy of my Identification and wet signature.
|
| 03/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Ive been receiving repeated emails and phone calls from this company alleging that I responsible for a {$950.00} debt. Ive never entered into a contract with this company and theyre in violation of 15 U.S. Code 1692e - False or misleading representations U.S. Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
15 U.S. Code 1692e - False or misleading representations U.S. Code notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
This company is committing fraud by attempting to collect a debt thats been charged off which is a Federal Offense by law.
Duties of person taking certain actions based on information provided by affiliate ( A ) Duties, generally ii ) does not include ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.
|
| 06/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I received a judgment against me in the amount of XXXX for failure to pay an old debt ( I believe a credit card ). I unfortunately left this go thinking it would eventually go away, but in XX/XX/XXXX the company ( Cach LLC ) that filed the judgment, garnished my bank account in the amount of XXXX and at that point I decided I needed to take action to clear the debt so in XX/XX/XXXX, I entered into an agreement with their, then debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to make an initial payment of XXXX and then 29 payments in the amount of XXXX with a final payment in the amount of XXXX. At the time of the repayment agreement, I was informed the amount to be paid would be XXXX. These payments were to automatically be debited from my bank account. The payments initiated and after the first 3 months, stopped. On XX/XX/XXXX a letter was sent to me from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX stating that Cach LLC ( the creditor ) placed my collection with this new law office but would honor my existing payment arrangement if I would contact them, which I did on XX/XX/XXXX at XXXX and spoke to XXXX XXXX who transferred me to XXXX XXXX who set up a new payment arrangement for me to pay XXXX each month for 24 months to pay the then current balance of XXXX. My account was finally paid in full in XXXX of XXXX. Upon request, I received a letter from XXXX XXXX XXXX, who was then the current collection agency, dated XX/XX/XXXX, stating my account was paid in full. That letter states that I paid a total amount of XXXX ( which is way more than the original amount being collected ). The letter also states that I can use it as a receipt for use with future credit inquiries, which I received in XX/XX/XXXX from XXXX XXXX XXXX XXXX, yet another collection agency retained by Cach LLC. This letter states I owe XXXX on the account for which I have a letter stating the account was paid in full. I called XXXX XXXX XXXX XXXX. on XX/XX/XXXX and was told to fax that paid in full letter to them which I did on XX/XX/XXXX at XXXX. On XX/XX/XXXX, Resurgent Capital Services sent me two letters stating they reviewed my claim regarding previous payments made on the account and after review they were unable to validate my claim. I am not sure if this is yet another collection agency retained by Cach LLC but I now feel as if they are harassing me and I am not sure why a paid in full letter would not be enough to validate my claim. I have paid way more to these collections agencies for this account than owed and I have not been able to settle this matter with Cach LLC through their many collection agencies, at no fault of my own. I have overpaid this creditor and they still keep coming after me stating I owe them more.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX & XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX, XXXX.
Current Owner : LVNV Funding LLC Reference Number : XXXX Notice and Demand to Cease and Desist Collection Activities Prior To Validation of Purported Debt.
LVNV FUNDING LLC ( RESURGENT ) a third party debt collector claims are unfounded and egregiously negligent by their own tacit admission with the provided alleged documents pertaining account summary, bill statements, and terms and conditions as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809 ( 15 U.S.C. 1692 ( g ) ) and applicable LVNV FUNDING LLC ( RESURGENT ) able state and local XXXX XXXX is hereby requesting that LVNV FUNDING LLC ( RESURGENT ) an authorized officer or agent of the Lender sign and return the attached affidavit within 72 hrs of the date of this notice. Also attached is an affidavit signed by the Borrower stating the Borrower 's personal knowledge of the terms of the agreement. Also attached is a affidavit of Truth reflecting all ( GAAS ), ( GAAP ) book-keeping on the public and private sides. This is XXXX XXXX good faith attempt to settle this matter and clear up any confusion about the terms of the loan agreement prior to an Administrative Hearing on the matter. Failure to respond will be deemed a dishonor of this Notice. The affidavits are evidence that may be used according to the Federal Rules of Evidence to prosecute or enforce any default by you in this matter. My CPA is prepared to offer Expert Witness testimony should court proceedings be necessary.
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1601-1692 et. seq., this constitutes timely written notice that I dispute the en-tire amount of the alleged loan and that I decline to pay the attached, erroneous, purported debt Notice which is unsigned and unattested and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach of contract, false representation, and fraud in the inducement.
Do the Generally Accepted Accounting Principles ( GAAP ), the Generally Accepted Auditing Standards ( G A AS ), the Audit Reports, the Auditor 's Working Papers, the Call Reports, and the credit card company 's financial statements ( that are related to and associated with the referenced account transactions ) reveal the substance of the loan agreement?
I DID NOT GIVE CONSENT VALIDATING LVNV FUNDING LLC ( RESURGENT ) to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked ''.
CONSUMER : XXXX XXXX
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| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
6. ( The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) 7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because neither of us was present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA.
Also, you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection or to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt.
Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail ONLY I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof.
You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek l Monetary compensation damages for the violations you already committed.
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| 04/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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Resurgent Acquisitions, LLC is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. In accordance with the FAIR CREDIT REPORTING act XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.
VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED.
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX.
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information.
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
You are in noncompliance with the Privacy of the Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt-out pursuant to 15 USC 6802 .
I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUESTS FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
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| 09/21/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of LVNV Funding/ XXXX XXXX XXXX XXXX XXXX XXXX
I just recently received a request for payment on a collection debt in the amount of {$590.00}, from LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX XXXX
Neither one of these collection agencies has ever contacted me to verify any debt, yet LVNV Funding LLC, has placed this fraudulent collection account onto my credit files, and I want it removed immediately.
LVNV Funding LLC has placed this debt onto my credit files with a date of XX/XX/2020, as though this debt was created this year, when I have had no dealings with them, or anyone that they are affiliated with.
This fraudulent date of XX/XX/2020, was intentionally placed onto my credit files to destroy my credit rating, and I want it removed.
A few years ago, I had to have attorneys to contact this collection agency, because of slander of credit on my credit files, as well as, they are good at falsely reporting fraudulent collection information to the credit bureaus, LVNV Funding LLC will falsely lie about dates, as they are doing now on my credit files, as well as they falsely re-age and falsify information I dont owe LVNV Funding LLC/XXXX XXXX XXXX, XXXX anything, and I want any and all derogatory information that they have placed onto my credit files removed, immediately.
A few years ago, I ended up taking XXXX to court, because between them and LVNV Funding LLC, they fraudulently and falsely continued to slander my credit, and LVNV Funding LLC, was behind all of the lies and false information.
The only mistake I made the last time while going to court was that I did not take an attorney with me, I was met with prejudice, and I will make sure I am fully represented this time, if need be.
I want hard copy proof in writing that they have removed this collection account and all derogatory information from my credit files, and I want LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services , to cease and desist from ever contacting me again.
On the credit file, they also list Resurgent Capital Services as well, and I want them included in this complaint as well.
As I have previously explained that I have dealt with this crooked collection agency before, and LVNV Funding LLC, and Resurgent Capital like to play a game that neither one or the other is responsible for the collection, all I know is that no one has ever contacted me to verify this debt, and they have no right to ruin my credit files with it.
LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX/ Resurgent Capital Services, can contact the Consumer Financial Protection Bureau , and the Consumer Financial Protection Bureau can contact me.
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| 10/21/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After receiving notice from a different debt collector regarding a debt of {$210.00} they were trying to collect, I sent a letter noting that I do not have any responsibility for the debt for which they were trying to collect. I then received a letter from Resurgent Capital Services dated XX/XX/XXXX for the same debt, stating that unless I notify them within 30 days after receiving that notice that I dispute the validity of the debt, they will assume the debt is valid. They sent another letter dated XX/XX/XXXX, which included a copy of a bill from XXXX for someone with the same name as me, but for an address, state, phone, and account that did not belong to me. I sent a letter dated XX/XX/XXXX, stating that the debt does not belong to me and I have no responsibility for it. I noted that none of the information in the billing statement they provided corresponds to me. I requested that they send a letter stating that they agree this debt does not belong to me within 30 days of receiving my letter. I also requested that they stop all other communication with me. I also requested that they not forward my information to another company and that they notify the other companies mentioned that this debt is not mine. I asked if they had reported this to a credit bureau that they notify them that it does not belong to me and to remove it from my credit record. I let them know that they have no permission to use the information I have provided for any other matter at any time and requested that they remove my information from their records.
I received another letter from Resurgent Capital Services dated XXXX XXXX, XXXX. That letter included the same information that was included in the one sent XX/XX/XXXX & XXXX. I sent another letter on XXXX XXXX, XXXX, stating categorically that this debt does not belong to me. I stated that none of the information in the billing statement provided corresponded to me. I have never lived in that state, I have never had a phone with that area code, I have never had an account with the original company with that account number and that I owe them nothing. I once again iterated that they should stop all communication with me in any form and to notify the other company ( ies ) that this is not my debt. I also stated that they have no permission to use the information I have provided for any other matter at any time and to remove my information from their records.
I received another letter from Resurgent Capital Services dated XXXX XXXX, XXXX, stating that they have initiated a review of the inquiry recently received.
Additionally I believe they either shared or sold my information to another debt collection agency which has now contacted me regarding a different debt that does not belong to me.
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| 11/05/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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On XX/XX/XXXX I sent a complaint to XXXX XXXX in reference to a collection account being reported on my credit file. The original complaint was because they started reporting this account on my credit file without giving me a DV. XXXX responded to the complaint via CFPB stating that this was the 1st they heard from, and never acknowledged that a DV was ever sent to me, because IT WASN'T. I then sent a response to XXXX XXXX on XX/XX/XXXX via certified mail, requesting proof that the said account was mine. 2 months later and I still have not received a response from XXXX XXXX. I included proof from the USPS that the certified letter was delivered and its been over 30days and they have not responded or verified proof of ownership.
Yet again, XXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am now demanding a description of the procedure used to determine the accuracy and completeness of the information being reported. Additionally, I'm asking to be provided with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
1655783.1.2
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| 10/13/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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LVNV is predatory - seemingly purchased several of my old debts and also my twin sister 's debts and are demanding that I pay her accounts as well ( accusing us of being the same person ). The lawsuit as well as collection efforts show too many discrepancies. LVNV Funding as seemingly filed an unlawful suit against me. Company is suing me for an old XXXX account . However, the documents they've submitted for evidence show a different account for " XXXX '' a car company that has been sued in a class action suit. XXXX sold my account and still tried to collect on the debt that I did not owe as well as LVNV. They both continued to collect after the settlement awarded and demanded they stop. A letter was sent on my behalf to LVNV on XX/XX/2021 and XX/XX/2021 and LVNV retaliated by filing a suit on XX/XX/2021. The plaintiff, LVNV has been stalking my credit profiles, purchasing multiple debts over six years old ( time-barred ) and collecting on those debts. They've sent me emails stating that they have reached the age to sue me on other accounts but stated that I still needed to pay them- collecting on time-barred accounts and also asking that I pay debts that do not belong to me and have also inaccurately reported. They are re-aging my accounts. The original owner did not zero out my balance field nor inform the purchaser LVNV of the date he account first became delinquent. ( I no longer owe the XXXX debt because the settlement required that the debt be forgiven due to unfair practices such as violating consumer laws and predatory loan charges. Attempts to collect debt not owed and there were no written notification about debt ( didn't receive, therefor, I didn't know I could dispute debt ). Their practices are harassing, abusive, unfair and they have multiple inaccuracies and discrepancies on my reports, accounts and emails, producing bills that I've never seen and do not owe. I have requested that they stop and they sued me in retaliation. The exhibits ( Exhibit A lists XXXX but they only show proof of the XXXX account for Exhibit A ) Schedule I in the court document states the account is " XXXX '' But, Exhibit B is about " XXXX XXXX XXXX ''. There is inadequate documentation inflecting a bill that does not mirror the amount owed by the original creditor. Please find attached XXXX XXXX, emails requesting for the creditors to stop contacting me and to also stop collecting on the date ( sent my me as well as by XXXX XXXX XXXX on my behalf ) current harassing emails collecting on a time-barred account and lawsuit filed by the plaintiff about these accounts that I do not owe. Letters were sent out, ( XXXX account, time-barred and proven that I do not owe via settlement ) before the lawsuit for these accounts were filed.
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| 11/04/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Re : Cease and Desist Letter Pursuant to 15 USC Dear XXXX XXXX I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into.
It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.
I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.
I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.
2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.
3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.
4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.
Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages.
This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law.
I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations.
Sincerely, All Rights reserved XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Signature on file
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| 04/14/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is an updated complaint filed earlier against XXXX XXXX XXXX which has a few departments that are hard to locate, inresponssive, impossible to talk to but once you get through they say that another department is handling them. However, this claim is reported on a credit report under LVNV Funding which is also stated on XXXX XXXX Notices. This complaint is addressed to LVNV which actually reports to credit agencies.
I had a signed settlement agreement with the XXXX XXXX XXXX for my account XXXX, settlement agreement XXXX. Where the settlement amount had been XXXX and by XXXX of XXXX {$490.00} of that balance had been paid off, the outstanding balance was {$350.00}. There was no payment withdrawn on XX/XX/XXXX, and XX/XX/XXXX. To prove I have a statement and notices from the bank reflecting a sufficient amount on the account and overdraft services were on. In XX/XX/XXXX I am receiving a letter and signing up for a new payment arrangement of {$64.00} and an outstanding amount is {$780.00}. After I have signed up for a new payment arrangement I realized that I have already had a payment arrangement for this account and I have already tried to contact XXXX XXXX to clarify through their website and sent 3 messages of which I have time-stamped screenshots. After I made a payment of {$64.00} according to the new and second arrangement that I could not cancel at this point, it brought my balance to {$280.00}. I send another message to them to clarify and called. When I called I was told by a young gentleman they have 2 different parts of the collection department and another department is under a different number, which I called and left a voicemail as no one was available. Then I proceeded to send another email, requesting to receive clarification on the account and balance. Today I have finally called and spoke to Ms. XXXX if I got it correctly and her manager XXXX where I was told at first that I was manually scheduling payments and did not schedule them, then I was told that it is all caused by my payment did not go through and that agreement was voided and now I have to start paying off the new settlement. Not only the manager was not courteous, did not let me speak at all or raise any questions, bossy, and it turned into more of a shouting exercise where I could not speak normally or question anything. She completely shut all my concerns. I truly feel that this collection process was unfair and misrepresenting, I was mistreated and paced me under pressure. Where this agency prays on the debt problems and makes them worse, robbing people and acting like vultures, instead of helping in resolving them by misrepresenting, miscommunication, and is reporting it to credit report under another agency.
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| 11/08/2023 |
Yes |
- Debt collection
- Credit card debt
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- Electronic communications
- You told them to stop contacting you, but they keep trying
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Web |
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I am filing a formal complaint regarding the debt collection practices of LVNV Funding LLC and related entities. On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending a letter to request validation of a debt, verification of ownership, and proof that the debt is indeed mine. I also explicitly requested that LVNV Funding LLC refrain from further collection activities until these verifications were provided.
Following my initial communication, I received collection notices from various entities, including XXXX XXXX and XXXX XXXX XXXX, which created confusion and uncertainty regarding the legitimate debt collector and the amount owed. On XX/XX/2023, I received an email from XXXX XXXXd, indicating an outstanding debt of {$1600.00} attributed to LVNV Funding LLC, adding to the confusion.
On XX/XX/2023, I received a collection notice for a different amount, {$2000.00}, with an attached statement from XXXX XXXX that did not provide a clear breakdown of charges or a valid explanation for the amount sought. In the same correspondence, an " account summary '' indicated that LVNV Funding LLC was the purported owner of the debt. This pattern continued when, on XX/XX/2023, I received another collection notice, this time from XXXX XXXX XXXX, also demanding {$2000.00}, with the same account summary and credit card statement, causing further confusion.
Most recently, on XX/XX/2023, I received an email from XXXX XXXX, once again seeking a payment of {$2000.00}. Throughout this entire process, I have not received the requested contract, statements detailing the balance due for specific charges, proof of debt ownership, or proper validation of the debt in question.
I am deeply concerned about the irregularities, discrepancies, and apparent violations of the Fair Debt Collection Practices Act ( FDCPA ) that have occurred during this debt collection process, including the failure to provide proper validation of the debt, communication from multiple entities on behalf of LVNV Funding LLC, and the lack of clear, transparent, and detailed account statements explaining the balance being sought.
I believe that these actions and practices may constitute violations of my rights under the FDCPA and related consumer protection statutes. Therefore, I am filing this complaint to request a thorough investigation into these matters and to seek resolution in accordance with the law. I kindly request that you review the attached documentation and any further details necessary to assess and address these concerns.
I remain committed to resolving any valid financial obligations I may have, but I insist that all collection activities are conducted within the boundaries of the law and with full transparency.
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| 11/13/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
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| 02/12/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After receiving a notice from a different debt collector dated XXXX XXXX, XXXX regarding a debt of {$200.00} with XXXX ( which I had never heard of before ), I sent a letter XXXX XXXX, XXXX noting that I do not have any responsibility for the debt for which they were trying to collect and requesting that they not provide my information to any other company. I then received a letter from another company dated XXXX XXXX, XXXX regarding that same debt. I responded to it on XXXX XXXX, XXXX stating once again that I had no responsibility for the debt but if they had good reason to believe that I was, to send me proof.
I then received 2 letters from Resurgent Capital Services dated XXXX XXXX, XXXX, both received XXXX XXXX, XXXX. One was a letter stating they were initiating a review of the inquiry received and the other with the documentation of a bill from XXXX from XXXX XXXX. This bill was for someone with the same name as me, but for an address/state where I have never lived. I sent a letter dated XXXX XXXX, XXXX stating that the debt did not belong to me and that I have no responsibility for it. I noted that I have never lived in South Dakota and I have never had an account with XXXX or XXXX. I asked that they stop all communication with me and with my address and to record that I have no obligation for this debt. I also noted that they were to have removed my information from their records previously because of a different account they tried to say was mine ( which was from the same town in South Dakota as this debt ), which they finally agreed did not belong to me. They stated before that they had removed my information from their system with regard to the previous inquiry. However, they or someone they work with must have given my address to other companies.
I once again received 2 letters from Resurgent Capital Services dated XXXX XXXX, XXXX. One was received XXXX XXXX, XXXX, and the other was received XXXX XXXX, XXXX. They included the same information regarding the debt as the letters received in XX/XX/XXXX.
I have never lived in South Dakota and I have never done any business with XXXX or XXXX. I continually tell them this debt does not belong to me. I have asked that they remove my information from their systems. I have absolutely NO delinquent debts and they have no reason and no right to keep my information in their systems. I understand they have a job to do, but continually contacting me about debts that are not mine is harassment.
This has required that I sent multiple letters certified mail and return receipt. This cost is getting burdensome for me and I want them to stop badgering me about debts that are not mine. I have NO responsibility or obligation for them.
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| 06/01/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have experienced difficulties with a specific debt collector Resurgent Capital Services L.P. concerning the collection of a debt allegedly owed by me. I firmly believe that the practices employed by this debt collector are questionable and possibly in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations.
Outlined below are the specific concerns I have encountered during the debt collection process : Harassment and abusive communication : The debt collector has engaged in relentless and persistent communication, including frequent phone calls, despite my request for communication to be conducted in writing. The nature of these calls has been harassing and intimidating, often involving threats and abusive language.
Lack of validation of debt : Despite my repeated requests for documentation validating the debt and proving their authority to collect, the debt collector has failed to provide adequate verification. I am concerned about the accuracy and legitimacy of the debt in question.
Unfair and deceptive practices : The debt collector has resorted to misleading and deceptive tactics in an attempt to collect the debt. This includes making false statements, misrepresenting the consequences of non-payment, and failing to disclose pertinent information, such as the debt 's origin or applicable statute of limitations.
Violation of consumer rights : The debt collector has neglected to adhere to the provisions of the FDCPA, such as failing to provide required notices or refusing to cease communication upon request. These actions have infringed upon my rights as a consumer and caused undue distress.
I have diligently attempted to address these concerns with the debt collector directly, but their behavior persists. Given the gravity of the situation, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify these violations. I believe it is crucial to hold debt collectors accountable for their actions and ensure that consumers are treated fairly and with respect.
Enclosed with this letter, you will find copies of all relevant correspondence and documentation, including communication logs and any written requests I have made to the debt collector. I hope that this information will aid in your investigation and provide a comprehensive understanding of the situation.
I appreciate your attention to this matter and anticipate a swift and thorough response. Please keep me informed of any developments or actions taken in response to my complaint. Thank you for your dedication to consumer protection and for your commitment to upholding fair debt collection practices.
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| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws.
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX ( XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) LVNV FUNDING ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.
Consent Decree Order, Section II.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
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| 10/18/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Re : Cease and Desist Letter Pursuant to XXXX XXXX Dear Resurgent I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into.
It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.
I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.
I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.
2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.
3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.
4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.
Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages.
This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law.
I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations.
Sincerely, All Rights reserved XXXX XXXX XXXX XXXX estate Signature on file
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| 04/09/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
15. Provide verification from the stated creditor that you are authorized to act for them.
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
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| 06/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hi, I ask the help of CFPB with the above creditor. XXXX and XXXX have stated that this account is accurate, yet both bureaus have not provided me anything. I have even sent a letter for VALIDATION First letter was sent out on XX/XX/2019 Second attempt has been sent at the beginning of XXXX, both letters I have sent and all I receive from the company are statement trying to collect a debt ( not mine ) these statements do not show anything and are not documents accepted as validation, so how is it that XXXX and XXXX are validating this account. I believe the bureaus are NOT validating anything and not properly investigating. XXXX and XXXX have closed my dispute and will no longer investigate ; therefore, I ask the help of cfpb to oversee what is going on. I request RESURGENT LVNV to remove both accounts from each credit files at once. Since they have failed to provide me with requested information. The FCRA requires you to verify the validity of the item within 30 days. I been disputing these accounts since XXXX150 days later, way pass 30 days. Enclose are copies of validation letters sent to creditor and bureau, receipt of certified mail and return receipt as well, creditor constant statement to pay a debt not belonging to me.
XXXX To who it may concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.I look forward to an uneventful resolution of this matter. Sincerely, XXXX XXXX
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| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit reporting Act 15 USC 1681 section 602. It is imperative that Consumer Reporting Agencies uphold this responsibility to the consumer and respect their right to privacy. The lawful right to keep my information private in accordance with 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of the customers non-public personal information. ( LVNV Funding, XXXX XXXX XXXX, XXXX XXXX ) are considered financial institutions under that title. In accordance with 15 USC 1681 section 604 stating that In general subject section ( c ), any Consumer Reporting Agency may furnish a report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( LVNV Funding, XXXX XXXX XXXXXXXX XXXX XXXX ) Furthermore I did not give consent to the financial institution and the Consumer Reporting Agencies XXXX, and XXXX and they absolutely did not have my written consent. XXXX and XXXX ( LVNV Funding, XXXX XXXX XXXXXXXX XXXX XXXX XXXX whether it be implied, verbal, written or otherwise is hereby revoked. According to15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose non-public personal information to a non-affiliated 3rd party unless the consumer is given an explanation how the consumer can exercise the nondisclosure option ( LVNV Funding, XXXX XXXX XXXX, Portfolio Recovery ) never informed me of my right to exercise my nondisclosure option. Furthermore, 15USC1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no Consumer Reporting Agency may make any consumer report containing the following items of info Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts would be adverse items that are being reported without my consent which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person has reasonable cause to believe that information is inaccurate. 15 USC 1681 e states Every Consumer Reporting Agency shall maintain reasonable procedures designed to avoid violations of sections 1681 c of this title and limit the furnishing of consumer reports to the purposes listed in 1681 b of this title. Unfortunately, XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time I am opting out of your reporting services
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| 06/09/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I HAVE NEW AND UPDATED INFORMATION ABOUT LVNV FUNDING LLC. Lvnv has been willful and neglient non compliance with federal law. They have violated my federally protected rights under the Fair Debt Collection Practice Act using abusive and harrasing practice to collect on an alleged debt.1.LVNV has been harassing me for multiple years, with over 100s of emails threatening to take legal action that can not be taken. 2. Lvnv compliance department responded and said they haven't used harassing tactics but attached are emails of them threatening to take legal action that cant be taken using harassing practice to coerce me in to paying the alleged debt. 3. XX/XX/2022 I sent an notarized conditional acceptance agreeing to pay the alleged debt if they can produce the documents listed on attachment within 10 days and they failed to do so which stated if they can not produce they can not rightfully enforce their claim, it as been XXXX months since they received the letter and still have not provided me with a lawfully claim I also sent an affidavit they failed to Rebuttal. 4. I have tried to resolve this issue and lvnv continued to threatened me with an lawsuit they have no standing on because a debt collector can not sue due to them not being the creditor and lvnv raised a claim against me in XXXX district court violating my federally protected rights. 5. When I called Lvnv and spoke with a representative she told me due to me disputing with the credit reporting agencies for two years against this account they brought a lawsuit against be which would be punishing me for exercising my rights. The complaint was pass the XXXX days and was not served to me but every time I wrote LVNV on cfpb they stated they could not respond because a case was pending when that was in fact a lie. They Illegal practices has and continues to cause me severe stress. They have sold my information to multiple companies to collect when they don't have the authority to have my personal information. Lvnv has failed to provide me with any information I asked for me to validate the alleged debt instead they continue to send the same statements when them and the creditor has different information listed its impossible to validate just off statements when I have a right to receive information according to the Freedom of Information Act. Attached documents to show proof They had 30 under the FDCPA days to validate the alleged debt or a copy of the judgement pursuant to 15 USC 1692 and they failed to do so. They compliance department also stated they do not have a time limit when the law says 30 days. This company has a problem with abiding by the law and shall be reasonably investigated for non compliance.
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| 08/15/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, LVNV FUNDING LLC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
LVNV FUNDING LLC Account Number : XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
LVNV FUNDING LLC Account Number : XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
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| 04/06/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have received the fraudulent, unsigned debt collection letter dated XXXX, XXXX XXXX and XX/XX/XXXX from RESURGENT CAPITAL SERVICES L.P ( reference ID : XXXX ). for LVNV Funding LLC to collect illegal debt from XXXX XXXX from XX/XX/XXXX for the amount of {$1700.00} RESURGENT CAPITAL SERVICES XXXX acquired the account from XXXX XXXX XXXX XXXX ( complaint filed against XXXX XXXX XXXX with CFPB on XX/XX/XXXX, Complaint ID XXXX filed to the CFPB and the case was closed ). RESURGENT CAPITAL SERVICES XXXX and XXXX XXXX XXXX XXXX, both belongs to LVNV Funding LLC are third party debt XXXX, third party interlopers. RESURGENT CAPITAL SERVICES XXXX, XXXX XXXX XXXX XXXX and LVNV Funding LLC are in violation of : 1. The Fair Deb Collection Practices Act, 15 U.S.C. ( Violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 802 ( a ), 803 ( 3 ), ( 4 ), ( 5 ), ( 6 ), & ( F ) et seq., 809 ( b ) ) Violation of the 18 U.S.C. 1341 Racketeer Influenced and Corrupt Organization Act ( RICO ), and 18 U.S.C. 242.
18 U.S.C. 242 makes it a crime for a person acting under XXXX of any law to willfully deprive a person of a right or privilege protected by the XXXX or laws of the United States of America. To wit : A national Bank can not lend its credit to another by becoming surety, endorser, or guarantor for him, such an act being ultra vires XXXX XXXX v. XXXX XXXX XXXX.
2. The federal laws of mail fraud prohibited by 18 U.S.C. 1341 XXXX XXXX and XXXX Organizations XXXX ( XXXX ).
The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any.
3. XXXX XXXX of fraud.
4. Pattern of Criminal Activity ( complaint filed against with CFPB on XX/XX/XXXX, Complaint ID XXXX, and now RESURGENT CAPITAL SERVICES XXXX XXXX XXXX from XXXX XXXX XXXX XXXX even that the case was closed ).
I formally request CFPB order the RESURGENT CAPITAL SERVICES XXXX and XXXX XXXX XXXX XXXX, and LVNV Funding LLC, the third party debt collectors : 1. To cease and desist all communications with me regards to this debt, or any other debts that these two entities allege I owe.
2. Not transfer to anyone else.
3. No charge off.
4. Any negative remarks made to a credit reference agency should be removed.
5. RESURGENT CAPITAL SERVICES XXXX, and XXXX XXXX XXXX XXXX, and LVNV Funding LLC, and non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and you implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thank you CFPB for your help.
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| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have on many occasions disputed a debt listed in my Credit Reporting file, the debt listed is LVNV and is for a debt they supposedly purchased from a company called XXXX XXXX. In response to each dispute, I have received a message stating the debt is verified as mine.
I have not done business with XXXX XXXX and have requested multiple times a document signed by myself be produced for my review reflecting my authorization of the original account being opened, neither XXXX or LVNV have produced a document of any type and I only get a notice that the debt has been verified.
I am again disputing this debt as not mine and it still remains listed as a verified debt on my Credit Reporting file.
Is it now allowed in the United States in conflict with Federal Law to just pick random people as a business and claim that they owe you money without ever having to produce any form of legal documentation to verify a debt? I have disputed this so many times and I have never had one piece of legal documentation provided to me with my signature, yet I constantly receive notices the debt was verified.
I have requested many times a copy of whatever process was used to verify the debt along with any documentation that has been provided by LVNV to XXXX as verification that the debt is mine, XXXX has failed each time to produce any documentation of the verification process they supposedly used to verify the debt. It should be my legal right to request documentation with a signature reflecting my authorization of the original account, as a matter of preventing identity theft.
If there is never legal documentation provided as verification, what do we have to prevent identity theft by unknown individuals or false claims of a debt by unscrupulous businesses within the United States.
If a business only needs to make the claim that a debt is owed then never has to produce signed documentation to verify the debt was authorized, it opens the door ( all United States Citizens ) to the potential of Identity Theft by unknown individuals or businesses not operating within the guidelines of Federal and State laws to unfair debt collection and Credit Reporting, it will force individuals into paying debts they never owed in order to attempt correcting the issue and getting a valuable credit score back.
I am not only filing this complaint with the CFPB, I am also filing a complaint with the Nebraska Attorney General and filing a complaint with the United States Attorney. I am also forwarding all responses from day one involving all complaints files, disputes files, etc. to our Senator and Congressman to bring attention to this matter and possibly start a change in the laws.
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| 04/07/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2021 I, consumer XXXX XXXX received a letter dated XX/XX/2021 from LVNV Funding LLC attempting to collect an alleged debt. I did not request for them to send me any mail to my home or place of work. I am highly concerned about the safety and integrity of my privacy and I am disputing this alleged debt from the mentioned debt collector in pursuant to 15 USC 1692g. I strongly believe LVNV Funding LLC is in violation of several federal laws including but not limited to 15 USC 6801. They did not have my permission to have any access to my personal information and the access they have does not bring any value to me as consumer. I have material evidence that shows where they violated the federal law and used misleading tactics to attempt to deceive me into paying this alleged debt. The communication I received from LVNV Funding LLC violates 15 USC 1692c and is highly inconvenient to my peace of mind and privacy to my abode and place work. LVNV Funding LLC also violated 15 USC 1692b ( 2 ) stating to me the consumer by mail that they are attempting to collect debt several times in the postcard. The postcard that was sent to my address by LVNV Funding LLC was also in violation of 15 USC 1692b ( 4 ). LVNV Funding LLC used a branded logo on the postcard that was sent in the mail to my address that indicated they were in fact in the debt collection business which violates 15 USC 1692b ( 5 ). The language that was used in the postcard sent from LVNV Funding LLC was obscene and profane and did not bring any value to me the consumer, and the language used in the contents threatens to harm my reputation which violates 15 USC 1692 ( d ) ( 1 ) and 15 USC 1692d ( 2 ). LVNV Funding LLC posted discounted advertisements in the contents of the postcard to coerce me into paying the alleged debt which violates 15 USC 1692d ( 4 ). LVNV Funding LLC showed a positive balance in the contents of the postcard that was allegedly owed on. I am not sure how or why anyone would pay on a positive balance. Therefore the debt collector is in violation of 15 USC 1692e ( a ) and 15 USC 1692e ( 10 ). In the contents of the postcard, there were several mentions of other persons named as the debt collector as well as LVNV Funding LLC. They are violating 15 USC 1692e ( 14 ) and 15 USC 1692f ( 8 ) with these actions. The fact this deceitful postcard was made by LVNV Funding LLC and sent to my abode and place of work violates 15 USC 1692j. It is fact that LVNV Funding LLC violated several federal laws against me the consumer and it is fact that LVNV Funding LLC has a civil liability under 15 USC 1692k ( 1 ) ( a ) to provide a remedy for the damages and inconveniences they have caused me.
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| 04/12/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been inquiring with LVNV Funding about a debt that I have no knowledge of. They sent me some payment details that Im still not aware of. I was desperate to fix my credit so I called the company on XX/XX/2023 stating that although I have no recollection of this account I would just settle it to get rid of it. They advised me of a 20 % discount and I advised them that there was absolutely no way I would pay that for something Im unaware of. I decided to complete the necessary steps to have thos debt taken care of no matter the time it takes. Below is my validation request from LVNV funding.
To Whom It May Concern : This is in response to the letter I received from your company in XX/XX/2023. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt.
The agreement bearing my signature stating that I have agreed to assume the debt.
A complete and correct social security number that may help identify me as the party you are collecting from.
A copy of the government issued Identification presented to incur this debt.
Valid copies of the debt agreement stating the amount of the debt and interest charges.
Proof that the Statute of Limitations has not expired.
Complete payment history on this account along with an accounting of all additional charges being assessed.
Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent.
A purchase agreement or assignment from the original creditor to your company.
Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor.
If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
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| 03/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
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Web |
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I stand before you today as a victim of the unethical and abusive practices of LVNV Funding LLC, a debt collection agency that has caused me immense pain and hardship.
Their tactics have gone beyond what is legal and ethical, and have caused me extreme stress and XXXX. They have called me repeatedly, sometimes multiple times a day, even after I have asked them to stop. They have used threatening language, and have even gone as far as to contact my employer, resulting in the loss of my job. I can not begin to express how devastating this experience has been for me and my family.
But the harassment didn't stop there. LVNV Funding LLC also called my landlord, my friends, and my family, asking them about me and my finances. They even called my manager and asked how much I was earning, which is an invasion of my privacy and a violation of my rights.
As a result of their constant calls and harassment, I lost my job, which has had a significant impact on my financial stability and well-being. I have struggled to pay my bills and provide for my family, and the stress and XXXX have taken a toll on my mental health.
In addition to the financial and emotional hardship, LVNV Funding LLC 's actions have strained my relationships with those closest to me. My landlord and friends have expressed frustration and concern over the constant calls, and my family has had to endure the stress and XXXX alongside me.
I am here today to speak out against LVNV Funding LLC 's abusive and illegal practices, and to demand that they be held accountable for the harm they have caused me and others like me. The emotional toll of their actions has been overwhelming, and it has taken a toll on my mental health and wellbeing.
I plan to file a complaint with the XXXX XXXX XXXX and will explore all legal avenues to seek restitution for the harm they have caused me. In addition, I will be contacting my state representative and state attorney 's office to bring their attention to the unethical practices of LVNV Funding LLC and to urge them to take action to protect consumers.
It is my hope that by speaking out about my experience, I can raise awareness about the abusive practices of debt collectors and prevent others from experiencing the same pain and hardship that I have endured.
I urge you all to join me in standing up against these illegal and unethical practices. Together, we can hold LVNV Funding LLC accountable for their actions and ensure that consumers are treated with the respect and dignity they deserve.
Thank you for your attention and for your support as I work to seek justice and hold LVNV Funding LLC accountable for the harm they have caused me and others.
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| 06/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Dear Official : I am the victim of a paired instance of criminal XXXX and identity theft, which was visited on me by the following entity. whose identifying information and other last known data are enumerated, severally : XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... .... Last known drivers license PA XXXX Date of Birth of XXXX XXXX ... ... ... .. Born XX/XX/XXXX Last known address for XXXX XXXX XXXX ... ... ... ... ... ... ... ... ... XXXX XXXX XXXX XXXX, XXXX PA XXXX United States Last known occupation for XXXX XXXX XXXX ... ... ... ... ... ... ... ... ... ..Reverend/Minister of Religion The act of identity theft was placed on my person by XXXX XXXX, a former Reverend of a former church in linked state of his former domicile address, in the area of XXXX Pennsylvania. Further note, the mode of operation for XXXX XXXX, was the unauthorised removal of a naturalization certificate ( U.S ), which attests to my privileges and protections as a United States Citizen.
Currently, this document and the whereabouts is critically required, as there are other attempts and actual instances of fraudulent credit card charges being made in my name. As proof a current creditor keeps sending mail to my daughters adress, an address which is not my home. Information for the creditor who it appears is making arbitrary attempts on my financial strength is enumerated severally : " ... .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX Current Creditor LVNV Funding LLC Original Creditor XXXX XXXX XXXX XXXX XXXX
Account Number -- -- -- -- XXXX Charge off Date XX/XX/XXXX Amount Due as Of Charge off -- -- -- {$690.00} Date first delinquent -- -- -- -- XX/XX/XXXX Other information linked to XXXX XXXX XXXX XXXX We have a limited amount of time before the above referenced account is recalled from us and reviewed by a current creditor for placement with a law firm. As of the date of this letter, you owe the outstanding balance of {$690.00}. If you pay {$690.00}, the above referenced account will be considered paid in full ... ... .....
XXXX XXXX Account Manager XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... '' Further Comments from complaining consumer below - I am disturbed that in the wake of my report to the Police in the state where the crime took place, that the perpetrator XXXX XXXX, is able to use my identity as he apparently has been doing. Therefore, if the need is there for the involvement of constabulary intervention, please freely do so, as my health and other forms of safety are being impacted.
Finally, thanks for considering all complaints and all the solutions your office and teams have presented to date.
|
| 11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Past Due : {$2000.00} XXXX XXXX I sent a letter to LVNV asking for Debt Verification for Accounts : XXXX XXXX XXXX XXXX XXXX XXXX I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with LVNV XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed XXXX XXXX and they did not respond.
XXXX XXXX who said they were representing LVNV said my Balance was {$500.00}. LVNV said to the Bureaus it was {$2000.00}. Neither, XXXX XXXX, LVNV LLC or XXXX XXXX or XXXX XXXX sent me a Debt Verification showing the Debt was mine.
I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX and XXXX XXXX for the Original Creditor XXXX XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX.
So now XXXX XXXX failed to verify to the Credit Bureaus and the XXXX XXXX account was removed off my Credit Report Completely.
But XXXX and XXXX XXXX are still allowing the Collection Agency LVNV LLC on my report even though they determined the XXXX XXXX the Original Credit was to be deleted.
I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX and XXXX XXXX for LVNV XXXX XXXX and LVNV XXXX XXXX on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX removed the LVNV XXXX XXXX and LVNV XXXX XXXX.
I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX and XXXX XXXX for the Original Creditor XXXX XXXX on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX removed XXXX XXXX LVNV LLC XXXX XXXX and XXXX XXXX have been removed and re added without me being notified in the proper Time frame.
All these accounts were not verified by proper investigations. XXXX XXXX or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that LVNV is asking from me and the {$2000.00} LVNV is telling the Bureaus.
More than one account collecting for same debt.
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.
|
| 01/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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XXXX Bless On XX/XX/XXXX, I appeared via XXXX in court with Judge XXXX XXXX The XXXX meeting started at XXXX XXXX with Judge XXXX XXXX, XXXX XXXX XXXX attorney for XXXX XXXX Co XXXX XXXX XXXX, who showed their faces. There were two other people on the XXXX meeting that I was not aware of under the screen names, XXXX XXXX XXXX. *They did not show their faces and their microphones were muted.
The Judge asked the attorney would she like to talk to me before proceeding, she stated yes and then he asked me, I stated, No. The asked if there is anything I would like to state, I advised that I believe the case should be dismissed due to the fact that I was improperly served, the person that lives there now was served where I do not reside and that after I found out and was actually served the woman did not indicate who she was or why I am being sued. The attorney stated that I did live there in XXXX when the account was created. I also stated due to reason number XXXX, due to the account numbers do not match from what the attorney has ending in XXXX vs what I have ending in XXXX. The attorney stated that account numbers changes all the time. I stated that I did not live at that address in over 3 years and that if the account numbers changed then I would have been notified. The judge asked if there is anything else. The attorney and myself stated, no. the judge ruled in the plaintiffs favor stated that I would need to pay for debt and court cost. the XXXX meeting ended at XXXX XXXX.
***The meeting ended so abruptly that I had to call up to the court to see in what favor the judge went with. The lady on the phone stated that I have XXXX days to appeal.
I went up there to get the appeal in person the reps, XXXX stated that this is not a court of record and that the XXXX calls were not recorded nor do they have transcripts.
Prior to this at the original trial the attorney had told me a judgement would be filed against me anyway and that he would file a continuance so I should negotiate a payment.I sent the court and the attorney a letter and the evidence stating I would like to enforce my rights based on the FCRA to be able to verify the debt especially since I was not notified of my account changing, I do not recognize the debt, and I stated at the prior trial I am disputing this debt. The court emailed me back saying they received it on XX/XX/XXXX as well as XX/XX/XXXX. The attorney received it on XX/XX/XXXX. To this day I have not received any paperwork or documents proving this debt is mine or that it was properly verified.
I can not afford the appeal fees and need guidance and help from you to reverse this incorrect judgement decision.
|
| 08/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
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Dear Collector : Please be advised I XXXX XXXX state this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger an action for damages brought by an individual consumer against LVNV., for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information.
Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX state that your claim is disputed, and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of all claims against myself, and your tacit agreement to compensate : XXXX XXXX for costs and attorney 's fees. If after careful review of this debt, you find you have no valid reason to further your interest with me, please delete any negative information you are reporting to the credit bureaus and send us written verification this account has been deleted and closed.
|
| 03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
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Greetings, I am writing this communication to demonstrate that XXXX, a credit reporting agency, continues to violate the FCRA along with the Florida Unfair and Deceptive Trade Practices Act.
XXXX XXXX firm on my behalf has communicated with XXXX on XX/XX/XXXX and to this day XXXX has not responded. See XXXX XXXX XXXX XXXX XXXX XXXX, 259 So. 3d 918 ( Fla. Dist. Ct. App. 2018 ) ( ( " We must presume that the Clerk performed his statutory duty, which was to mail the notice and certify thereto, or else certify that he had no addresses of record of the persons entitled to notice ; and we think it is just as reasonable to infer that the notice to the appellee XXXX was, in fact, mailed to him ( as in the case of the other tax deed holder, XXXX ) and that the record thereof became misplaced, as it is to infer that the Clerk completely ignored his statutory duty. To do otherwise under the particular circumstances here present would amount to an imputation of fraud against the XXXX this we will not do in the absence of more compelling evidence. '' ) XXXX XXXX did mail as the attachment has shown a requested response from XXXX, however, XXXX refuses to respond, Therefore, XXXX is violating various provisions of the FCRA and continue to allow information to stay on my report that is : 1. Identified as information being reported as fraudulent information that has been reported to the FTC as information identified as identity theft ( i.e. XXXX XXXX XXXX, Department of Education AFSA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) 2. Continue to report information that is and has been outdated for more than seven ( 7 ) years. ( i.e. XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven years ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; US Department of Education AFSA last date reported was XX/XX/XXXX which is more than seven ( 7 ) years of reporting ; XXXX XXXX XXXX XXXX last date reported was XX/XX/XXXX which is more that seven ( 7 ) years of reporting.
In addition I am requesting a credit freeze on my account as I am a victim of identity theft.
Please investigate my inquiry into why XXXX refuses to deal with the issue of my credit report just as they did in past legal cases involving XXXX which include ( XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX ). In both of those cases XXXX purposefully refused to remove information where both plaintiffs proved to be fraudulent in nature.
Thank you for looking into this inquiry and I look forward to hearing from you soon.
Sincerely, XXXX XXXX XXXX, XXXX.
|
| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws.
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) LVNV FUNDING ( XXXX XXXX ) SEE ATTACHMENT 2 ) XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.
Consent Decree Order, Section II.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
|
| 04/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
In XX/XX/XXXX, while trying to set up a utility bill I was informed of fraud security was in place due to a fraud alert and data breach. Ive been examining my credit reports prior to filing an identity theft affidavit to police and on XX/XX/XXXX I called LVN funding to request proof of debt. I explained my issue and said I was in the process of filing with police. They instructed me not to do that and then informed me I have a judgment filed with XXXX, XXXX and XXXX. After calling the law firm I was extremely confused to be told they served my mother by constable and she signed. I looked up my name on R.I.gov and u saw the date passed already and they were awarded a default judgment. XXXX, XXXX and XXXX told me they served my mother and she signed. but thats true because my mother works during the day and would have informed if she was served on my behalf. She confirmed she was not ever served, never signed and most likely wouldnt have opened the door if they did come. She would testify to that. I called XXXX back today and explained to them they didnt serve my mother and this debt is not valid. They told me its my responsibility and to figure it out. I am judgement proof a thus time and supporting my XXXX daughters alone. Im w victim of XXXX and lived in a XXXX XXXX shelter when they claim I was served at my address. For the last 48 hours Ive been educating myself on R.I. Debt collection laws, Fair debt collection practices, consumer rights and statue of limitations and LVN Funding LLC. Ive learned is this company is notorious for obtaining unlawful judgments by using methods that violate the FDCPA, FCRA protection laws. Theyve used false and deceptive means by failing to register with the state of R.I. as a debt collector. Theyre filing unfair and unconscious-able claims in Rhode Island that are time barred by Virginias limitations. They never responded to dispute by providing proof and they filed an illegal lawsuit against me knowing judgement would be defaulted. According to R.I. island debt collection law the defendant must be served in person without exception and that didnt happen. Im filing complaints against LVN Funding c/o Resurgent Capital Services to the RI AG Consumer Financial Protection Bureau, Federal Trade commission and XXXX. Id like to include XXXX XXXX for an additional collection for XXXX XXXX, but they have no yet filed a lawsuit. I want to file a counter suit against LVN funding and a file a suit against XXXX, XXXX and XXXX for violation of R.I. Debt collection Laws by not properly serving me legal court documents and using false documents to default judgment against me when I am legally judgment proof
|
| 07/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
As a federally protected consumer, I am highly disappointed and unsatisfied with Resurgent Capital Services. My name is XXXX XXXX and I am making this complaint against Resurgent Capital Services for committing identity theft. I have no recollection of authorizing or giving Resurgent Capital Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Resurgent Capital Services. As of XXXX XXXX, 2022, I have not received any documentary evidence, such as a trilateral contract, giving Resurgent Capital Services any right to collect on this alleged debt. I have also never received any documentation requesting validation from Resurgent Capital Services before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. Attached you will also find correspondence from XXXX XXXX XXXX, whom you chose to buy this alleged debt from, notifying me that I AM NOT RESPONSIBLE FOR THE ACCOUNT BECAUSE IT WAS A RESULT OF IDENTITY THEFT. SEE EXHIBIT A. If Resurgent Capital Services can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, this has been a fraudulently and unauthorized account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Resurgent Capital Services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If Resurgent Capital Services continues its collection efforts, I will file for arbitration and Resurgent Capital Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 07/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
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Web |
|
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I have previous complaints filed about XXXX XXXX Bank ( XXXX XXXX, XXXX ). The most recent ticket was XX/XX/2022. I just received a letter from XXXX XXXX Bank on yesterday, Wednesday, XX/XX/2022, that was dated XX/XX/2022, that my XXXX ( XXXX ) accounts balance had been sold to Resurgent Financial Services- the accounts had already been sold and I filed a complaint about the collection attempt from Resurgent Financial Services and I was never contacted in writing or by phone from Credit XXXX Bank XXXX my accounts being sold ( prior to Resurgent contacting me first ). I have filed a complaint because I had reached out to XXXX XXXX Bank to do a hardship as well as get the account balances resolved so the debt could be finalized. XXXX XXXX Bank continued to allow fees to mount, continued to state there could not be a finalized amount given, and ultimately sold the debt to Resurgent and then sent a letter after the fact. I did not get the opportunity to dispute the debt amount to have a plan discussed to resolve the balances. Secondly, the amounts that were sold to Resurgent Financial Services are not correct and include inflated charges and fees that XXXX XXXX did not resolve with me when a request was made to have the account balances resolved and closed. The XXXX XXXX XXXX in XXXX, Texas, did an investigation and stated that XXXX XXXX Bank stated they would not do a settlement to stop the fees or have the accounts closed nor would I be contacted by them except for legal reasons. I do believe that me not being notified in writing to dispute the debt amounts is a legal reason and being contacted about PRIOR to a debt being sold to a third-party company as well is a legal reason for contacting a consumer.
XXXX. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumers file at the time of the request except that if the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
|
| 03/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The Office of Registered Agent for XXXX XXXX XXXX From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXXY XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and ThXXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY.
By : XXXX XXXX
|
| 04/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
First let me state that I my information has been compromised by OPM Data Breach as well as XXXX Data Breach. I noticed a recent charge on my credit report initially from Resurgent, dba LVNV. Per CFPB Validation Notice Letter, a precise request, following CFPB guidelines, on XXXX XX/XX/XXXXXXXX to LVNV. Per CFBP Debt collection rules and Debt collection rights ; LVNV failed to follow CFPB guidelines and comply with FCRA and FDCPA " VALIDATION '' per the letters request, within the 30-day guideline XXXX XXXX ).
The company, Resurgent sent a noncompliant response, dated XXXX XXXX XXXX providing an " enclosed account summary which provides " verification of debt, '' NOT VALIDATION ( see attached ), not in compliance with FCRA nor FDCPA. LVNV/Resurgent failed to VALIDATE within the 30-day deadline. In addition to violating FCRA and FDCPA, LVNV/Resurgent requested " contact one of their Customer Service Representative . '' A debt Validation Notice was sent via certified mail to LVNV On XXXX XXXX XXXX, which Resurgent acknowledged receiving ( see attachment ) a copy of the letter on XXXX XXXX XXXX ; per certified documentation. However, LVNV in their written communication responded as Resurgent Capital Services & but are reporting to credit bureau as LVNV.
It appears that this company is practicing unscrupulous monopolizing practices and is unable to decide if they are LVNV or Resurgent Capital Services ; either way, it is illegal to report the same debt ( double dip ) as two separate companies. It's called " monopolization '' and under FTC regulations, it is violating 9-28.000 it's illegal. As such, I've also filed a complaint with DOJ with their documentation as well regarding debt reporting as two separate companies ; i.e. sending correspondences as Resurgent and reporting to credit bureau as LVNV on my credit report.
Again, Resurgent Capital/LVNV failed to comply with CFPB guidelines, FCRA nor FDCPA, Validation Notice Letter as set forth by US Congress .
Either way, LVNV/Resurgent failed to comply with the 30-day regulation by failing to validate the debt ( see attached Validation Notice Letter sent ) ; as such, failure to comply requires that Resurgent/LVNV must immediately remove/stop negatively reporting to all 3 credit bureaus.
Additionally, I had accounts with XXXX XXXX ( XXXX XXXX ) & paid my debt. I also called XXXX and spoke with a representative that stated I 'did not have an account that I owed at XXXX . ' When I asked if she could send me an email confirming it ; she stated I 'did n't need one b/c I didn't owe anything. ' I know the company records their messages and can listen to the message.
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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|
I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof.
They both just send me letters saying it has been verified. I sent these same issues to XXXX, and they have all been removed. XXXX and XXXX continue to play these games saying its been verified, or they update it with even more wrong information.
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports.
LVNV/XXXX XXXX XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it!
XXXX XXXX XXXX XXXX # XXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me or remove it!
XXXX XXXX XXXX XXXX XXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it!
XXXX XXXX XXXX Is missing payment history, shows inaccurate information and shows late XXXX days back-to-back months. Please provide physical proof this account belongs to me or remove it!
XXXX XXXX XXXX XXXX XXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back XXXX months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it!
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles!
XXXX XXXX XXXX # XXXX This account is missing payment information and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
|
| 08/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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SEE ATTACHMENTS!
LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Urgent : Cease Violations Immediately or Face Serious Consequences NOTICE TO : XXXX XXXX and XXXX XXXX, I am writing to inform you that enclosed within this correspondence, you will find essential documents that serve as clear proof and evidence of the serious violations of my consumer rights. These violations have been committed by LVNV FUNDING LLC, with the involvement of XXXX XXXX and XXXX XXXX, and are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act.
These documents stand as undeniable evidence that I have NEVER granted written consent or lawful authority for the sale, purchase, storage, maintenance, or transfer of my nonpublic personal financial information. Your actions have demonstrated a flagrant disregard for my rights and legal protections.
It is imperative that you review these documents meticulously and acknowledge the severity of the situation. The evidence at hand solidifies the fact that your organization 's actions are not only unlawful but also put you at risk of severe legal consequences under 18 USC 371, as previously indicated. This statute makes it clear that conspiring to commit offenses against the United States or its agencies, or to defraud them, carries the risk of substantial fines and imprisonment for up to five years for each involved party.
XXXX XXXX and XXXX XXXX must recognize that their involvement in these violations is not without consequences. Your organization 's actions have put you in a precarious legal position. Immediate corrective measures are necessary to mitigate these consequences.
In light of this compelling evidence, I reiterate my demand for the immediate cessation of all unauthorized activities concerning my personal financial information. The XXXX out of balances associated with the accounts in question and the expunging of references to these accounts from major credit reporting agencies are non-negotiable steps that you must take immediately.
I expect a written confirmation from you within 10 days regarding the actions you will be taking to rectify this situation. Failure to comply with these demands will leave me no option but to escalate my efforts to seek legal remedies for the violations and crimes committed against me.
This letter, along with the enclosed documentation, marks a pivotal moment. Your response and actions will determine the path ahead. I await your prompt acknowledgment and the steps you will be taking to address these violations.
Regards, XXXX
|
| 04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
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Web |
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1. I WENT ON XXXX XXXX XXXX TO OPEN UP AN ACCOUNT, WHICH EVERYTHING WAS OKAY AND OPENED.
2. MY ACCOUNT WEN INTO COLLECTIONS.
3. XXXX XXXX SOLD MY ACCOUNT TO XXXX XXXX XXXX .
4. ON MY CREDIT REPORT IT HAS BEEN CLOSED THROUGH XXXX XXXX.
5. IM TRYING TO PAY IT OFF WHICH NOW I WOULD LIKE IT REMOVED DUE TO WHEN I CALL THE NEW OWNERS WHICH IS LVNV FUNDING MANAGEMENT, THEY DONT SEE THAT ACCOUNT I AM SPEAKING FOR BUT ONLINE ON RESURGENT CAPITAL SERVICES IT SHOWS I HAVE 2 ACCOUNT UNDER MY SOCIAL BUT WHEN SOMEONE ELSE NAME WHICH HE IS MY HUSBAND.
6. I CALLED THEM TO INQUIRE WHY HIS ACCOUNTS ARE SHOWING UP UNDER MY SOCIAL BUT ARE NOT SHOWING UP UNDER HIS SOCIAL. THERE RESPONSE WAS TO CALL XXXX XXXX AND FIND OUT WHO HAS THOSE ACCOUNTS. XXXX XXXX RESPONDED WITH THE NUMBER TO XXXX XXXX XXXX.
7. XXXX XXXX XXXX RESPONDED STATING THEY DON'T HAVE THAT ACCOUNT ON FILE.
8. MY QUESTION IS WHERE IS THIS ACCOUNT, AND I WOULD LIKE FOR IT TO BE REMOVED FROM MY CREDIT.
XXXX XXXX PHONE NUMBER I CALLED WAS XXXX XXXX XXXX XXXX NUMBER I WAS TOLD TO CALL XXXX LVNV FUNDING LLC PHONE ON XXXX IS XXXX RESURGENT CAPITAL SERVICES WHERE THE PORTAL SHOWS THE ACCOUNTS AND BALANCE AND WHERE TO PAY IS XXXX ( I SPOKE TO THEM AND THEY COULD NOT GIVE ME ANT INFORMATION TO WHY ITS APPEARS TO COME UP IN MY SOCIAL BUT NOT RECORDS OF IT ON MY HUSBANDS SOCIAL. THEY REFEREED ME TO XXXX XXXX WHICH REFERRED MY TO XXXX XXXX XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PORTAL.RESURGENT.COM ( WHAT COMES UP WITH MY SOCIAL ) Resurgent ID : XXXX Account Number ( Last 4 ) : ... XXXX Owner : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX.
Origination Date:XXXX Charge Off Date:XXXX Charge Off Balance : {$1100.00} Charge Off Creditor : XXXX XXXX XXXX XXXX.
Servicer : XXXX XXXX XXXX, XXXX XXXX Phone:XXXX Customer Information Primary Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Information Resurgent ID : XXXX Account Number ( Last 4 ) : ... XXXX Owner : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX.
Origination Date:XXXX Charge Off Date:XXXX Charge Off Balance : {$880.00} Charge Off Creditor : XXXX XXXX XXXX, XXXX.
Servicer : XXXX XXXX Phone:XXXX Customer Information Primary Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX BOTTOM LINE NO ONE WAS ABLE TO FIND ANYTHING OR HELP.
|
| 01/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXXLVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX Subject : COLLECTION/LATE PAYMENT RE : Partial Account Number : XXXX.
To whom it may concern, I am aware that the FCRA allows for creditors and debt collectors to report to the Consumer Reporting Agencies however these reports have to be compliant and accurate at all times. My concern with the above mentioned account is this. It is reported on my consumer report that this alleged debt is in collections. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that XXXX/LVNV FUNDING will be putting a negative remark on my consumer report.
Also, based on the Fair Credit Billing Act, XXXX/LVNV FUNDING failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details.
Again, according to the FCRA, all creditors and debt collectors MUST be compliant and accurate when reporting and I feel that XXXX/LVNV FUNDING failed in doing so.This account is inaccurate and XXXX/LVNV FUNDING had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, RESURGENT/XXXX XXXX is in violation of certain codes equating to {$1000.00} per violation.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.
Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report.
SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, TX XXXX Without ill-will or animosity, XXXX : XXXX XXXX Beneficiary Christian man, in XXXX XXXX XXXXXXXX XXXX With Prejudice
|
| 07/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had two times with this company once in Fall of XXXX and once in XXXX of XXXX for two different accounts, who never sent me notices via USPS mail that I had a bill they were sending to a lawyers office in Illinois to serve me with legal documents and sue me to pay for a very old debt that was old. They are debt buyers who are known for being sued for their debt buying practices here in Illinois and in various other states for sidestepping the rules btw. I had no notification from them at all in regards to this old debt. I got no summons from the courts. I got no notification from the lawyers offices except a single piece of paper that arrived after the court date letting me know that it was being set and that I had to show up. It wasn't sent in the proper state law required certified, signature needed envelope or with all of the documentation needed for a court summons from a lawyer in regards to a debtor court hearing. It literally was just a single piece of paper about the court date, which mind you had already passed. This was AFTER they had already started taking money out of my paychecks. I had to reach out to my corporate offices ( who also didn't tell me about this happening ) to find out who was garnishing my wages, what it was for and how much and why. When I got that paperwork, it still didn't tell me the original creditor or give me documentation or copies of the bills. It just had the name of the debt buyer and the amount owed plus court costs.
The name of this Debt Buyer is LVNV Funding LLC, they also own several other companies, who also show up on m Credit Report, such as Resurgent XXXX They have several complaints against them and very many lawsuits. Unfortunately we can not afford to sue them for this. They currently are taking TWO garnishments from my check and finished one already in XXXX. Had I known I could report them here, I would have done this much sooner!!!!
LVNV Funding LLC is a debt collection agency. According to the Florida Division of Corporations, XXXX XXXX 's principal address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Nevada XXXX XXXX The Consumer Financial Protection Bureau complaint database reflects XXXX complaints ( as of XX/XX/XXXX with a 3 year lookback ).
We need to stop this company, any help would be greatly appreciated since they are going against the law in Illinois to buyout debt and chase after people who can't afford to pay their bills and doing illegal garnishments without properly notifying the debtors, putting them in worse situations than they were to begin with ( we almost lost our rental house and couldn't afford food or gas to work ).
|
| 05/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in viola tion of 15 U.S.C. 1681. You are requ ired under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX Law Dictionary, XXXX XXXX , 2009 , defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, tru th or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed b y 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Secti on 611 ( 5 ) ( A ) of the FC RA you are required to promptly DELETE all information which can not be verified.
|
| 02/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
It has come to my attention that I, XXXX XXXX XXXX, a natural person, pursuant to 15 usc 1602e am fully aware that there is evidence of Resurgent Capitol Services ( LVNV Funding ) illegally attempting to collect an alleged debt! and has violated my federally protected consumer rights to privacy and confidentiality Resurgent Capitol Services ( LVNV Funding ) is in Violation of FDCPA Title 15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt!
( I Never gave you permission to contact me ) Pursuant to 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( You Have Not Validated This Alleged Debt, Partial Information is unacceptable ) I did not grant Resurgent Capitol Services ( LVNV Funding ) permissible purpose to obtain my personal & private information, So they also have committed identity theft, Pursuant to 15 USC 1681a ( q ) ( 3 ) : The term identity theft means a fraud committed using the identifying information of another person.
I have sustained emotional and psychological damages because of Resurgent Capitol Services ( LVNV Funding ) unfair and deceptive practices, and willful disregard of my privacy and its reporting has damaged my character.
|
| 10/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/20 I sent correspondence to Resurgent Capital Services stating that I was a victim of identity theft ( XXXX Theft Letter to a Debt Collector_Resurgent Capital Services ).
The letter was sent Certified Mail Return Receipt, and was in Resurgent Capital Services possession as of XX/XX/20 ( XXXX Receipt_Resurgent Capital Services_item mailed XXXX ).
The letter explained to Resurgent Capital Services, that I am a victim of identity theft. In addition, the letter informed Resurgent Capital Services responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks.
Resurgent Capital Services was asked to provide me with the records I requested ( XXXX Theft Letter to a Debt Collector_Resurgent Capital Services ).
XXXX, Resurgent Capital Services was in receipt of this request on XXXX/XXXX/20. The 30-day deadline for me receiving the required documents has passed as of XXXX/XXXX/20.
Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim.
The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( XXXX ). Each guidance document states that businesses must provide records directly to victims upon request.
It appears that Resurgent Capital Services failure to provide the requested documentation does not comply with the requirements of the FCRA. Therefore, please provide me with copies of the application for the account and the transaction records concerning this fraudulent debt. Relevant documents should include, but are not limited to, the following types of records : Application records or screen prints of Internet/phone applications Billing statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Signatures on applications and accounts Any other documents or records associated with the account Again, since I have not received these records, I believe your company is in willful violation of FCRA Section 609 ( e ) 15 U.S.C. 1681g ( e ).
If you believe you are not required to provide any part of the documentation requested in this letter, please provide me with a written explanation of your position within 14 days of the date of this complaint.
|
| 09/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My husband and I PCSd from XXXX to North Carolina in XX/XX/XXXX. We were both XXXX XXXX military at this point. I could not get a decent internet provider at our rental location so I called XXXX and asked if there internet was compatible with high speed streaming, playing video games etc. They said yes, so I proceeded with their service. Once we got service started up there was constant outages and very very slow speeds. I called and they told me I was on a plan that had a high speed data cap and after I used the high speed data we went to slower speeds. I was not aware of this when I signed the agreement and the internet was not compatible with video gaming as well. I called multiple times and after about XXXX months I decided to cancel service because my husband had got orders to skill bridge and we would be moving closer to my duty station. We moved shortly after and internet was provided through our rental agreement at our new location so we couldnt transfer our plan either. Sometime in the beginning of XXXX trueaccord, a debt collection agency, reached out stating I had a debt of {$480.00} and some change. I cant recall the exact number. I disputed the debt and never heard back. They are charging XXXX for not returning the equipment, and the rest is a charge for every month left on the contract. We have now PCSd to Florida and Resurgent, another debt collector, is now trying to collect on the debt. They reached out approximately in XXXX of XXXX. I have disputed it by sending proof of my husbands military orders, along with an XXXX XXXX memorandum for proof of my service and told them we are covered by XXXX and they will not dispute it. They constantly have issues finding my account. They argue with me saying XXXX only covers student loan interest rates. I have had someone from military legal reach out on my behalf and explain but now theyre saying they can not find any of the documentation I have sent in. I also returned the XXXX equipment through the box the equipment was sent to us in shortly after canceling service. Theyre requesting proof that we went it in but this has been two years ago so I dont have any type of documentation for that proof. I called XXXX months ago requesting my contract and they would not provide it to me. They sent me to viasat legal where they had an overall page of legal documents. I called again last week and after asking to speak to someone else they said they could send my contract to me in XXXX business days. I got my contract emailed to me XXXX business days later and have sent it to my lawyer for them to look over. I truly appreciate any help you can provide.
|
| 12/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I'm filing a complaint against the collection agency Resurgent Capital Services. They are one of the collection agencies that the credit card company XXXX XXXX uses to collect on delinquent accounts. The account became delinquent by me in the Fall of XXXX, which was a very bad year for me financially. About 2 years ago I was able to start working on paying this debt off with Resurgent Capital Services. The payment was {$25.00} a month due on the XXXX of the month, with funds being drawn directly from my bank account. Everything was going well I thought until I was notified by XXXX Credit Bureau in XXXX of this year that an account was in collection against me for {$880.00}, from a company by the name of Cach LLC, and that the account had been opened with this company in XX/XX/XXXX. No additional information was given about this company. I contacted XXXX and informed them I was disputing this collection item. They filed my dispute and did an investigation. They sent me a letter of the results of their investigation in XXXX of this year. The letter stated the account was mine and they gave me the name of the company Resurgent Capital Services, as the collection agency. The delinquent account had been placed with the agency in XX/XX/XXXX and that the last payment received was {$25.00} on XX/XX/XXXX. I also was given their address of XXXX XXXX XXXX, XXXX, SC XXXX and their phone number of XXXX. I never received any mail or a phone call from this collection agency informing me of any issues with payments. I did call the collection agency and they informed me their third party company, ( I was not given a name ), had sent the account back to them but had never gave them a reason why the third party company had stopped collecting payments. Resurgent Capital Services further informed me that when I originally set up payments it was with their third party company and not them. I then asked why I never received any mail or a phone call informing of a problem. Resurgent stated they or their third party companies don't usually call or send letters when there is a problem. I then asked how do I get back to paying on the delinquent account. Resurgent then stated they had already assigned my account to another third party company. I stated I didn't want to work with another third party company again. Finally I was able to set up a monthly payment of {$25.00}, directly with Resurgent Capital Services and have paid my XXXX payment already. My complaint with Resurgent Capital Services, is the way they handle my account and now I have a negative mark on my credit reports that they have made and will not remove.
|
| 11/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On or about XX/XX/2022 I received a letter via mail from Resurgent Capital Services a debt collector company. Upon receiving this letter I notice that this company was trying to collect on a debt and several of my rights were violated. Pursuant to 15 USC 1692g ( 3 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. A statement was not sent in the mail with the letter. Also, when the mail was received there was a symbol on the letter which is also a violation pursuant to 15 USC 1692f ( 8 ) using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Also, I have never gave Resurgent Capital Services permission to contact me. Pursuant to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Furthermore, there were many unauthorized phone calls, text messages, and emails sent to my telephone regarding this matter that I did not consent to. Pursuant to 15 USC 1692d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violations for {$9000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$9000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$9000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, XXXX XXXX XXXX : CFPB via fax ( XXXX ) XXXX
|
| 05/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to file a formal complaint against LVNV Funding, LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : LVNV Funding, LLC acquired a debt from the original creditor, XXXXXXXX XXXX, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent.
2. Failure to Provide Verification of Debt : On XX/XX/, I sent a written request to LVNV Funding, LLC, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA.
3. Ignoring Cease and Desist Instruction : In my previous correspondence with LVNV Funding, LLC, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA.
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of LVNV Funding, LLC to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA.
2. Cease Collection Efforts : I demand that LVNV Funding, LLC immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA.
3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that LVNV Funding, LLC rectifies their violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA.
Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
|
| 10/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CFPB, RE : XXXX XXXX XXXX XXXX XXXX XX/XX/2023, to the Consumer Financial Protection Bureau in response to complaint # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX state : Thank you for the opportunity to respond to complaint number XXXX of XXXX XXXX. XXXX and XXXX XXXX XXXX did not threaten legal action against XXXX XXXX and does not report to the credit bureaus. Admitting no wrong doing, XXXX and XXXX XXXX XXXX XXXX has closed this account and returned it to our client. XXXX XXXX will not be hearing from XXXX and XXXX again regarding this account. XXXX and XXXX XXXX XXXX XXXX XXXX
Such typos and inconsistencies alone are indicative of the business practices of Take & /and Kirlin and Associates ( LVNV FUNDING LLC XXXX XXXX XXXX XXXX et al ).
XX/XX/2023, and XX/XX/2023, Pages 2 of letters sent via USPS from XXXX XXXX XXXX XXXX XXXX XXXX state : The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV FUNDING LLC can not sue you for it. If you do not pay the debt, LVNV FUNDING LLC may report or continue to report it to the credit reporting agencies as unpaid.
Despite Admitting no wrong doing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX did not threaten legal action... and does not report to the credit bureaus.
yet LVNV FUNDING LLC may report or continue to report it to the credit reporting agencies as unpaid.
As such, apparently, XXXX XXXX XXXX XXXX XXXX XXXX choose to ignore Page 2 of their own letters.
Premeditated and/or actual slander, libel, and defamation of character are legal actions intended to damage credit worthiness and economic standing whether or not a court of law is involved.
Unlike the CFPB, XXXX XXXX does not recognize nor distinguish differences between multiple companies represented on the same letterhead issuing suggestions of legal actions such as reports to credit reporting agencies/bureaus sent through the United States Postal Service .
Also unlike the CFPB, XXXX XXXX does not condone, support, or dismiss perjury to Federal institutions ( 18 U.S.C. 1001 ) such as the CFPB, despite the assumptions, actions, and crumbling integrity of businesses in the United States of America.
Get these perjurous panhandling frauds out of the Peoples inboxes.
XXXX -- Vi XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
|
| 02/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTIONION : IN RESPONSE TO CFPB : XXXX Whom It May Concern : According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Alleged Name and Address of Creditor 1. Name on File of Alleged Debtor : 2. Alleged Account # : 3. Amount of alleged debt : 4. Date that this alleged debt became/becomes payable : 5. Date of original charge off or delinquency : 6. Amount paid if debt was purchased : 7. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
8. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
9. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 10. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.
Awaiting your reply in a timely manner.
Sincerely, XXXX, XXXX
|
| 05/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to file a formal complaint against XXXX XXXX, XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : XXXX XXXX XXXXXXXX acquired a debt from the original creditor, Synchrony Bank, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent.
2. Failure to Provide Verification of Debt : On XX/XX/, I sent a written request to XXXX XXXX XXXX requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA.
3. Ignoring Cease and Desist Instruction : In my previous correspondence with XXXX XXXX XXXX, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA.
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX, XXXX to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA.
2. Cease Collection Efforts : I demand that XXXX XXXX, XXXX immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA.
3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that XXXX XXXX XXXXXXXX rectifies their violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA.
Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
|
| 07/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
LVNV funding LLC brought my information from XXXX XXXX XXXX. I spoke to lvnv and ask them how did they get a hold of my information the representative told me it was through XXXX XXXX XXXX I told him I did not sign any paperwork for them to have my information or give them any verbal yes for them to have a hold of my information however I did not do business with LVNV they are a third party when I asked a representative how did they get this information I was told they brought it from XXXX XXXX XXXX however I did not get any paperwork from XXXX XXXX XXXX or in phone call asking me is it okay to give my information to a third party there was no opt-out paperwork and according to the law before you can give someone information out to a third party there needs to be paperwork with the individual consent giving them the okay to give their information to a third party or verbal agreement there was no such agreement which according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This requirement was not met and also according to and it's also against the law for someone to buy a debt the original debt collector so as a result of this I need LVNV funding LLC to give the debt back to the original creditor because by law they are committing fraud and identity theft by putting this information on my report and I do not have a contract with this company nor do I know this company so as a result of this I am asking them to remove this before I take further actions
|
| 08/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This is a complaint against XXXX XXXX, XXXX ( previous known as XXXX, XXXX, XXXX XXXX, XXXX ) that practices business at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX, XXXX is representing XXXX XXXX ( Resurgent Capital Services, LP ) doing business at the following address : XXXX XXXX XXXXXXXX, XXXX, SC XXXX This law firm is being reported for a violation of section 808.8 of the Fair Debt Collection Practices act.
XXXX, XXXX XXXX has been filing legal documents in the XXXX County Circuit Court using the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, OR XXXX This address is for a XXXXXXXX XXXX located in XXXX and doesn't reflect any physical address the is used by the law firm to practice or conduct from.
Since the debt collector has misrepresented themselves on legal documents at an address that doesn't reflect a location where XXXX XXXX, XXXX practices law and doesn't reflect the address used when filing business forms with the State of Oregon, Secretary of State, this scenario could make it difficult for XXXX XXXX, XXXX to follow garnishment proceedings with publicly traded companies such as XXXX since garnish paperwork served doesn't not reflect the correct address where the law firm is currently residing in the state of Oregon or their own home office as section 808.8 implies.
As a result, these collection practices appear deceptive to the consumer as well as a lack of accountability on how the law firm has chosen to practice law in the state of Oregon that could lead to being reported to the US Postal Service for mail fraud and the possibility of wire fraud charges, at the federal level, since there is no indication the the garnishment is correctly being applied to XXXX XXXX ( Resurgent Capital Services, LP ) simply going by the work of XXXX XXXX, XXXX at this time.
While XXXX XXXX ( Resurgent Capital Services, LP ) has indicated in phone conversation that they have been for the debt, that is only based on a telephone call and not in writing.
Lawyers for XXXX XXXX, XXXX have been reported to the Oregon Bar Association for misrepresentation since neither attorney ( Mr. XXXX XXXX XXXX and/or XXXX XXXX XXXX ) has been actively practising law in the state of Oregon through an office within the state of Oregon ( based on their own Linked In social media profiles ).
Mr. XXXX has represented himself in a hearings based on a XXXX conversation ( via voice ). In addition, the physical office reported on documents with the state of Oregon, reflect an inactive office space.
|
| 07/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.
I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.
Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
|
| 07/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am writing to file a formal complaint regarding LVNV FUNDING LLC 's placement of a collection on my XXXX and XXXX credit reports without any prior contact. It was not until XX/XX/2023, that I became aware of this collection, as I had no prior knowledge or communication from LVNV FUNDING LLC.
Upon reviewing my XXXX and XXXX credit reports on XX/XX/2023 ], I discovered the presence of a collection account placed by LVNV FUNDING LLC. This collection account came as a complete surprise to me, as I have not received any correspondence, notification, or communication from LVNV FUNDING LLC regarding this alleged debt. I have no knowledge of any business or financial transactions with LVNV FUNDING LLC.
Placing a collection on my credit reports without any prior contact not only violates standard debt collection practices but also potentially harms my creditworthiness and financial well-being. It is crucial to address this issue promptly to ensure the accuracy and integrity of my credit reports.
I kindly request the Consumer Financial Protection Bureau 's intervention and assistance in this matter. I urge you to investigate the actions of LVNV FUNDING LLC, ensuring compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Specifically, I request that you : Verify the legitimacy and accuracy of the collection account placed by LVNV FUNDING LLC on my XXXX and XXXX credit reports.
Determine whether LVNV FUNDING LLC has complied with the necessary requirements for debt collection, including providing proper notification and validation of the alleged debt.
Take appropriate action to rectify any potential violations or inaccuracies related to this collection account.
Ensure that LVNV FUNDING LLC ceases any further reporting or collection activities related to this alleged debt until the matter is fully investigated and resolved.
I have enclosed copies of my XXXX and XXXX XXXX reports reflecting the reported collection account from LVNV FUNDING LLC. Additionally, any supporting documentation regarding my attempts to contact LVNV FUNDING LLC or request validation of the alleged debt is also included for your reference.
I kindly request that you keep me informed of the progress of this complaint and provide updates on any actions taken or resolutions reached.
I appreciate your immediate attention to this matter. Your efforts in protecting consumer rights and ensuring fair and ethical debt collection practices are greatly valued.
Thank you for your assistance.
Sincerely, XXXX XXXX
|
| 02/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
RE : DISPUTE : LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX ID : XXXX Previous Balance : {$680.00} Account : XXXX account XXXX To whom it may concern : I am writing this letter to DISPUTE : LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX I have called LVNV Funding LLC and spoke with XXXX XXXX at XXXX at XXXX on XX/XX/XXXX to make a settlement offer with good faith to close this account. After speaking with XXXX XXXX of my financial situation she agreed to accept the amount of {$400.00} as a full balance of the account and in addition agreed to delete the account on my credit reports. She also stated in approx. 14 days I will receive a letter confirmation that the account was settled and within 30 days the account will be delete it from all credit reports. After two weeks I received a letter dated on XX/XX/XXXX received on XX/XX/XXXX with the full balance of {$680.00}.
I have sent a letter via fax on XX/XX/XXXX letting them know that this account has been settled and that I am still waiting for the letter. I have also let them know that this balance of {$680.00} should be an error.
Today I checked my credit report in my XXXX account ( Through XXXX ) and LVNV Funding LLC is back reflecting with a balance of {$280.00}.
I felt defrauded and scammed. They lied to me. I want to make a complaint and make a report these fraudulent practices they have done to me and who knows how many people out there looking for a relief like me in these difficult times when through something like this. They did not keep they're word by sending me a letter that this account has been settled and delete this account as we agreed over the phone.
Please see proof of email payment for the amount of {$400.00} confirming the day, time that this account was PAID and was processed when I was negotiating with them. In addition to the letter letting them know that I'm still waiting from them a letter confirmation that this account has been settled by agreement. There information is not accurate and is actually a violation of the FTC. This account should not be reflecting on my credit report as they agreed to delete the account and accept the payment of {$400.00} as a full balance payment but they did not keep the promise as agreed. In the top of this I am unemployed and they knew it.
This account should be delete it on all of my credit report and I want a letter via mail with the agreement that this account is settled for the amount of {$400.00} as they agreed and that the account have been deleted from all credit reports.
I appreciate it all your help on this.
|
| 05/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Original Creditor : XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with XXXX XXXX XXXX XXXX This debt is not mine.
In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX XXXX that the debt is the result of identity theft.
I Never opened a credit card with XXXXXXXX XXXX, and never will. My personal information was used to obtain credit in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter.
Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft.
Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies.
Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX : I have attached to following documents FCRA 615 ( g ) ( 2 ) FTC Notice to Furnishers of Information FTC Identity Theft Report Police Report ( Pending Deputy Signature )
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Hi, I was a client of XXXX XXXX XXXX. I paid off a negotiated debt to XXXX XXXX with my final payment being made on XXXX. The XXXX XXXX XXXX website shows that my debt is cleared and that I graduated their program. Shortly after that I received a letter from a company called Resurgent Acquitions saying I owed them the full amout of that debt.I contacted XXXX XXXX XXXX and they told me it was fine, and would adjust in the next few days. It didn't. I called the number on the collection letter. They looked up my account and provided me with a Paid in Full Letter. I'm currently trying to get a good interest rate on a mortgage loan. I submitted the XXXX XXXX Paid in Full letter to my lender. They have a Rapid Rescore Department and are willing to work with me. The Rapid Rescore Department said they could not accept the Paid in Full letter because it's from Credit Control and not Resurgent Acquisitions LVNV. Resurgent Acquisitions is the company that reported a collection to the credit bureaus. The Credit Control letter was signed by a collections supervisor and I can provide his name and also the Paid in Full letter. I called Resurgent Acquisitons. They said I owed the money and asked who was the company saying it was paid. When I told them XXXX XXXX, I was informed that XXXX XXXX is one of their companies. They said they would contact them and if they showed that I paid the debt, they would provide a Paid in Full letter and also remove the collection from my credit report. Since then I received another letter from Resurgent Acquisitons saying I now have to pay more, and the new bill exceeds {$1800.00}, This is almost {$600.00} more than what they originally said I owed in XXXX. I have since called them numerous times and was elevated to a manager on three separate occasions. The managers, first name only, and I can provide those first names, always say they will be able to resolve the issue in 72 hours and will get back to me. They say they can't call XXXX XXXX about it, even though XXXX XXXX is their company. They said they have a process and I need to wait. I have never heard of XXXX XXXX or Resurgent Acquistions prior to this. I called XXXX XXXX XXXX again to see if they would help me. I was told that I have a letter from XXXX XXXX saying the debt was paid and that's as far as their obligation to me goes. In the meantime, I'm trying to close on a house. I will have to pay a higher interest rate if this can't be fixed. Houses are so expensive and any decrease in an interest rate is important. I hope you can help me. THank you.
|
| 08/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hi, i actually was just on the phone with the LVNV because I paid off this account and they stated that they will removed it, but I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent 5 letters and I'm not getting any help with my credit reports.
I am having a few problems with XXXX because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and XXXX is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX.
# 1 Problem with XXXX is I sent a letter to XXXX on XX/XX/XXXX asking them to remove someone else name and date of birth from my credit report and they did not delete the incorrect names or birthdays. I sent my driver 's license and utility bill so they can correct my name, birthday and address and XXXX FAILED to make the corrections. My credit report dated XX/XX/XXXX is attached still showing someone else name, birthday and addresses on my credit report. I want this deleted right away! XXXX has no excuse to have somebody else information on my credit report.
# 2 Problem with XXXX is On XX/XX/XXXX I sent XXXX a letter and a copy of my credit report with my driver 's license again because someone else accounts are on my credit report. XXXX claimed they verified this but it's impossible because I know for a fact the account not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit 4 times and I never been to XXXX XXXX of Wisconsin. I also wrote to XXXX and XXXX XXXX because this account also belongs to someone else and XXXX and XXXX is still ignoring me.
# 3 Problem with XXXX is 2 Collection accounts LVNV FUNDING XXXX is showing 120 days late. LVNV FUNDING XXXX also showing 120 days late on my credit report. I wrote to XXXX and asked them to delete this and again, my letter was ignored. I wrote to the collection agency also and asked who the original creditor is and how are they reporting a collection account 120 days late because I know I read something that said a collection account cant be reported late on a credit report because thats against the law but XXXX and LVNFUNDG ignored my letters. My credit report is still showing this collection account as late.
# 4 Problem with XXXX is that I sent XXXX another letter on XX/XX/XXXX about the accounts still being on my credit report after I provided proof that the accounts couldnt be verified accurately and my letters keep getting ignored. XXXX did not respond to my letter and none of these collection companies responded to my letters.
|
| 07/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Resurgent Receivables LLC elicited a company by the name of XXXX XXXX XXXX XXXX to attempt to collect a debt from me that I do not owe them.
XXXX XXXX XXXX sent correspondence to me dated XX/XX/2022 that I received in the mail today XX/XX/2022. The correspondence states that Resurgent Receivables LLC is the creditor of the account. And that I owe them money. This is false, misleading, and deceptive statement. I do not and have not ever entered into a credit contract with Resurgent Receivables LLC for any debts.
They are not the original credit of the debt they are attempting to collect, and the laws are very clear about Collection Agencies dealing in false, misleading and deceptive practices.
In addition to their false claims about being the alleged creditor, they sent XXXX XXXX XXXX after me to collect on their behalf.
To add insult to injury, XXXX XXXX XXXX is in violation of North Carolina General Statute 58-70-01 which prohibits them from practicing debt collection in North Carolina without filing a surety bond with the North Carolina XXXX of XXXX 's office. In addition to their violation of NC General Statute 58-70-01, they are also in violation of North Carolina General Statute 58-70-50 which requires them to place their permit number showing that they have a registered surety bond on file on any correspondence they send me.
XXXX XXXX XXXX 's correspondence dated XX/XX/2022 has no such permit number on it. Under North Carolina law " a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony ''.
I am DEMANDING that Resurgent Receivables LLC delete their inaccurate, un-validated collections from all consumer reporting agencies under my social security number. I am also requesting that they cancel the alleged debts, and cease from selling the debts due to their violation of Federal law that states that " debt collectors are prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt '' which they have clearly done.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA.
If they do not delete the negative tradelines they are reporting under my social security number, I will be seeking all legal remedies afforded to me by law and will have to appear in a venue local to me to defend themselves.
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| 02/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, Perhaps I am too wordy when i write and that is what takes you off point so let me be direct.
On the three XXXX cards. 1 out of the three is 23 years old and you have been trying to collect on this. It is a 23 year year old identity theft credit card and you are still trying to collect on this up until last XXXX Why?? The other two XXXX are almost as old and you were trying to collect on them up until XX/XX/XXXX. Back in XXXX XXXX XXXX and I spoke and she was sent a letter sent to her, the FTC Affidavit and the XXXXPD report. So you knew that this was identity theft .Yet you continued to report me like I was some deadbeat. You knew I owed no money on these cards yet you continued to try and collect on them until XXXX of XXXX. Your company has never reported anything correctly keeping the damages rolling forward and growing larger. You have caused cumulative damages by the way you have reported me and yes there were double reporting on the same card in the same year.
How are you going to fix this??
Next is LVNV XXXX XXXX.
Please tell me how you are collecting on a credit card that is not mine? You are collecting on a credit card ending in XXXX. My credit card arrived and was activated in XXXX. By XXXX my card was cancelled you can see this on the statements I have sent. So again my question is how can you collect on a card XXXX and then switch to XXXX? And no matter how XXXX tries to explain it, it makes no sense. I am not the owner of XXXX. any charges related to XXXX are the person who owns this card go find them its not mine. My card XXXX arrives and is activated in XXXX. New cards come with a XXXX balance last I checked. Mine arrives and the balance from XXXX and all the late charges and fees are dumped onto my card. SO my XXXX never has a XXXX balance ; it arrives with charges. I don't use it and never charged a XXXX to this card so it should have remained a XXXX balance. And the card is shut down in less than 4 weeks. XXXX says but the company made these adjustments '' yes but that never got my card that I owned for a month down to a XXXX balance and the company continued to smash our cards together so it's a mess I agree with you there but look at the statements and it becomes very clear that a mistake was made and I owe nothing. But once again you report me as a deadbeat you call harass, phone the neighbors are very difficult to deal with. I don't know if you just don't want to be wrong? I am not sure what LVNV Resurgents issues are but me being in this mess is not a place I care to be
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| 03/06/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX XXXX To Whom It May Concern : This letter is regarding account # XXXX XXXX, which you claim i owe you.
This is a formal notice that your claim is disputed. I have tried contacting your company and the address provided is a incorrect address. i am attaching the return mail to prove that this is inaccurate and false reporting on my credit. please remove thin incorrect inquiry as soon as possible as this is hurting me to obtain credit. i really hope we can remedy this as soon as possible. im keeping careful records of all communication with your company. depending on your response i will file a small claim court in my local county were you will have to attend. i have proof this is an identify fraud as my identity was stolen and i filed a police report.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX
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| 06/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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H LVNV FUNDING/RESURGENT CAPITAL ; wasn't there several lawsuit about this before??? Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 05/08/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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LVNV FUNDING is reporting to the major credit bureaus that i owe this debt to them. They also operate under several other companies which one of them is RESURGENT CAPITAL SERVICES. They have several other companies they try to use and collect these alleged debts. It appears they move the alleged debt around and try to contact me from different companies although it is the same company. They have not sent me any document BEARING PROOF WITH MY SIGNATURE to prove this debt is mine and that I owe them or anyone this debt. They are currently showing this account as closed at one of the credit bureaus and as an open account at two other credit bureaus. These accounts need to be removed from my credit reports completely IMMEDIATELY. Accounts that show CLOSED still causes damages to my credit and is false information to potential creditors. These accounts should have never been reported to my credit report because I have requested validation which they could not provide. I have never had an account with XXXX XXXX. I have requested multiple times by certified letter and these letters are attached with this complaint. I have asked LVNV to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt. They have sent a computer printout and or statement which does not show any proof this debt is mine. I have sent them multiple Certified dispute letters, requesting documents that show my signature where i signed for this alleged debt. They have not validated or verified this account, they should not report and they need to remove the account from my credit reports completely. They have not provided any documentation SIGNED BY ME that supports this debt is mine and that I owe them or anyone. They still have nothing binding me to a contract. No proof bearing my signature has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. LVNV is illegally reporting this account to the credit report. The alleged debt needs to be REMOVED from my credit report completely immediately and collection efforts need to stop. Marking the account as closed on my credit reports still causes financial damages and hardship to me and my familiy because creditors still see a collection account which was illegally placed there. They need to be completely removed.I have also contacted an attorney to sue for damages and hardship this has caused me and my family.
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| 12/12/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am writing to file a formal complaint against LVNV Funding, Resurgent Capital Services, XXXX XXXX XXXX, and XXXX XXXX XXXX for their handling of an alleged debt. I believe their actions constitute multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws.
Lack of Debt Validation ( Violation of FDCPA 809 ( a ) ) : In or prior to XX/XX/2023, XXXX XXXX XXXX sold an alleged delinquent debt to LVNV Funding, who then referred it to Resurgent Capital Services. Despite my repeated requests for validation of this debt in XXXX, XXXX, and XX/XX/2023, including specific requests for the cardmember agreement and proof of debt reassignment, Resurgent Capital Services failed to provide sufficient documentation. Instead, they repeatedly sent a 2-page copy of a bill, which does not satisfy the requirements for debt validation under the FDCPA.
Multiple Collection Attempts for Unvalidated Debt : Despite the lack of proper validation, LVNV Funding continued to engage in collection activities through credit reporting and other means. Furthermore, another collection agency, XXXX XXXX XXXX, also attempted to collect the same debt. This was followed by XXXX XXXX XXXX making a new collection attempt in XX/XX/2023. All these attempts were made without providing the necessary validation documentation.
Repeated Sending of Insufficient Information : Resurgent Capital Services repeatedly sent the same insufficient bill copy in response to my validation requests, which demonstrates a disregard for their obligation to provide comprehensive debt validation as per the FDCPA.
Reporting to Credit Agencies Without Validation : LVNV Fundings continuous reporting of this debt to credit agencies without providing validation is concerning and potentially violates the FDCPA and the Fair Credit Reporting Act ( FCRA ).
In light of these issues, I request the CFPB to investigate this matter and take appropriate action against LVNV Funding, Resurgent Capital Services, XXXX XXXX XXXX, and XXXX XXXX XXXX for their non-compliant debt collection practices. I am seeking a complete cessation of all collection attempts until proper validation is provided and any incorrect credit reporting to be rectified.
Enclosed are copies of all correspondence with the aforementioned agencies, along with records of my requests for debt validation and their insufficient responses.
Thank you for your attention to this matter. I am looking forward to your prompt response and assistance.
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| 06/09/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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CACH LLC, a Company I have no idea who they are, and XXXX XXXX XXXX are trying to collect a debt. from me. As far as I remember, I never signed any documents with the mentioned above organization. I had in the past a loan with the XXXX XXXX for a loan. I was making my payments until I lost my job in XX/XX/2015. Even without any income, I continued making my scheduled payments until I ran out of funds. At that point, I informed XXXX XXXX about my financial hardship and they agreed to work with me on making moderate Goodwill payments and try to keep the account off my credit. After several months of making payments, I got a call from claiming payments on the account and demanding a higher amount than the amount discussed with XXXX XXXX. They never identified themselves or said who they were. In fact, anytime I asked, the customer service rep would give me an evasive answer, implying that they worked for the XXXX XXXX. Under the assumption that they were still my lenders, I agreed to the new higher payments.I had checked my Credit Report, months ago and it was noted that the account had been written off, I kept making payments.
During this period even when I was paying, calls kept coming several times a day When I could finally answer, new demands for higher amounts were demanded Because I was paying religiously, I asked first of all, why were they changing the amount when we had an agreement, ( Funds were being withdrawn from the bank ) why was I getting so many calls at work when they weren't supposed to do so especially because I was making payments, and more importantly, who were they. At this point I informed them that I was more than happy to continue with the arranged payments, but demanded to know exactly who I was dealing with. They refused to give me any information and I informed the person calling that until they could tell me exactly who I was doing business with I'd stop payments.
As I mentioned before no written communication was given. And recently I found out that a third party Collection Agency named XXXX XXXX, XXXX has joined the venture.
CACH LLC among other thigs, failed to provided the requested information and expected compliance. The stop payment occurred because THEY refused to provide the requested information. They also : Called several times during the day, and harras me every time I answered the phone ; Used lies or deceptions to collect the debt. They before and XXXX XXXX now, implied they could garnish my wages. All because they failed to communicate.
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| 03/31/2021 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX, I underwent a botched dental procedure through a representative employed by XXXX XXXX XXXX in XXXX, Ohio. After examination by an Independent Dentist recommended by my Insurance company at this time, XXXX XXXX, and XXXX investigation of the procedure and the bad faith practice of having me sign financial documents while I was in a traumatic state ; XXXX XXXX ordered XXXX XXXX to reimburse XXXX for the funds paid to them since, the procedure had to be completed again.
The overage of the cost was financed through XXXX XXXX. These documents were presented to me for signature at the end of my eight hour, routine XXXX restoration. It was unknown to me what I was signing and in the end, all funds had to be reimbursed.
On XX/XX/XXXX ; I was served with a Subpoena. XXXX XXXX was suing me for the funds in which the financial documents were signed without my knowledge.
On XX/XX/XXXX, I filed an Answer to the Complaint, representing myself in the matter of : Case No. XXXX ; XXXX XXXX vs. XXXX XXXX XXXX. In the XXXX XXXX XXXX. XXXX, Ohio.
I filed a Statement of Issues with the XXXX on XX/XX/XXXX. A Pretrial Hearing was scheduled for XX/XX/XXXX.
On XX/XX/XXXX ; evidence was reviewed and the case was dismissed.
XXXX XXXX then sold this debt, which was dismissed by the XXXX by Magistrates signature entered on XX/XX/XXXX ( attached ) ; to what appears to be several debt collecting companies. Yet, LVNV Funding LLCs name is what keep appearing on my credit report. I receive mailings from them. I used to get hard-collection calls from them. I have filed several disputes with all credit reporting agencies only to have my disputes declined because LVNV is showing proof that the debt is owed. Im sure these Agencies are not aware that this case was dismissed in XX/XX/XXXX.
LVNV has fraudulently made claims on this debt. They continue to ruin my credit and have been since the fraudulent purchase thereof. My husband and I had to refinance our mortgage because I have not worked in two years. Due to this and LVNV, I could not have my name on our new Mortgage thus, I am now vulnerable.
LVNV Funding has and continue to hurt my credit. They are giving misleading statement and untruths because, this matter was Dismissed therefore, the Debt is not Owed.
Im attaching the Court records and, XXXX XXXX Exhibit which is a statement that shows two Adjustments which, was the credits back to XXXX XXXX. On my current credit report LVNV us showing them as payments made.
Thank you.
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| 06/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi XXXX XXXX XXXX / Lvnv Funding llc : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
|
| 09/29/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On or about XX/XX/XXXX, Authorized Agent, XXXX : XXXX sent the following correspondence : CERTIFIED MAIL NO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Chief Financial Officer LVNV FUNDING LLC d/b/a RESURGENT CAPITAL SERVICES LP ( " LVNV '' ) c/o XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Re : Alleged Debt Account # : ending in XXXX XXXX XXXX, This instrument is a NOTICE OF DEFAULT IN DISHONOR AND CONFESSION OF JUDGMENT upon the following instrument presented in a private communiqu : NOTICE OF ALLEGED DEBT DISPUTE mailed on or about XX/XX/XXXX via U.S.P.S Certified Mail Article No XXXX XXXX XXXX XXXX XXXX XXXX and received by your offices on or about XX/XX/XXXX.
Your failure to respond with the CREDITOR DISCLOSURE STATEMENT as requested in said Notice, providing your verified PROOF OF CLAIM in the form of a sworn rebuttal affidavit, under your full commercial liability, signing under the penalty of perjury that the facts contained therein are true, correct, complete and not misleading, is taken as agreement to your commercial dishonor, XXXX XXXX, exhausting my administrative remedies.
Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act ( FDCPA ) is construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.
******* LVNV moved forward and took legal action against the Beneficiary of the XXXX XXXX XXXX XXXX ( " Principal Debtor '' ) and secured a default judgment for a wage garnishment of the Beneficiary property.
On XX/XX/XXXX, we sent a Notice To Cease and Desist ( Contract ) via U.S.P.S. Priority Mail Express XXXX. XXXX XXXX XXXX XXXX XXXX as our good faith offer on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to give their client an opportunity to cure its breach of trust and voluntary dismiss the case in light of LVNV 's egregious violations of 35 violations of the FDCPA and the FCRA as well as the State of Florida Statutes Titles XXXIX and XLII, 18 U.S.C. 1341 and 1342, 18 U.S.C. 241, 15 U.S.C. 1 and 2 and Beneficiary 's 4th amendment rights to the Constitution.
On XX/XX/XXXX, XXXX garnished Beneficiary 's check in the amount of {$1400.00} for an unvalidated debt based on a fraudulent default judgment secured by XXXX on behalf of their client LVNV.
XXXX XXXX XXXX and XXXX are complicit in this fraud upon the court and acting as a debt collector is subject to the FDCPA and FCRA as well.
|
| 03/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received notification in the mail for two alleged debts for {$820.00} And {$1100.00} by and RESURGENT RECEIVABLES LLC and XXXX XXXX I have no contract and I have never given my social security number nor my personal information to this company ; nor do I have any financial obligation to both companies, so I requested debt validation and sent a cease and desist. The notices were sent certified mail with return receipts signed by an agent of both companies. I never received debt validation, nor did they cease and desist until the debt was substantially validated.
This company purchased a charged off debt, they are not a party to the original transaction and have no rights, title or interests to collect on the alleged debts. They have not provided a bill of sale or a bill of assignment. The mere fact that this company is trying to extort me for monies will and should be punishable under title 18.
RESURGENT RECEIVABLES went and obtained my credit report under false pretenses because I never applied for any goods or services with that company. Resurgent Receivables have violated federal and state laws listed below FDCPA, FCRA, TITLE 18 and TITLE 39 *18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.
*39 U.S. Code 3005 - False representations ; lotteries ( a ) Upon evidence satisfactory to the Postal Service that any person is engaged in conducting a scheme ( d ) Matter otherwise legally acceptable in the mails which *39 U.S. Code 3001 - Nonmailable matter ( a ) Matter the deposit of which in the mails is punishable under section 1302, 1341, 1342, 1461, 1463, 1715, 1716, 1717, or 1738 [ 1 ] of title 18, ( d ) Matter otherwise legally acceptable in the mails which ( 1 ) is in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due ; but ( 2 ) constitutes, in fact, a solicitation for the order by the addressee of goods or services, or both ; ( A ) the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer
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| 06/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX LVNV FUNDING LLC Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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Company is in violation of 15 USC 1692, after numerous attempts of sending debt validation letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Information was not properly validated. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions .Company is in violation of 15 USC 1692 as well as 15 U.S.C 1681 section 602 A.
1.The Truth in Lending Act is intended to inform consumers about the cost of credit.
2.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.
3.XXXX is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection or any debt.
4.XXXX is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer shall not state that such consumer owes any debt.
5.XXXX is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any.
6.The Truth in Lending Act is intended to inform consumers about the cost of credit.
7.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.
8.XXXX is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.
9.XXXX is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer Shall not state that such consumer owes any debt.
10.XXXX is aware and has proof in attachment labeled as exhibit A that corporation name violation of 15 USC 1692 . ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates the debt.
|
| 02/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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Dear CFPB Thank you for hearing me again over the last XXXX yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over XXXX times in a XXXX yr period.
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed.
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got XXXX evictions on my name when I was out of the country.
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree.
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the XXXX because I support victims of crime. I cant get Hired with these collections.
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over.
With my line of work with victims of crime XXXX cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane.
XXXX XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly.
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe.
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? XXXX XXXX out here help me get this deleted again. Thank you
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| 06/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hi Lvnv/XXXX XXXX XXXXcfpb ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
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| 10/18/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This notice is to inform the CFPB and your office that you are reporting invalidated information on my credit file. In respects to the Fair Debt Collection Practices Act, The violations are as follows ; Purchasing and parking a junk account which is currently on fraud alert.
Illegally re-aging the account by almost five years, in order to keep it on my credit file for a longer period of time.
Willfully ignoring a cease and desist order.
Your actions constitute fraud under both federal and state laws.Your lies and fraudulent ways of conducting business have caused significant harm to my mode of living.
If this invalid item continues to be reported on any of my credit files by your company, I will not hesitate in bringing legal action and seeking maximum remedy against your company for attempting to plunder and defame my character.
I am sure your legal staff will agree that non-compliance will put your company in serious legal trouble with the Federal Trade Commission and other state or federal agencies.
If your offices are able to provide the following documents Agreement with the party that authorizes you to collect on this alleged debt.
The legal order from a judicial court.
An agreement with your company bearing my signature stating my legal obligation to pay this alleged debt.
Valid copies of the debt agreement stating the amount of the debt and interest and changes. With the matching date.
Proof that the statues of limitations has not expired.
Complete payment history along with an accounting of the debt and all additional charges being accessed.
Proof that you are licensed to do business in the state of Texas.
Your license number and registered agent.
Identification number of the state ID used to obtain the alleged line credit.
The law requires 30 day to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will promptly consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file.
By notifying you of my Notice of understanding and claim of right, I have thereby notified all applicable agents.
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| 10/01/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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Resurgent obtained the right to collect on our mortgage. On XXXX XXXX, Resurgent agreed to release the lien within 30 days after we sent them {$5700.00}. They have not released the lien. On XXXX XXXX, they said that I had to pay them by XXXX XXXX, or the deal was off and I would have to " renegotiate '' with them. When I tried to explain that the cashiers check had to come from Florida and be mailed to them, their representative, XXXX, raised her voice and harshly let me know that was the final word. I told her that I would get the check to her as soon as I received a letter committing that the payment was payment in full and the lien would be released within 30 days of receipt. On the XXXX, we had received nothing. We called every day and were continually assured by both XXXX and her supervisor XXXX, that the letter was in the mail. On the XXXX, I spent money I did n't have to get an online fax account. On the XXXX, XXXX faxed me a letter which met my criteria and I put the check in the mail. They received it on the XXXX of XXXX. On the XXXX of XXXX, I received the letter from them which bore the date of XXXX XXXX. The letter had been franked on the XXXX and accepted by the post office on XXXX XXXX. I think the letter was backdated and they intended for me to get the letter after the XXXX so they would have an excuse to demand more money. Alternatively, if I had been foolish enough to send the check without their written commitment to accept it as payment in full and release the lien, they could have demanded more money. The letter states that the paperwork will be sent to me but Kentucky law states that original paperwork has to be sent directly to the county clerk 's office, with copies to me within 30 days. I did not know that at the time, but I do not think I am responsible for telling them their legal obligations. I called them several times today trying to straighten this out. XXXX was surprised today when I told her that Kentucky required the original paperwork be sent to the Clerk. XXXX finally told me she would look into it and told me she would call. I waited 15 minutes past the time she said she would call and then called her. She was at lunch. Her supervisor has been " in a meeting '' all day. This is typical of the way this company operates. Tomorrow I will send them a copy of applicable Kentucky law along with mailing and contact information for the XXXX County clerk here in Kentucky. Please incentivize them to end their coffee break and do their jobs.
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| 03/03/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX I was planning to buy a home, so I applied for a mortgage. My application was denied due to multiple derogatory accounts due to identity theft. I was completely unaware until I was notified by the mortgage company.
After extensive research I determined that my credit was pulled XXXX times by the identity thieves between XX/XX/XXXX and XX/XX/XXXX. As of right now I know that several accounts were opened, XXXX cars were purchased, and an apartment was rented. The identity thief contacted XXXX of my existing creditors which I had open accounts with by phone and impersonating me, told them that I had moved to Florida. These creditors were XXXX XXXX, XXXX XXXX and XXXX XXXX. Each of these accounts had a XXXX balance. The identity thief then charged up each of these cards, having the merchandise delivered to the home in Florida. I have never lived in Florida.
I have gone through the process of reporting the identity theft to each of the creditors, filed a report with the FTC, filed a local police report, completed an identity theft affidavit and contacted the credit bureaus to resolve this situation. This has been a year of fighting to get my good name back. I have been able to resolve and remove the majority of these accounts, but I have XXXX remaining collection accounts that I have been unable to have removed, which is the reason for my complaint.
The first collection account is XXXX for the debt with XXXX XXXX. I had disputed directly with XXXX XXXX, communicated by phone and mail and they removed the debt from my credit report. I was quite surprised to then get a collection account from XXXX. The account was opened XX/XX/XXXX in the amount of {$12000.00}. I immediately contacted XXXX and was asked to send them a copy of my identity theft package, which I did. This account has yet to be removed. I have sent in multiple requests for removal of this account and they have reported that it meets FCRA requirements, which clearly it does not.
The second collection account that I have been unable to have removed is with XXXX for XXXX Apartments. This account is for an apartment that was rented in Florida with my identity. I have request removal for identity theft several times, and have had no success. With this account, it may not even be in my name, because my name is XXXX XXXX, and the identity thief opened multiple accounts under the name XXXX XXXX. The alternate name, Florida addresses, and different employers have all shown up on my credit report.
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| 02/06/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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This collection agency company LVNV Funding LLC has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe {$350.00} to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company LVNV Funding. Do n't matter the original creditor have the same account number as the collection agency, XXXX account that XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under to different companies on my credit report which neither provided proof of documentations bearing my signature associate with the account number under my social security number. If no signed documentation bearing my signature stating that I owe {$350.00} then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it does n't prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report.A person or persons should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court in my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for {$5000.00} in damages 1 ) defamation 2 XXXX negligent enablement of identity fraud 3 ) violation of the FCRA.
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| 06/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Resurgent Capital Services L.P, Resurgent Receivables LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX are aiding and abetting each other in an attempt to collect a debt from me that i do not owe. I have never done any business with nor have I ever heard of Resurgent Capital Services L.P, Resurgent Receivables LLC, or XXXX XXXX XXXX and I have no contracts with either of them including XXXX XXXX XXXX. Banks are securities transfer agents that only have the power to borrow and exchange. Since you are all attempting to collect an alleged debt for XXXX XXXX XXXX, in order to prove I owe this debt, you must provide the Certificate of Indebtedness. Without providing the Certificate of Indebtedness you can not collect. This kind of activity suggests you are all aiding and abetting each other in committing Securities Fraud.
Billing statements and consumer credit contracts or agreements are insufficient forms of debt validation and or verification, Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ) ; GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ) ; Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super. 2000 ) ; Town of Brookfield v. Candlewood Shores Estates , Inc. 513A.2d 1218, 201 Conn.I ( 1986 ) ; Solon v. Godbole , 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3 Dist. 1987 ).
You are all currently aiding and abetting one another in committing fraud and extortion. By advertising this alleged debt to me and or any other person by any means, including but not limited to a consumer report, you are all participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to you or to XXXX XXXX XXXX.
If you do not immediately remove this from my consumer report, cease all collection attempts, cease and desist all communication with me, unless it pertains to the removal of this account from my report, I will have no choice but to contact the Attorney Generals Office, The Office of the Comptroller of Currency, The Federal Trade Commission, The Securities Exchange Commission, The IRS Treasury, The Treasury Direct, and the appropriate district court to file a claim of federal charges against you including but not limited to conspiracy, fraud, extortion, and identity theft.
Extortion is a violent crime
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| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Resurgent Capital Services responded to my complaint with CFPB stating LVNV Funding LLC was the owner of the account. They also stated they sent me printed copies in which meets FDCPA. I never received any notices regarding this allege account prior to my dispute letter from Resurgent Capital Services and/or LVNV Funding LLC . This company has violated my consumer privacy rights. According to 16 USC 1681 they are required to report accuracy and correct information on every line of of my consumer report. The information they are reporting on my consumer report is inaccurate and incorrect. I want you to know I'm aware transactions and expericences are illegal to report on a consumer report according to 15 USC 1681a ( 2 ) Exclusion- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
They have failed to provide me with a copy of any viable evidence, bearing my signature, that I have a contractual obligation to pay Resurgent Capital Services/LVNV Funding LLC . My federal privacy rights have been violated. They provided a printed copy of an alleged credit card statement and stated it was verifiable ( see attach ). As per FDCPA Section 809 ( b ), FTC opinion letter from Attorney XXXX XXXX XXXX, I believe they are fully aware that a printout of a bill or itemized document does not constitute verification.
CFPB you know the documentation Resurgent Capital Services submitted with their response does not meet FDCPA. I haven't received a response from you as of yet. You are to protect us as the consumer.
I XXXX this business and learn both entities were sued in a class action suit in which just closed as of XX/XX/XXXX. Both of these companies ( same owners ) are third party debt buyers. I have been trying to dispute this allege account for years since XXXX! I'm more knowable now of consumer laws. I'm looking forward to suing this company for violating my privacy rights. This has damaged my credit and still is. Also, the inconsistency on my consumer reports. In letter they stated the allege account open XX/XX/XXXXXXXX ; charged off XX/XX/XXXX. However, my consumer reports show the allege account open XX/XX/XXXX. Also, this comapny act as if they are invetigation this dispute however it shows on all of my consumer reports that it meets FCRA. This is illegal!
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| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
|
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Resurgent Capital Services responded to my complaint with CFPB stating LVNV Funding LLC was the owner of the account. They also stated they sent me printed copies in which meets FDCPA. I never received any notices regarding this allege account prior to my dispute letter from Resurgent Capital Services and/or LVNV Funding LLC XXXX This company has violated my consumer privacy rights. According to 16 USC 1681 they are required to report accuracy and correct information on every line of of my consumer report. The information they are reporting on my consumer report is inaccurate and incorrect. I want you to know I'm aware transactions and expericences are illegal to report on a consumer report according to 15 USC 1681a ( 2 ) Exclusion- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
They have failed to provide me with a copy of any viable evidence, bearing my signature, that I have a contractual obligation to pay Resurgent Capital Services/LVNV Funding LLC . My federal privacy rights have been violated. They provided a printed copy of an alleged credit card statement and stated it was verifiable ( see attach ). As per FDCPA Section 809 ( b ), FTC opinion letter from Attorney XXXX XXXX XXXX, I believe they are fully aware that a printout of a bill or itemized document does not constitute verification.
CFPB you know the documentation Resurgent Capital Services submitted with their response does not meet FDCPA. I haven't received a response from you as of yet. You are to protect us as the consumer.
I XXXX this business and learn both entities were sued in a class action suit in which just closed as of XX/XX/XXXX. Both of these companies ( same owners ) are third party debt buyers. I have been trying to dispute this allege account for years since XXXX! I'm more knowable now of consumer laws. I'm looking forward to suing this company for violating my privacy rights. This has damaged my credit and still is. Also, the inconsistency on my consumer reports. In letter they stated the allege account open XX/XX/XXXX ; charged off XX/XX/XXXX. However, my consumer reports show the allege account open XX/XX/XXXX. Also, this comapny act as if they are invetigation this dispute however it shows on all of my consumer reports that it meets FCRA. This is illegal!
|
| 07/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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HI LVNV FUNINDG / RESURGENT CAPITAL ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!!
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Report and proof of my identity.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. XXXX Account Number : XXXX Please remove it from my credit report.
3. XXXX Account Number : XXXX Please remove it from my credit report.
4. XXXX Account Number : XXXX Please remove it from my credit report.
5. XXXX Account Number : XXXX Please remove it from my credit report.
6. XXXX Account Number : XXXX Please remove it from my credit report.
7. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
9. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
11. XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 18. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
|
| 01/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Original creditor : XXXX XXXX XXXX XXXX FOR {$1000.00}??? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 08/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi LVNV FUNDING / XXXX XXXXXXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I followed all the instructions from XXXX and contacted the company, their response was yes payments were received and the account has been sold, so although paid the other company now has the account. I asked if XXXX knows that its paid in full why wont they reports the account as paid?. Infield a complaint also with the FTC They gave me information on fraud Response to your complaint Ref No. XXXX. Thank you for contacting the Federal Trade Commission. We have reviewed your complaint and have determined that the following information may assist you. 10 Ways to Avoid Fraud - XXXX XXXX XXXX The Florida Consumer Collection Practices laws, XXXX to XXXX. This indicates to me there is some fraudulent activity from XXXX and XXXX. I have submitted the documentation that account is paid and it still stands on my credit as a refusal to pay and preventing me from increasing my credit score to purchase a home. The account is paid and to be advised to contact the reporting agency is crazy and also illegal.Florida has enacted additional laws that supplement the FDCPA, and may provide you with even greater protection than the FDCPA if you live in this state. Florida 's Consumer Collection Practices Act ( FCCPA ) protects you from abusive debt collection practices. Like the FDCPA, the Florida CCPA covers debt collectors. I have a private cause of action a creditor or debt collector has harmed me and are in violation of the FCCPA. This means that I can file a lawsuit in Florida against the collector or creditor. I may be awarded : actual damages statutory damages not to exceed {$1000.00} possible punitive damages ( at the judge 's discretion ), and attorneys fees and court cost I will move forward and also file a complaint with Florida 's Office of Financial Regulation. A debt collector ( but not a creditor ) uses abusive or deceptive collection behavior, I know I may also be able to sue under the federal FDCPA. For more information, visit XXXX XXXX Illegal Debt Collection Practices The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. Those who are exempt from registration include : original creditors attorneys banks and other financial institutions, and real estate and insurance professionals. Remedies for Failing To Register An unregistered debt collector may be subject to administration fines of up to {$10000.00}, plus attorney 's fees and cost.
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| 11/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Requested debt validation from LNVN funding with no response to have alleged debt validated. This account appear on my credit report without my knowledge after researching it shows to have come an account that was previously disputed and removed from my consumer report by XXXX XXXX I have attached the document. I then sent a request to LVNV to verify the account and to provide me with the sales agreement accounting ledger my consent to pay them on the alleged debt my signature their license number so I can investigate further to see if they are authorized to collect in my state and to swear under perjury and still till this day I havent received any response or the information requested as I have the right for request validation by law. This behavior is totally unacceptable and this company and its past alleged practices are beyond mind blowing and feel they are above the law. My rights have been violated according to the fdcpa. I never gave LVNV funding permission to buy my non public information nor consented to LVNV funding that I agreed to do business with them. Also when I submit my request to XXXX have the account reinvestigated XXXX over looked the fact that the account was removed from my report and updated the accounts and closed the investigation with properly confirming the allegations. There were no statement form sent there was no investigation information provided such as the name address phone numbers nor the way they confirmed the information which is a violation according to the FCRA which states identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Was NOT provided if XXXX would have done an actual reinvestigation they XXXX would have seen that the account was removed by the original creditor. XXXX also refused to provide me with the information requested including my complete file disclosures and my written certified signature with my consent. I am asking for this account to be removed from credit report and a free copy of my credit report via mail as I have requested all communication via US Mail and no other with tracking to show proof that the information has been mailed to my address on file. This is unfair practices on both parties involved and reflects that both LVNV funding and the credit reporting agency believe they do not have to abide by the laws in place that governs both the fdcpa and the FCRA.
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| 08/15/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/2018 -I called XXXX XXXX that was listed on my credit report to resolve my debt and have it removed from my credit. I obtained the account number and the total amount owed along with where to send the payment.
A few months later I saw the debt still on my credit report but it was taken from my bank account electronically and delivered to Resurgent Capital which is whom I was told to make the payment to. I called back to XXXX XXXX that was told that I needed to call my bank that it was my banks issue. My bank told me the funds were delivered and that there was no issue on my end. I continue to receive calls to collect this debt. I faxed proof from the bank account that this debt was paid from my account back in XX/XX/XXXX. A company called XXXX has now began calling me to collect on this debt that I already paid. They stated that Resurgent Capital still holds the debt and that they are making the calls on their behalf. I explained my situation and they were to look into the matter. I recently have gotten in the mail a package of old statements from the original creditor that says this is proof that this is your debt. I never disputed that it WAS my debt. My issue is that on XX/XX/2018 the payment to pay this debt was delivered in full. I called resurgent capital on XX/XX/18 and was told that the proof that I sent from my bank showing payment was illegible. No one ever called me back in XXXX when I sent this to tell me or try to resolve the matter. No one has tried helping me at all. I just continue to receive harassing and threatening phone calls that this will be sent to lawyers no matter how much I tell them it was paid and try and help them see the payment. I called back a second time to Resurgent Capital and spoke with a lady who stated her name was XXXX. I tried explaining the issue and she became VERY rude and told me to stop talking. She would not allow me to finish anything that I had to say. I am reaching out for help to this company and keep getting passed around, meanwhile this debt still sits negatively on my credit even though I paid this months ago with my own initiative. I don't know who else to reach out to or what else to do. I just need this matter resolved and I can't resolve something when every time I call I am being told this is an attempt to collect a debt and people are so rude and don't want to hear that I paid this but just tell me that I need to make a payment. I am at a loss on how to proceed with this matter.
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| 10/22/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am filing this complaint about a company that I have never heard of that is filing entries on 3 of my 3 credit reports. XXXX, XXXX and XXXX. Company Name and Address : CACH , LLC XXXX XXXX XXXX XXXX, SC XXXX XXXXThey came out of no where and said I owed them $ XXXX. I have never heard of this company and notified this company by mail and phone that they need to remove this fraudulent entry off my credit report. When I spoke with this company and XXXX sounding person answered the phone and was really rude. I asked them why they put this negative collection/account on my credit report and they hung up on me. I have filed complaints and disputes with all 3 credit bureaus and only XXXX was able to prove it as fraud and removed it from my report. I called the company again and another XXXX sounding person answered the phone. I asked him to send me information showing that I owe Cach LLC or for information showing that I signed something saying that I owed them money for something. They again hung up the phone on me. They report themselves as an account of debt half the time that I made payments on supposedly. You will see in my additional documents that they list me 120 days late multiple times. I dont know how that would even be possible since I have never sent them money for anything nor have I ever made any agreement with this company for anything! Then they list my account as a collection other times. I know this is a scam and need to file with whomever I need to hold this company accountable for fraud, and fraudulent filings on my credit report. They claimed I made 2 payments to them and then hung up the phone on me on my 3rd call to them. Please investigate this company. I have done research online and found that I am not the only one being frauded by this company called Cach LLC. I am attaching both credit bureau entries that still remain on my credit report. You will see they claim me as 120 late multiple times and then they list me as a collect as well. I called a 4th time and asked for documentation showing that I signed for anything in order to owe them money. The rep talked over me and then yelled at me and then hung up the phone. You will see in you investigation that I never asked these people for money, sent them money, nor did I sign to agree to send them money. Please help. This is hurting my credit and Im scared they will go further to hurt me. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Phone : XXXXEmail : XXXX XXXX
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| 07/11/2016 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XXXX XXXX, a solar company ( not in business anymore ) sponsored by XXXX Bank scam me into buying a solar panel for {$7900.00} when it was supposed to cost me close to {$4000.00}. Since I was not working at the time I never thought that XXXX will ever approve me with what they were promoting as a Home Project XXXX Card much less for {$3900.00}. To my surprise, I was approved not for the {$3900.00} that the project cost but for {$7900.00}. I called the solar company and I was inform to make the first payment, wait 30 days and that after that they will straight everything out. When I call them again after 30 days, they were out of business. XXXX was not help at all. They said I must pay the full loan or they will report me to the credit companies. They did.
In XXXX XXXX I got a collector 's letter from XXXX XXXX XXXX XXXX, XXXX. They said I own {$10000.00}. I respond them to prove me that I own that money. They never respond me.
In XXXX XXXX I got another collector 's letter for the same amount, this time from Resurgent Capital Service XXXX. I did ask them to prove me I own that money. They never responded.
Since these collectors never responded, I did assume everything was Okay.
Well, I am working now and want to start my own XXXX business and to my big surprise and disappointment, when checking my credit score it was in the low XXXX. The XXXX report from XXXX XXXX shows the XXXX loan shown as charged-off ( bad record ) but also shows a collection for {$10000.00} from a LVNV Funding LLC XXXX, collector company I never heard of, where it state that the originator is XXXX. To make matters worst, the loan has a date opened of XXXX XXXX, 2 years and 4 month after the XXXX loan was approved.
I understand that it probably was my fault that I fell for the scam to begin with, but whatever I did wrong, I did it in good faith and with no intention to hurt anyone. These companies, XXXX and its accomplices, the collector blackmailers all they want is for me to pay for a wrongful loan generated by a corrupt bank or my credit history will be ruin, which already is.
Now that I want to something good for myself and others, I found my hands are tight by a bunch of crooked XXXX scammers where my only option is to pay my ransom ( {$10000.00} ) or else.
All this information is documented and should you see that you can help me, fact that I will very much in appreciation, please let me know so I can have some hope for my future.
Very truly yours, XXXX.
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| 04/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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LVNV Funding LLC filed a lawsuit against me in XX/XX/XXXX- I was never properly served although they filed a proof of service. XX/XX/XXXX - They went to the Apartment Manager and asked for my info claiming they were trying to deliver a paycheck - Apartment Manager will sign affidavit. I was not home. But when I got home, my neighbor gave the paperwork to me that they gave to my neighbor claiming it was a paycheck. I opened the envelope that had my name and address written on it, and it was summons and complaint claiming I owed monies to a credit card company they were representing. I have never received any notifications or anything in the mail verifying they now are collecting on behalf of credit card company XXXX - which I closed and paid off account back in XXXX with XXXX XXXX which there was also a complaint I filed with this agency about them fraudantely claiming I owe, their collection practices, etc. The XXXX XXXX XXXX XXXX accepted my Answer to Summons/Complaint then rejected saying documents upside down then accepted it again. Never heard back from the Court or LVNV Funding. Last month- my Employer received documents with my social security on it and a wage garnishment without a copy of the Judge 's order for wage assignment. My employer, against me clearly telling them in writing to not disclose or verify anything because the paperwork had a XXXX address - that this may be fraud - My Employer ( XXXX XXXX ) verified with a representative of LVNV Funding LLC confirming I am employed with them. I contacted the XXXX XXXX XXXX - spoke to a Supervisor after calling for over two weeks since XXXX XXXX the clerk office and getting no response, finally XXXX XXXX on XX/XX/XXXX explained to me that LVNV Funding LLC filed proof of service back in XX/XX/XXXX or so claiming personal service at my address in XXXX. Then In XX/XX/XXXX or so filed certificate of mailing of the Notice Of Default to address in XXXX which they already had my address in XXXX - why say mail to XXXX. I filed XXXX XXXX XXXX to stop wage garnishment because sadly my Employer ( XXXX XXXX ) has already disclosed so much info to this LVNV Funding LLC and LVNV Funding LLC threaten my Employer if they would not garnish my wages claiming a Court order even thou there was no Court order provided. This company LVNV Funding LLC has violated several FDCPA collection practices as well as fraud and misrepresentation with the Court and filed fraudantly documents with the Court as well.
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| 12/12/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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LVNV FUNDING is classified as a " junk debt buying '' abusive debt collection company by the Federal Trade Commission ( FTC ). LVNV FUNDING was sued just recently for deceptive and abusive practices. All 3rd party debt collection companies are regulated under the Fair Debt Collection Practices Act. No alleged verified statement makes debt collectors exempt for breaking the law under the ( FDCPA ). LVNV FUNDING is known for using deceptive practices. Even now, per FDCPA Resurgent can not represent LVNV Funding. That is false and misleading representations per 15 USC 1692e ( 14 ). ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. I XXXX XXXX want to also highlight that LVNV FUNDING did not respond to me directly when I asked them to validate the debt per 12 CFR 1006 Regulation F of the FDCPA or 15 USC 1692g. By law they are given 30 days to respond per 15 USC 1692g ( b ) ( FDCPA ) and they did not do so. That is a violation, and they are now liable to the consumer XXXX XXXX per 15 USC 1692k. Failure to comply to law prompts deletion of the any information the debt collector when they use abusive deceptive practices, otherwise LVNV FUNDING will face court consequences. I had to file a complaint with the CFPB just to get a response from this company. LVNV FUNDING also violated the privacy act per 5 USC 552a by illegally having personal information such as name or social security number is protected by the Privacy Act 1974 which is also in possession of the debt collection company Resurgent. Ths company has broken many laws during their response in the letter they sent to the CFPB in my initial complaint. Just because they sent statements to verify an alleged debt still does not validate the debt. It's called DEBT VALIDATION not debt verification. What LVNV FUNDING had Resurgent to send responding to my initial complaint, did not prove anything. Especially since they are being passive and avoiding responding to my letters directly. Their silence is of the acquiescence. Furthermore, LVNV FUNDING debt collection company lied and said they didn't break any laws. They have violated my rights. They are currently in violation. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days, Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A )
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| 03/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given LVNV Funding LLC any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with LVNV Funding LLC, and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving LVNV Funding LLC any right to collect on this alleged debt. It is in my belief that LVNV Funding LLC are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from LVNV Funding LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
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| 03/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
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| 04/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
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| 08/31/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, LVNV FUNDING LLC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
LVNV FUNDING LLC Account Number : XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
LVNV FUNDING LLC Account Number : XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
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| 08/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was going through a divorce and I believe this account was opened by them. I had become aware of this account in 2018 at which time I had become aware it was closed and charged off. At that time, I disputed the charges and the validity of the account. Recently, while trying to purchase a vehicle I became aware that I had an opened late pay debt which was surprising to me as I had no contact from anyone. After further research I discovered LVNV LLC had reopened this closed charged off debt that was previously disputed as not being mine. Mind you, there has been no contact from them. I immediately sent them a certified letter requesting documentation asking to supply the information below so that I can be fully informed about the alleged debt pursuant to the Fair Debt Collection Practices Act : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed.
The name and address of the original creditor and any other names used.
A copy of the original contract or other agreement.
Evidence that I was the one who opened said account and it was not opened fraudulently.
The name of any other person that is or was required to pay the alleged debt.
The amount and age of the debt, including : Proof I owe the debt.
Provide a copy of the last billing statement sent to me by the original creditor.
State the amount of the alleged debt when you obtained it.
State the date when you obtained the alleged debt.
Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor.
Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges.
Provide an itemization showing any payments since the last billing statement from the original creditor.
State when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
A calculation of whether the statute of limitations has expired for collecting the debt.
( Virginia Statute Code : 8.01-246 ).
The last action taken of the action.
Details about your authority to collect this debt, including : Proof of your ownership of the account.
Provide the number of any license to collect debt in Virginia and the name of the issuing agency.
Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency.
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| 06/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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HI LVNV FUNDING/ Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 11/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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I mailed LVNV FUNDING a debt verification letter on XX/XX/2020 asking the collection agency to verify the debt. LVNV funding responded with a letter just stating I owed {$960.00} dollars for a credit card debt with XX/XX/XXXX I then sent a letter certified return receipt on XX/XX/2020 ( delivered XX/XX/2020 ) stating their response was insufficient, and requested the contract I signed that gives them legal standing to collect said debt. Their attorney XXXX XXXX XXXX sent a letter stating LVNV funding would obtain a debt verification or a judgment against me for said debt. LVNV funding refused to validate the debt and ignored my request for the contracts it assumed I signed giving legal grounds to collect debt. I disputed the account from my credit report XX/XX/2020 with XX/XX/XXXX for failure of debt validation by LVNV Funding. I also disputed with XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXXin terms of LVNV funding violating my rights under the FCRA in allowing LVNV to inaccurately report this collection account on my credit. LVNV has reported this account as a factoring account with a one month term limit with a balance of {$960.00} ; while also negligently reporting 20 months late payments on a collections account of debt LVNV claims to have purchased. The credit bureaus investigated my disputes and stated LVNV meets the requirements of the fair credit reporting act. I stated in my disputes I did not sign any contract with LVNV debt collection agency and it was a violation of my rights to allow them to inaccurately report on my credit and requested LVNV funding be deleted from my credit report. LVNV Funding refused to validate the debt, provide the contract or bill of sale from the original creditors, and violated my rights under the FCRA by reporting monthly late payments, and all 3 bureaus has allowed these violations to happen, and further damage my credit, illegally. Now XXXX, the LVNV attorney who refused my requests for documentation for debt validation, has filed a lawsuit against me in my county, court case ( XXXX ). XXXX XXXX stated in last letter to me ( forward to my new address by USPS, XXXX XXXX refused to send letters to return address on the letter I sent LVNV ) he would either validate the debt or receive judgment on the debt. XXXX XXXX has never validated the debt, instead he has followed through with his threats of legal action. LVNV funding has violated my rights numerous times with the complicity of the credit bureaus.
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| 08/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello, This is ridiculous and inhumane! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 12/29/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Im filing this complaint against XXXX XXXX XXXX XXXX XXXX for failure to adhere to FDCPA guidelines. XXXX XXXX XXXX XXXX XXXX fail to adhere to Regulation F, giving me the opportunity to request for validation of an alleged debt prior to assuming its validity. I have encountered abusive, deceptive, and unfair debt collection practices from XXXX XXXX XXXX XXXX XXXX. In accordance with sos.ms.gov ; XXXX XXXX XXXX XXXX XXXX is registered as an attorney office. Yet, they are acting as a debt collector, which is a violation under the FDCP for deceptive practices. XXXX XXXX XXXX XXXX XXXX has inflated the alleged debt amount with fees in the amount of {$130.00} for court cost and garnishment. The fees and prior order is null and void due to, I was never served a Summons and Complaint to appear in court for this alleged debt. I was recently given a Show Cause Hearing on XX/XX/XXXX, a new trial date was set for XXXX, XXXX. I requested validation of this alleged debt, which XXXX XXXX XXXX fell to provide all requested documentation. LVNV Funding knowing I was never given an opportunity to dispute this alleged account prior to sending this account over to XXXX XXXX XXXX XXXX XXXX. As you can see in the uploaded documents, they recently issued a letter via USPS, given me the opportunity to dispute by XX/XX/XXXX.
I requested the original contract with the original creditor, Bill of Sale, and Purchase Agreement. So, that I may validate this alleged account properly. XXXX XXXX XXXX only sent statements, which does not validate alleged debts in accordance with law. Due, to me not being able to validate this alleged debt, I filed a claim with the Federal Trade Commission as fraudulent account. I have no proof nor prior knowledge of this alleged account ; its not on my credit report.
XXXX XXXX XXXX XXXX XXXX, you are hereby noticed within this complaint. Cease and desist any and all attempts in trying to collect on this alleged debt I dont owe. If I owed this alleged debt in which I, dont it have passed the statute of limitations ( XXXX XXXX XXXX XXXX XXXX ), forfeiting the rights of collection. XXXX XXXX XXXX XXXX XXXX has violated multiple law under the FDCPA, I'm truly loss for words. XXXX XXXX XXXX XXXX XXXX has knowingly broken state and federal laws and regulations concerning the collection on this alleged debt with forethought and malice. I have also filed a complaint with our local Attorney General Office upon me submitting this complaint.
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| 12/15/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is NOT a duplicate of XXXX, rather I'm trying to send the same complaint to XXXX XXXX XXXX, can not find them, and am attempting to send it to Resurgent Capital Services, who I *believe* is the parent company of XXXX XXXX XXXX.
The XXXX XXXX XXXX XXXX XXXX XXXX, representing LVNV Funding, is attempting to collect alleged debt against me. I have an ongoing dispute with the XXXX XXXX XXXX XXXX XXXX XXXX, and their response to my debt validation request has revealed that my alleged debt was transferred from alleged original creditor [ XXXX XXXX XXXX XXXX ] to [ XXXX XXXX XXXX XXXX ]. On a Transfer and Assignment Document, I see that [ XXXX XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to [ XXXX XXXX XXXX ], and that [ XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to LVNV Funding. I don't recall receive any written notice whatsoever from XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX. I call apon XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to prove that they sent me anything whatsoever in the mail pertaining to the purchasing and/or transferring and/or reassigning of the alleged debt. I suspect that my rights under FDCPA were violated and that these entities failed to notify me of the transferring of debt. I also call into question the signatures on the attached document enclosed from the representatives of these " XXXX '' companies. Why is the dated typed but the signature is a wet-ink signature? What proof can XXXX XXXX XXXX AND XXXX XXXX offer that the document was signed on XX/XX/XXXX, the typed date? Why would the signers not write the date in ink since they are signing in ink, and what evidence do they have to offer that they all signed the document on XX/XX/XXXX. Please answer these questions and provide your documentation that I have been provided all required legal notification from the entities that purchased-then-transferred my alleged debt, and please also answer why this occurance should be interpreted as anything other than a very shady, questionable, poorly signed, and unclean bill of sale and a truly broken chain of title? Please also inform me how XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX can be contacted for questions pertaining to these documents, and/or subpoenaed for information and/or testimony? Please also provide me with the DocuSign certificate of completion for the Bill of Sale with the matching DocuSign Envelope ID XXXX Do NOT Modify the certificate of completion in any way.
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| 07/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with XXXX and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX.
XXXX XXXX closed this account on XX/XX/XXXX and charged it off.
XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it.
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX is reporting : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
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| 12/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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****SEE ATTACHMENT*** PLEASE - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 11/30/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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After several attempts to dispute the debt via XXXX, XXXX, and XXXX sending the letter I sent to " Resurgent '' Current Owner LVNV Funding LLC and the Original Creditor XXXX. Reference ID : XXXX I received a letter stating that the debt was " valid '' I had not received any of the requested documents, just a letter saying " It's a valid debt ''.
On XX/XX/2023 I received a letter from Resurgent stating that they needed a copy of the police report attached which was sent to they and the three bureaus. Additionally, I sent over copies of my bills, I sent copies of the police report and yet they have refused to acknowledge or delete this erroneous debt.
I have been requesting documents since XXXX XXXX 15 U.S. Code 1692g - Validation of debts protects my rights as a consumer and requires they provide substantive proof that this is my debt. There has been willful negligence of their duty as outlined in section 5 ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
If necessary, I am willing and ready for all FCRA violations will be heard in federal court. As a former attorney, I am well aware of my rights and the requirements of the bureau to accurately report. We are over 200 days since I've been given substantive proof this debt belongs to me ( which it does not ) which is well past the 30 day mark
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| 12/14/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I have never had an account with this company RESURGENT/LVNV FUNDING REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are RESURGENT /LVNV FUNDING the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 02/02/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear RESURGENT CAPITAL SERV ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 05/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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CFPB THIS IS NOT A DUPLICATE COMPLAINT.
Dated on XX/XX/2022 CFPB Complaint ID : XXXX XXXX stated We take our customer service and consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions.
I, XXXX XXXX, a federally protected consumer, am filing this with the Federal Agency Consumer Financial Protection Bureau against the company Resurgent Receivables LLC.
I am aware Resurgent Receivables LLC is attempting to collect an alleged debt from I, XXXX XXXX, and I refuse to pay the alleged debt. I am aware Resurgent Receivables LLC is in noncompliance with the law 18 U.S. Code 894 - Collection of extensions of credit by extortionate means.
( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( XXXX ) to collect or attempt to collect any extension of credit, or ( XXXX ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.
I am also aware that Resurgent Receivables LLC has my private and personal information in their possession which is my name, date of birth, social security number federally known as Credit Card ( Pursuant to 15 U.SXXXX Code 1602 ( l ) ) without my consent and furnishing it to the public ( Credit Reporting Agencies ). Resurgent Receivables LLC stated With its purchase of the Account, the Current Owner acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus. if eligible. Currentlv. this Account is being reported to the credit bureaus on behalf of the Current Owner. I did not give any written instructions or permission to Resurgent Receivables LLC to purchase any account which helps me understand Resurgent Receivables LLC is in violation of The GrammLeachBliley Act.
Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. I have demanded Resurgent Receivables LLC to delete the account from all credit reporting agencies and cease all communications, resurgent continues to be in noncompliance. I do not want these company furnishing my private information. I have a right to privacy as a consumer and Resurgent Receivables LLC is in violation and must be held liable for all unlawful actions. I am demanding payment of all the violations mentioned above.
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| 03/16/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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1.I have never had an account with this company LVNV FUNDING LLC XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LVNV FUNDING LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 03/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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1.I have never had an account with this company LVNV FUNDING LLC , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LVNV FUNDING LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 09/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
1.I have never had an account with this company LVNV FUNDING XXXX, REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LVNV FUNDING LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to
innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I would like to file a complaint regarding two accounts XXXX is reporting. I have sent disputes to XXXX multiple times reporting the errors in their reporting but somehow XXXX continues to respond the accounts are verified as accurate. This is very confusing because the two accounts are reporting the same collection, yet they are reporting completely different information? Account XXXX is reported by XXXX with the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX and the amount owed as {$3500.00} and LVNV is reporting the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX with the amount owed as {$2400.00}. This is the exact same account as reported by the account number. That can not be possible, this is one account with one original Date Of Delinquency and one balance amount. I have also reported to XXXX that I did not believe this account was mine due to another family member having the exact same first, middle and last name. Yet again, XXXX does not even acknowledge my disputes. I have requested validation from XXXX and LVNV and NEITHER have provided ANY information showing this account belongs to me or proof that what is being reported is correct. XXXX and XXXX have both deleted these accounts from my report because they were unable to substantiate the account. What information does XXXX have to report these accounts? And if XXXX has correct information, then why are these accounts reporting with completely different Dates Of First Delinquency and different amounts reported? Arent all three of these issues violations? Why is XXXX continuing to report these accounts if they have not and can not be verified? And why has XXXX completely ignored my requests for an investigation, yet continued to report the accounts? Can you please direct me to the proper channels so that I may hold XXXX accountable for the blatant negligence, failure to investigate and continued reporting of these accounts with obvious errors even after I have repeatedly provided XXXX the information to make an educated decision. I am also including LVNV in the complaint due to re-aging of the account. These accounts are definitive, they are supposed to have only one open date, one close date, one date of first delinquency and one date of last payment and those dates are required to report the same. LVNV has re-aged this account to make it appear newer in attempt to further damage my credit ; in which both XXXX and LVNVs false reporting have hurt my credit substantially.
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| 05/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 05/21/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 10/16/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Happy Friday XXXX! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 10/16/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 03/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 03/14/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX has two accounts in collections on my credit. When asked to validate the debts ( one for {$690.00}, one for {$400.00} ). They did not respond.
They sued me in small claims last year ( XX/XX/XXXX ) for the line item on my credit report with a {$690.00} amount. I came on the date to answer and told their attorney that I did not know who he was. He set a court date with the clerk. XXXX XXXX did not show up for the first primary hearing and I filed a motion for them to provide validation of the debt, including signed contracts ( not provided in the claim ), an assignment of debt that isn't just an over night dump ( not provided in the claim and without my name attached ), and how they came up with these amounts.
I have never worked with XXXX XXXX before and have no idea who they are. They did not provide validation for the court within the allotted thirty day time frame, they did not show up for our final hearing, and the case was dismissed. They continue to report these debts. On top of that, I have disputed these with XXXX, XXXX, and XXXX, and even with giving them court papers showing that the debt has not been validated, they continue to report these debts as accurate because after disputing, XXXX XXXX continues to report them to the CRAs that way.
I contacted XXXX XXXX immediately after the court dismissed the case, letting them know that they need to quit reporting to the credit reporting agencies, and I sent the credit reporting agencies proof and court documents that this debt is not validated, yet after disputing with the CRAs and providing the CRAs with the court documentation and the creditor 's lack of validation necessary to verify a debt ( or even collect successfully in a court ), XXXX XXXX is continuing to report these debts as verified.
XXXX XXXX did not list the item as disputed on my credit reports, and they were under dispute since litigation began on XX/XX/XXXX. I have credit reports printed out from XXXX still showing that they were not listed as disputed up until 3 weeks ago. This is a violation of the FDCPA.
I am exhausted from asking this company I've never worked with for validation that these two debts are mine, and they have continually violated the FDCPA ( did not list debt as disputed, verifying debts to the CRAs that they can not validate ).
XXXX, XXXX, and XXXX continue to report these unvalidated debts even after countless phonecalls and attempted disputes.
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| 08/28/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services LP for their willful violation of my consumer rights and predatory collection practices. I am deeply concerned about their conduct in attempting to collect on an unverified debt, despite my multiple attempts to verify the alleged debt. This harassment has not only caused me undue stress but also constitutes a clear breach of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.
The details of the violation are as follows : Collection Agency : Resurgent Capital Services LP Address : XXXX XXXX XXXX, XXXX, MI XXXX Timeline of Events : 1. XX/XX/2023 : I received a communication from Resurgent Capital Services LP regarding an alleged debt that I have no recollection of. Recognizing my rights under the FCRA, I immediately requested verification of the debt in writing.
2. XX/XX/2023 : I received an account summary from Resurgent Capital Services LP which did not produce a legally binding agreement ( in the form of any original contract ) or documentation confirming that Resurgent Capital Services LP is permitted to collect debts within the state of Maryland. Once again I requested, I followed up with a second verification request, once again adhering to the formal written communication method.
3. XX/XX/2023 : To my dismay, I received the same account summary itemizing the alleged debt that does not constitute as a legally binding proof of ownership of said debt and does not constitute authorization that Resurgent Capital Services LP is permitted to collect debts within the state of Maryland. I submitted written notice that the companydid not provide valid verification for the alleged debt within the 30-day timeframe as required by current FCRA laws and any additional attempts to collect on said alleged debt is a direct and willful violation of my consumer rights 4. XX/XX/2023 : Since then, I have continued to be harassed by Resurgent Capital Services LP with aggressive correspondence, demanding payment for a debt that remains unverified.
This situation is deeply distressing, as it not only negatively impacts my mental and emotional well-being but also points towards a deliberate disregard for my consumer rights. The actions of Resurgent Capital Services LP are in direct violation of the FCRA, which explicitly outlines the requirements for debt verification and the consequences of non-compliance.
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| 11/03/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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In late Spring XXXX, I noticed a new XXXX XXXX credit card on my credit report that was not mine. I contact the bank, provided them with the information they requested and received a letter dated XX/XX/XXXX indicating that they had investigated and held me 'not responsible ' for a credit card ending in : XXXX. It was removed from my credit report. I thought it was a one-time fluke, and perhaps it was.
However, in XXXX XXXX, my identity was stolen and 5 credit cards were taken out in my name and my checking and savings accounts were compromised. In addition there were 5 other hard inquiries ( that I did not make ) where the thieves tried to take out even more cards in my name.
I discovered the theft when I applied for a new credit card and was declined and by that time each of the credit cards had been charged to the maximum credit limit and all were late, dramatically dropping my credit score.
The thieves used the address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. An address that is not nor was it ever mine. Because the thieves used it the address showed up on my credit report. Only within the last month have XXXX and XXXX agreed to remove the XXXX XXXX address from my credit report.
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted the credit card companies and XXXX and XXXX. I provided each company with what they asked from me and 4 of the accounts were closed and removed from my credit report except the XXXX XXXX credit card ending in : XXXX.
After sending in the information that XXXX needed for the XXXX ' account I received a letter dated XX/XX/XXXX. Indicating that they had conducted their investigation and quoting from the letter : " determined the application and subsequent account to be authorized and not fraudulent based on the following : A credit card and monthly billing statements were sent to : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. '' I tried to contact XXXX several times thereafter and sent another letter telling them what I am writing here - that I have never lived at the XXXX XXXX address, therefore never received the card, never charged anything on the card.
This past week I called XXXX XXXX to ask about the 'derogatory comment ' on my credit report and the resulting drop in my score. I learned at that point that the account had been turned over to a collection agency - Pyod. The XXXX representative told me I would have to call the collection agency and refused to speak with me further.
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| 08/23/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.
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| 06/14/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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HI LVNV FUNDING/XXXX XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX an
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| 11/14/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
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| 12/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have been placed in collections on XX/XX/2018 by LVNV Funding LLC for the balance {$520.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt.
This is not a request for " verification '' or proof of my mailing address, but request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 { b } that your claim is disputed and validation is requested.
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : - What the money you say I owe you is for?
- Explain and show me how you calculated what you say I owe : - Provide me with copies of any papers that show I agreed to pay what you say I owe : - Provide a verification or copy of any judgement if applicable.
- Identify the original creditor.
- Prove the Statute of Limitations has not expired on this account.
- Show me that you are licensed to collect in my state.
- Provide me with your license numbers and Registered Agent of Service.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } requests shall be sent to me immediately.
If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } requests shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties ) be made by your company to my home phone, cell phone or my place of employment.
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| 12/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have been placed in collections on XX/XX/2018 by LVNV Funding LLC for the balance {$840.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt.
This is not a request for " verification '' or proof of my mailing address, but request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 { b } that your claim is disputed and validation is requested.
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : - What the money you say I owe you is for?
- Explain and show me how you calculated what you say I owe : - Provide me with copies of any papers that show I agreed to pay what you say I owe : - Provide a verification or copy of any judgement if applicable.
- Identify the original creditor.
- Prove the Statute of Limitations has not expired on this account.
- Show me that you are licensed to collect in my state.
- Provide me with your license numbers and Registered Agent of Service.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } requests shall be sent to me immediately.
If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } requests shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties ) be made by your company to my home phone, cell phone or my place of employment.
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 09/21/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 01/17/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 10 % Balance {$50.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$500.00} 0 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$50.00} {$500.00} 10 % Revolving Negative XX/XX/XXXX These two accounts are the same and are being reported inaccurately in the fact they are the same company and are trying to appear as the same debt is 3 deliquent accounts instead of just the one original one. In addition to this, the terms and amounts of debts are all incorrect and being reported inaccurate. I asked for this account to be validated in writing from the original creditor once I saw it being reported on my XXXX Credit Report. I was not even sure I owned this debt to begin with. The company told me they would not mail me a validation, but would mail me the current bill not including the intrest as that could not be calculated until the final bill was paid. I was unsure how this made no sense but still said I needed a validation letter as well. Regardless, I received neither. In addition I was never notified in writing that the debt had been sold to a new collection company so that they could at least provide me with the deatils of this account that I still am not sure it is mine. I know XXXX XXXX has been involved in law suits with consumers recently and came to court unprepared to show proof of ownership and have had many complaints filed against them regarding their unscrupulos and fradulent debt collection practices.
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| 10/08/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 08/31/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Your company is attempting to collect a debt without a contract. According to XXXX5 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$120.00}, There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.
Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship.
I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Deletion from all consumer reports 2. Clear away any alleged balance owed 3. Pay as per the attached invoice ; {$8000.00}.
You shall be granted twenty ( 20 ) days to respond.
Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.
Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.
Evidence to prove personal knowledge may consist of the witnesss own testimony.
If there is no response to this letter within five ( 5 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws.
Thank you for your attention to this matter
|
| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 12/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 12/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 12/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 11/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 11/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 11/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )
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| 08/30/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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There are actually a FEW problems with the debt collectors XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 1 ) They are misrepresenting themselves. XXXX has been reporting to the 3 major credit bureaus, but all of a sudden, around XX/XX/2018, I get a letter from a XXXX XXXX XXXX XXXX , XXXX ( XXXX ) The letter is misleading and appears as though XXXX are the NEW holders of the debt ; however, XXXX continues to report on my reports months later! 2 ) Alongside the previous, they are essentially trying to collect the debt from two companies ( and I have proof of this ). They are two separate companies with two separate addresses, yet one is reporting to the bureaus ( with their own address, mind you ) and the other decides to randomly pop up with a letter and I'm sitting there like 'who is this? '. In fact, I never signed a contractual agreement with EITHER company. 3 ) I did not receive ANY verification of the debt 's validity after I disputed thru the bureaus and directly with them both. Lastly, 4 ) after disputing with both companies directly, I NEVER HEARD FROM EITHER COMPANY. They didn't respond to me and they did not provide verifiable proof of the account 's validity ; this is/was to be an original consumer contract bearing my signature. They violated the FCRA and FDCPA by dismissing my debt validation letters, as well as the disputes from the credit bureaus -- the bureaus also being complicit in this -- and CONTINUE to do so by still reporting this unverified, invalidated account. I wrote directly to both XXXX and XXXX and I clearly state in my letters, " If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately. '' The letter was dated XX/XX/2018 ; it is now XX/XX/2018. Under the FCRA, they are required to delete the false account. I have attached copies of the letters to them, as well as a screenshot of their account on XXXX ( just in particular ) and a copy of the third letter to XXXX ( redacted ), showing what I sent them and the other bureaus -- and essentially how despite this, they continued to allow this unverified account to remain on my credit report. ( All the bureaus did, and I am outraged at this. )
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| 10/17/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )
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| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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LVNV Funding and True Accord Violated my rights consistently from XX/XX/XXXX to XX/XX/XXXX when I asked them to Verify the account by providing me with a signed contract which they didnt. I do not have a contract with any of these company.
15 U.S. Code 1692c, section a states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692c a 1 states that a debt collector should not communicate with the consumer at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX, local time at the consumers location ; 15 U.S. Code 1692b section 2 states that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot state that such consumer owes any debt ; 15 U.S. Code 1692b section 5 states collection agencies can not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692b ( 2 ) states that the collection agency should not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; also none of these collection agencies are located in my State.
they also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A states that I have the right to privacy.
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| 10/24/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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So I received my credit profile 's from XXXX & XXXX which both include 2 collection account 's placed with LVNV. I sent them a debt validation letter which I never received a response. So last week I contacted them via phone, explaining how I requested proof of the debt. They informed me it was a cease & desist on the account to speak with me I need to allow them to remove it. So I proceed & explained how I would like proof this is a valid debt if not I would file a police report at my local police station, regarding these accounts. Credit one the orginal creditor deleted their reporting I do not understand the issue with the collection agency.
lvnv Funding Llc Opened XX/XX/XXXX {$920.00} Original creditor : XXXX XXXX Lvnv Funding Llc Opened XX/XX/XXXX {$830.00} Original creditor : XXXX XXXX XXXX N A Dear Sir / Madam, I have recently disputed a derogatory mark for collections on my credit report from LVNV Funding, LLC. I have never received any form of Initial communication stating I was the consumer and without my knowledge or any form of initial communication this debt was also added to my credit report. The notice was not received in the allotted time given by the FDCPA for me to dispute or validate this alleged debt. For this reason I have no information on account number or file numbers. I am disputing the validity of this entire debt. I am requesting validation of this account per the Fair Debt Collection Practices Act Sec. 809. I would like to acquire the following information for the purpose of validation : Documentation from the original creditor of the following ; Original date of default or non-payment of the debt The last valid payment to/toward the above creditor Name and address The original balance The date of transfer from the original creditor to the debt collector The date ; in which LVNV Funding, LLC made initial contact with me about my debt. ( The initial phone call and written notice. ) FDCPA Sec. 809. ( a ) Notice of debt ; contents The current balance of debt. This is not an acceptance nor acknowledgment of this debt. Note that these are the rights given to me by the Fair Debt Collection Practices Act which allow me to dispute and validate my debts. If LVNV Funding LLC can not provide the following evidence within 30 days of receipt, all consumer reporting agencies must be notified to delete this trade line and cease collections of this debt Sec. 809. ( b ) Thank you
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| 11/16/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information or endorsed an instrument with them. Pursuant to 12 CFR 1006.6, more specifically subsection ( c ), this is a notice to cease all communications as the Fair debt collection practices act describes it which includes both direct and indirect communication on ANY medium except that you may ONLY communicate with me under the stipulations that you will send me validating information such as the entire purchase agreement ( and other validating data ) and/or to respond to ANY complaints from the Consumer Financial Protection Bureau ( cfpb ). In case this company feigns ignorance, I attached a screenshot of the XXXX website explaining how the FDCPA defines communication. I did not endorse an instrument with LVNV FUNDING nor have they provided proof that I did with my wet ink signature, they only purchased a contract and are trying to collect without having it endorsed first which violates Uniform Commercial Code 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee
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| 09/03/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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LVNV Funding, LLC ( hereafter referred to as " LVNV '' ), filed a lawsuit against me in XX/XX/XXXX ( Case # : XXXX ) for a debt I DO NOT owe. I challenged their lawsuit and, on XX/XX/XXXX ( see Judgment of Dismissal, attached ), I prevailed when LVNV filed a Dismissal because they couldn't prove their case that the collection account was mine.. On XX/XX/XXXX, I filed a Cost of Suit ( Memorandum of Costs ) in the amount of {$240.00} ( see MoC and Proof of Service ) and on XX/XX/XXXX ( see Memorandum of Costs and proof of service ), I served their attorneys of record, XXXX XXXX XXXX , a copy of the Memorandum, but heard nothing back. I waited almost a year, until XX/XX/XXXX, for a response and when I did not receive one, I filed a [ Proposed ] Judgment of Dismissal ( see Judgment of Dismissal, attached ), the Judge signed it, and I served them a copy ( via their attorneys of record ), and finally received a check for the amount of {$240.00} ( see XXXX XXXX XXXX XXXX and copy of check, attached ). LVNV 's filed Dismissal of the case proved that I was correct in asserting that the debt is and has NEVER BEEN mine, and they must remove reporting of it from all credit bureaus. On XX/XX/XXXX ( see Letter to LVNV with certified mail and return receipt ), I pulled my credit reports from all three major credit reporting agencies and was shocked to find that LVNV continues to report this collection account ( with balance! ) with the CRAs! I disputed this collection account with the credit bureaus that LVNV 's reporting is WRONG and must be removed under the FCRA. The 3 major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) responded that they " investigated '' with LVNV and it was -- shockingly -- verified as being accurate! On XX/XX/XXXX ( see Letter to LVNV ), I sent LVNV a letter to have the collection account removed but they continue to ignore me. Three years have passed, my credit score has remained BAD due to LVNV 's constant erroneous reporting of an account that IS NOT MINE but they and the credit reporting agencies ignore any attempts by me to have it removed.
I'm at the point that I need CFPB 's help. They *will* listen to you.
Today, as LVNV continues to report this collection account illegally, I'm in the position that I have to find another rental home. Due to LVNV 's illegal reporting, it's almost impossible. I need them to remove this collection account from my credit reports A.S.A.P.!
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| 08/30/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2023, I mailed Resurgent Capital Services L.P/LVNV Funding LLC an initial letter requesting full debt validation of the alleged debts in question : Account # XXXX, # XXXX, # XXXX, # XXXX ) via Certified Mail. Resurgent Capital Services L.P/LVNV Funding LLC received my initial letter on XX/XX/2023. After XXXX days, I did not receive a response from Resurgent Capital Services L.P/LVNV Funding LLC , so I mailed my second letter requesting full validation for the alleged debts in question again via Certified Mail on XX/XX/2023. Resurgent Capital Services L.P/LVNV Funding LLC received my second letter on XX/XX/2023. After waiting for an additional XXXX days, Resurgent Capital Services L.P/LVNV Funding LLC failed to send their responses.
On XX/XX/2023, I received a letter from Resurgent Capital Services L.P. stating that the alleged debt was placed in their prelegal collection track on XX/XX/2023 and will soon be reviewed for further action and may be forwarded to an attorney to review for possible lawsuit. I have never received any correspondence for my previous requests for proper debt validation of said debt from Resurgent Capital Services L.P. and now I am being threatened with legal action when this company has yet to properly validate alleged debt ( s ). Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify the alleged debt ( s ). I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. These debts are not mine and I was given no evidence of my obligation to pay this debt to this collection agency. As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, Resurgent Capital Services/LVNV Funding LLC has continued to report these alleged debt ( s ) on my credit reports as of XX/XX/2023, which is considered a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. I do not know who Resurgent Capital Services/LVNV Funding LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt ( s ) nor do I agree with these alleged debt ( s ) on my reports as I never signed anything with such agency.
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| 09/29/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from
identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has re sulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection
with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
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| 05/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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There a re XXXX compan ies reporting a delinquent account that originated with a 60 month loan with XXXX that was secured by a vehicle. T he Loan was originated on XX/XX/XXXX for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on XX/XX/XXXX . I paid this loan as agreed until Approximately XX/XX/XXXX when the loan was transferred to XXXX XXXX for servicing. I was notified by XXXX XXXX that my balance was still {$13000.00} after I had been paying my payments since XX/XX/XXXX ( 5 years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on XX/XX/XXXX which I refused via fax on XX/XX/XXXX and asked them to come and pic k up the car that the loan was secured on. XXXX XXXX then transferred the Loan to XXXX XXXX who also tried to collect before selling the account to LVNV funding. I currently have a delinquent closed account being reported on all XXXX of my credit bureau reports by XXXX XXXX XXXX for the loan which was originated with XXXX as well as a delinquent Open Collection Account on all XXXX of my credit bureau reports by LVNV Funding in the amount of {$13000.00} which again was originated with XXXX . My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the XXXX XXXX Welcome Lett er ) ; comple tely different than the Original Note ( Shown on the XXXX Loan Origination Note ) Th e XXXX XXXX Welcome letter does however reflect the correct XXXX Loan/Account number and corresponding XXXX XXXX account number, which is then referenced by XXXX XXXX an d LVNV Funding. I will also include a letter from XXXX stating that they no longer have any of the documents of my real estate loan that was originated with t hem ( it was actu ally a 60 month vehicle loan that originated on XX/XX/XXXX ) s o t hey will delete the account from my XXXX agency credit reports. I would like to have any delinquent accounts associated with the Loan that was Originated with XXXX be deleted from all XXXX of my credit bureau reports PERMANENTLY Deleted.
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| 10/06/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This is in reference to an alleged debt Ive been harassed and abused by Resurgent/LVNV Funding for. I was notified by your company of the alleged debt again recently on XX/XX/2022.
According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially.
Resurgent/LVNV Funding and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements as well as a copy of a Consumer Contract as evidence of the debt but as per the judgment in the case of XXXXXXXX XXXX XXXX XXXXXXXX a copy of the Consumer Contract is not sufficient evidence of debt.
Due to your continuous act of deceit, coercion, and intimidation, I am forced to take further litigation and seek compensation for damages through a competent common law court. All communications and omissions will be made part of and incorporated into any litigation arising from this matter. If any negative mark continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Aggravated Identity Theft and Conspiracy. The alleged " " creditor '' reported this on my Consumer Report as " charged off. '' It means that the creditor will no longer attempt to collect this alleged debt owed by them. I would like to know for what price did you purchase this debt?
I hereby grant your Resurgent/LVNV Funding the opportunity to amicably resolve the matter by way of doing the following ; 1. Deletion from all consumer reports 2. Clear away any alleged balance owed THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
You shall be granted thirty ( 30 days to respond. If there is no response to this complaint within the prescribed time period, all legal rights shall be explored, including, but not limited to legal proceedings necessary in accordance with State and Federal laws.
Thank you for your attention to this matter
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| 08/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
Servicemember |
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LVNV simply refuses to report my payments to have been made... I have paid in full through my payroll. (attachment showing with check numbers, and we have checked, all show cashed). Not only are they not reporting my payments but they have removed the collection of $XXXX (the original amounting showing owed) then added it back on as a new collection of $XXXX hitting me for 49 pts. Then removed it, not showed paid, just removed so I dont get any of the pts given back... then re-added the $XXXX as a new collection hitting me again for a large hit to pts. Then added a brand new collection for the exact same account but for $XXXX hitting me yet again for another massive pts hit. On one report I am actually showing LVNV collection on this same debt for all 3 amounts separately after they have removed it once and re-added it, then added 2 more in different amounts. I have tried and tried to not only get them to provide validation of debt which they have not done, but doesn't matter now anyway, that case was closed because they replied back, regardless the information provided to be fact or not. BUT, in the case of them refusing to show my balance paid off... it isnt being done. NOT REMOVED because its been paid, but actually showing paid. I deserve to get my pts back for the payments and not keep getting retaliated against by their shady ways and getting hit for over 100 pts now in the removal and adding of the same account and then not get anything rewarded back for making payments... which was under false pretenses in itself. They hired a 3rd party to send where they filed the writ of garnishment so we thought it was being issued legally and that is what we this from... come to find out the actual order of garnishment was never signed and never issued and we were not to have made any of these payments... of course now its too late, we have made them all in the total of $XXXX without any order of garnishment ever being signed. They have now filed for ANOTHER garnishment in the amount of $XXXX on the exact same account and NOT reporting that I have paid off this one. Thank goodness I we called XXXX County to find out if we had to pay any more than the writ of garnishment as they were telling us we had to and found out they had filed another writ for another amount AND that the one we had paid was never signed or ordered. This is NOT an honest company at all!!
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| 05/29/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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This company XXXX XXXX XXXX also operates as Resurgent Capital Services and they respond to me as Resurgent Capital Services, but the credit report states they're XXXX XXXX XXXX.
I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months.
Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature.
Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$700.00}.
The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance.
Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself.
Please advise immediately how you expect to proceed.
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| 06/21/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have complaints with LVNV : 01 XXXX XXXX XXXX balance they claim is the original creditor. The account was opened in XX/XX/2018. At that time I was in XXXX shelters without enough income to qualify or need a credit line. My mail was still being sent to XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX. I think it was stolen from the mailbox, and a card account was made illegally. I do not owe this amount, and would like this taken off my credit report along with derogatory remarks.LVNV also has a XXXX XXXX XXXX XXXX account that I am not aware of the amount of that is XXXX. I'm not sure of it's origin. I did not apply for this card. It has derogatory remarks that I would like removed from my reports.XXXX XXXX XXXX has been paid in full, and I would like it taken off of my report, and any derogatory remarks.XXXX XXXX XXXX XXXX a former XXXX XXXX Account has been paid in full, and I would like it taken off my credit report, and any derogatory remarks.XXXX XXXX orginial creditor 08 XXXX XXXX is being settled as soon as they send me a letter stating they will take the derogatory remarks off my report, and report as a settled account. It also was a charge off, and I would like any charge off accounts that are paid or settled removed. XXXX XXXX XXXX has an orginial creditor account with XXXX XXXX I am unaware of its origin. I would like it removed from my report, along with any derogatory remarks. XXXX XXXX XXXX has a closed account I would like removed along with any derogatory remarks. I was in XXXX shelters, and my XXXX did not pay the car bill. I relinquished the car after I found the address he was living, but they will not remove the bill, or remarks. Considering the situation I would like this deleted. The car loan was XXXX. I relinquished the car willingly, and they still want XXXX. I had already paid 2 1/2 years of payments of XXXX. They sold the car at auction and got XXXX for the car. I'm not sure how they're math is possible, or their morals. I would like any derogatory remarks removed. XXXX XXXX XXXX XXXX has an account I do not know what is. The way it is listed it looks like an account that was paid every month, but wasn't used frequently. It was closed while I was in XXXX shelters. Please remove it and any derogatory remarks or charge offs from my credit report. The credit limit is XXXX and the amount owed is XXXX dollars since the account was always paid.
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| 02/25/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This complaint is based on violations of the FCRA, the FDCPA On XX/XX/2018, I reviewed my credit reports and saw a collection account reported by Resurgent capital claiming they purchased a debt from XXXX XXXX. I was never aware of this account and had no opportunity to dispute the debt prior to this period.
___ On XX/XX/2018, I mailed to RESURGENT CAPITAL a demand letter pursuant to XXXX Chapter 93A and a request for validation of debt. I requested all of the required materials under FLORIDA. law 940 CMR 7.08 ( 2 ) and 209 CMR 18.18 ( 3 ). These materials include ( a ) all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected, and ( b ) a complete transaction history which reflects the date and amount of payments, balances, and charges concerning the debt. My letter also included the very same form letter provided on the website of the CFPB for consumers to request validation of an alleged debt.
XXXX On XX/XX/2018, resurgent CAPITAL received my letter via certified mail.
___ At no time did they validate the debt by providing the required materials under Massachusetts law, nor did they provide the answers and documents as prescribed by the form letter issued from the website of the CFPB.
___ I disputed the account thru the credit reporting agencies. My dispute included that ( a ) I had no knowledge of the account and ( b ) that resurgent capital failed to validate the debt as required by [ florida LAW ] and the Consumer Financial Protection Bureau.
___ Between the dates of XX/XX/2018 XXXX, I received the results of the investigations from the credit reporting agencies, where XXXX had falsely verified the account, despite their failure to validate the debt as required by FLORIDA law and the FDCPA.
CFPB Complaint Resurgent capital failed to validate the debt as required by state and federal law can only be construed that they do not possess the required materials to support its claims that they are owed this debt, including the accuracy thereof.
I do not have a signed contract nor any contract with this company. Iam not liable for the collection from this debt from XXXX XXXX XXXX or resurgent capital. Iam not responsible for debt and this debt needs to be removed from my all credit reports.
I WANT THIS REMOVED FROM ALL CREDIT REPORTS.
THIS COMPANY IS REPORTING FALSE INFORMATION
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| 04/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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The event begin occurring as of Thursday, XX/XX/XXXX, at XXXXam.
A lady, who identified herself as XXXX and calling from a blocked number, indicated that she was a representative from the XXXX XXXX XXXX dispatch office. She then proceeded to ask me if I was home and if XXX was my home address. I told her no, and asked what this was in reference to. She mentioned she was in possession of legal documents to deliver to my home and that XXXX XXXX XXXX were the legal entity. I then requested for the XXXX XXXX XXXX phone number, and she gave as XXXX.
I immediately call that number and was greeted by an individual named XXXX. He mentioned a case number, in addition to the amount that was apparently in question. He said that XXXX XXXX XXXX was suing me a credit card amount, dating back to XXXX. He began to become irate when I questioned him about the statue of limitations which I thought was odd. He also indicated that if I had the means, I should just make a payment to him over the phone. This was also a red flag, as I was then asked him why would I do that if the office I called was a law firm? Is it standard practice for law firms to collect payment 'FOR ' entities they represent? I then asked if he was a credit debt collector or law firm, and he replied law firm. I then requested to speak with his lead and he hung up the phone. I called the number back and this time he had a very nasty attitude and indicated that I could not speak to anyone above him, and in fact the reason he gets paid the big bucks is to handle 'individuals ' like me. We ended the call, and I proceeded to call my local precinct.
I was told by the precinct that no one makes phone calls to individuals from the dispatch office, and neither does the Constable 's presiding office make phone calls to request confirmation of one 's address in order to serve any legal instrument.
I've also since called the XXXX XXXX XXXX bank to confirm understanding of what was told to me about a particular account, as there is no such card on my credit report. The representatives confirmed that the account is no longer with XXXX and there is no active litigation in process with the company the loan was sold to.
I have since contacted the Federal Trade commission and all 3 credit bureaus to place alerts on my SSN. However, I'm concerned that these black market cyber pros will take my SSN and try to do something harmful.
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| 03/31/2015 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had a XXXX Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my eyes. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted XXXX and was told that Resurgent Capital Services was had the account. I contacted them and was told that they had not received the money from XXXX yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from XXXX and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past 2 moths experience has no confidence that I will hear from anyone at the company.
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that XXXX nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.
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| 07/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am writing to dispute the accuracy of the information on my credit report, specifically regarding a collection account that is listed under my name. According to my credit report, I owe LVNV FUNDING LLC the amount of {$710.00}. However, I possess a letter from XXXX XXXX dated XX/XX/XXXX, which clearly indicates that the debt in question is owned by Resurgent Acquisitions, LLC. This discrepancy raises serious concerns regarding the validity and accuracy of the collection account.
Under the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ( FACTA ) in 2003, it is my right as a consumer to have accurate and verifiable information reported on my credit file. Section 611 of the FCRA, codified at 15 U.S.C. 1681i, establishes the procedures for disputing inaccurate or incomplete information.
I kindly request that you conduct a thorough investigation into the reported collection account and take the following actions : Validation of the Account : Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I request that LVNV FUNDING LLC provide me with written validation of this debt, including details of the original creditor, the nature and amount of the alleged debt, and any relevant documentation supporting their claim. This validation must be provided to me within 30 days of your receipt of this letter, as mandated by the FDCPA.
Compliance with Reporting Standards : If LVNV FUNDING LLC fails to provide the requested validation within the specified timeframe, I request that you remove the collection account from my credit report entirely. Under the FCRA, it is imperative that credit bureaus only report accurate and verifiable information. Given the conflicting information between my credit report and the letter from XXXX XXXX, I believe it is necessary to remove this collection entry until its validity can be properly established.
Proof of Ownership : As indicated by the letter from XXXX XXXXXXXX, the debt in question is allegedly owned by Resurgent Acquisitions, LLC. I request that you contact LVNV FUNDING LLC and Resurgent Acquisitions, LLC to verify the ownership of this debt. If LVNV FUNDING LLC is unable to substantiate their ownership claim or if Resurgent Acquisitions, LLC claims ownership, the collection account should be removed from my credit report in accordance with the FCRA.
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| 07/21/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XXXX, XXXX, I placed a complaint about this Debt Collectors company, RESURGENT CAPITAL SERVICES L.P., located in XXXX, SC XXXX XXXX XXXX XXXX, phone XXXX XXXX XXXX XXXX. At that time, they were harassing me, in less than a month they sent me five notifications about an old credit card debt from the year XXXX for {$18000.00}, using confusing language that overshadows and contradicts information.
I respondedto all five notificationsas they arrived because they keptthreateningme that if I don't respond to dispute this debt in 30 days, they'll obtain a copy of judgment. In order for me to respond to them, I had to expose myself ( I'm XXXX XXXX XXXX ) and others to this deadly Coronavirus COVID-19, every timeI had to go to print the response letters, and to the Post Officeto mail them.In all my responses I've disputed this debt and I've asked them to stop contacting me, at least they want to pursue this matter in court, but they haverefused to do it bycontinuing to send me more notifications. Also, I haveverified that the Statute of Limitations for enforcing this type of debt through the courts in Texas has expired ( I have mentioned all of this information on my previous complaint ).
On XX/XX/XXXX, RESURGENT CAPITAL SERVICES L.P. responded to my complaint to theConsumer Financial Protection Bureau ( CFPB ), citing on their 2nd page that : " Our records indicate that XXXX XXXX XXXX submitted a notice requesting that we cease communication with them to this office on XX/XX/XXXX. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that our office initiates no further contact to the customer, except to respond to specific requests received from the customer. Please be advised that the cease and desist notifications received also states that XXXX XXXX XXXX disputes the validity of the debt. '' ( response attached ) I HAVE NOT askedRESURGENT CAPITAL SERVICES L.P. to respond to any specific requests since my lastcease and desist request on XX/XX/XXXX.
On XX/XX/XXXX, once again, they've sent me another notificationusing the same old confusing language that overshadows and contradicts information as the five previousones before I placed mycomplaint on XX/XX/XXXX ( picture attached ).
All six notices are coming from the same XXXX XXXX XXXX, XXXX MI XXXX And the same Correspondence Department XXXX XXXX XXXX, XXXX, SC XXXX
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| 04/24/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX DOBXX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS XXXX LVNV FUNDING LLC XXXX {$750.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX {$750.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOBXX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 09/02/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 08/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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n reference to Complaint ID : XXXX Original issue : LVNV Funding, LLC has not responded with any valid evidence that the debt they claim I owe them is legally theirs to do so. What I receive are poor quality copies of credit card statements. There is absolutely no evidence they are legally obligated to collect from me. LVNV filed a judgement against me Case # XXXX but due to health issues and not able to fight this it was dismissed as a hardship case. I to this day have no evidence this debt is really mine or who the real owner is. I have yet to see a signed contract.
In the reply from LVNV states that there was no contact from me until my current dispute. This is not true what-so-ever. I sent a letter requesting proof of ownership of the so-called account, which they did not respond to ( sent via email & USPS ). I again reached out and asked for the above-mentioned information an again was ignored.
I called LNVN after I was summoned to court ( XXXX ) and the spokesperson stated I could claim hardship after I sent a letter to them which I decided to do since I just wanted this to go away. It was my impression that this would then be removed from my credit report, the thought being as long as it has been removed, I don't care how. I do indeed have financial hardship and was able to honestly send a letter stating so with supporting documentation.
I was instructed by the spokesperson at XXXX XXXX XXXX ( LVNV 's attorney ) that they have filed to the court to dismiss the summons due to financial hardship and that upcoming court appearance would be canceled. I trusted them and now after reviewing again see this was not true whatsoever.
I am a hardworking, honest person that puts my trust in other people ( organizations ) to do the right thing but apparently, I am to gullible to think that way.
Being lied to about something concerning court hearings, etc. is beyond my comprehension.
I called back as a follow up in regards to the dismal and removal from credit report and was again told everything is fine. I asked for copies of the documents filed with the court but never received anything.
I also have NEVER received appropriate documentation with my signature stating this is truly my account owned by so-mentioned company. Who is to say another collection agency won't try the same thing using the same information not verified by any legal documentation.
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| 10/09/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Complaint Against LVNV Funding LLC ( Account Number : XXXX ) I have taken several steps to resolve this matter directly with LVNV Funding LLC and its affiliate, XXXX XXXX XXXX XXXX but they have failed to validate the debt and provide the necessary documentation, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
The details of the complaint are as follows : I do not owe any money to LVNV Funding LLC or XXXX XXXX XXXX, nor do I have any contractual agreement with these companies. Despite this fact, they have been attempting to collect a debt that is not legitimate.
I have sent multiple letters to LVNV Funding LLC requesting information about the alleged debt, including documentation that proves its validity. However, they have not provided me with any clear and accurate information regarding this debt as required by the FCRA and FDCPA.
LVNV Funding LLC 's actions have negatively affected my credit report and financial well-being. Their failure to validate the debt and provide the necessary documentation has caused unwarranted stress and financial hardship.
I believe that LVNV Funding LLC 's actions are not only unethical but also illegal under federal law. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the situation. Specifically, I request the following remedies : a. An investigation into LVNV Funding LLC 's debt collection practices, specifically related to my case.
b. A requirement for LVNV Funding LLC to provide clear and accurate documentation validating the alleged debt within the confines of the FCRA and FDCPA.
c. Removal of any negative information related to this unsubstantiated debt from my credit report.
d. Appropriate penalties or sanctions against LVNV Funding LLC if they are found to have violated federal consumer protection laws.
I have enclosed copies of all relevant correspondence between myself and LVNV Funding LLC, including copies of the letters I sent to them requesting debt validation.
I appreciate your attention to this matter and your commitment to upholding consumer rights. Please do not hesitate to contact me if you require any further information or documentation to proceed with this investigation.
Thank you for your prompt attention to this complaint.
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| 10/30/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( LVNV Funding LLC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name XXXX XXXX XXXX : house of XXXX XXXX.
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
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| 11/08/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Subject : Cease and Desist Harassment under Consumer Law ( 15 USC 44, 12 USC 83 ( a ) ) Dear [ Debt Collector 's Name ], I am writing to address a matter of grave concern regarding your company, LVND Funding, and its persistent and troubling collection practices. This letter serves as a formal complaint and demand to cease and desist the harassment I have been subjected to in violation of the Consumer Financial Protection Act ( CFPA ), 15 USC 44, and relevant federal statutes, including 12 USC 83 ( a ).
Since 2018, I have been receiving an excessive and alarming number of phone calls from your agency, LVND Funding, in relation to an outstanding debt. These calls have escalated to a point where I am receiving between 9 to 13 calls per day, which not only constitutes a severe breach of my consumer rights but is also causing a tremendous amount of distress in my life.
Furthermore, it has come to my attention that some of these calls are characterized by foul language, silent calls, and outright harassment. Such behavior is unacceptable and is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) as well as other consumer protection laws. This ongoing harassment not only disrupts my daily life but has a detrimental impact on my overall well-being.
I would like to remind you that the Congress passed the FDCPA to ensure that consumers are protected from abusive, deceptive, and unfair debt collection practices. These calls clearly contradict the principles set forth by the FDCPA and related regulations.
I demand that LVND Funding immediately cease all forms of harassment, including but not limited to the excessive number of calls, foul language, and silent calls. This persistent harassment has caused severe hardship in my life, especially considering the challenging economic circumstances we face today.
I also request that LVND Funding complies with all relevant federal and state laws regarding debt collection practices. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights and seek remedies provided by law.
I expect a prompt response to this letter, confirming your commitment to cease the harassment and outlining the steps you will take to rectify this situation. Your cooperation in this matter is not only a legal obligation but also a crucial step toward resolving this issue amicably.
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| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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LVNV and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Account # XXXX was deleted from XXXX on XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials.
( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments.
Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer.
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's OfficeXXXX XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights.
I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.
|
| 04/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Older American |
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LVNV FUNDING LLC allegedly bought an account in XX/XX/XXXX from XXXX XXXX, XXXX. This account was first noticed on a credit report XXXX XXXX. I paid XXXX final bill after we moved from the service location. Once we found out about the alleged debt, I contacted XXXX. They told me that they sell their debts to LVNV FUNDING , LLC and the SHERMAN COMPANIES. XXXX said there are NO RECORDS of me owing WINDSTREAM anything. If fact, they had no records at all. I went on XXXX XXXX and tried to dispute the debt. Finally, on XXXX XXXX, XXXX, I received a letter, dated XXXX XXXX, XXXX, from RESURGENT CAPITAL SERVICES who works for LVNV FUNDING , LLC about the alleged debt with XXXX. They said that they were " reviewing the inquiry recently received. '' It also stated that if I did not dispute the debt within 30 days, they would consider it valid. My husband and I then researched LVNV FUNDING , LLC, THE SHERMAN COMPANIES, & RESURGENT CAPITAL SERVICES. We were shocked at the horror stories of people harassed, sued and had their credit and lives ruined by these companies. I spoke to Legal Aid and they help draft a Demand of Validation of Debt to send to RESURGENT CAPITAL SERVICES, which also disputes the debt. Sent Certified Mail, Return Receipt Requested, signed by XXXX XXXX on XXXX XXXX, XXXX, ( USPS Tracking said letter arrived on XXXX XXXX ), of RESURGENT CAPITAL SERVICES. They had 30 days to respond. Today, XXXX XXXX is 39 days. Today my husband called RESURGENT CAPITAL SERVICES and spoke to XXXX. XXXX said she did get the Certified letter but they had already validated the debt with me on XXXX XXXX, XXXX. This is a LIE. My husband asked that XXXX validate the debt or REMOVE ALL FALSE INFORMATION FROM HIS WIFE 'S CREDIT REPORTS FROM XXXX, XXXX, AND XXXX. XXXX refused. This is why we/I are filing this complaint. Hopefully I can attach my letters with photos of mailing receipts, etc. I am asking that RESURGENT CAPITAL SERVICES ; LVNV FUNDING , LLC. REMOVE ALL THE FALSE AND NEGATIVE INFORMATION REPORTED TO XXXX, XXXX AND XXXX ABOUT THIS ALLEDGED XXXX ACCOUNT AND BECAUSE OF RESURGENT CAPITAL 'S COMPLETE FAILURE AND DISREGARD TO " VALIDATE '' THE DEBT IN ANY WAY SHAPE OR FORM. Please restore my credit because what they are doing is wrong and false and I am suffering from XXXX, living off of XXXX from Social Security and Medicare. Thank you for any consideration. XXXX
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| 05/26/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XX/XX/XXXX a request for judgment in the amount of {$1100.00} plus costs ( now over {$1400.00} ) was asked on behalf of the XXXX XXXX XXXX from a debt collector through attorneys XXXX, XXXX XXXX XXXX XXXX XXXX acting on behalf of LVNV Funding. I never received notice of this while the Plaintiff tried to reach me via server or certified mail during XX/XX/XXXX because I had moved to XXXX that month. The XXXX XXXX XXXX ordered a notice issued in the XXXX XXXX XXXX. Again, I never read the paper after living in the county and town of XXXX for XXXX years after moving to XXXX in XXXX. A default judgment was awarded to the plaintiff by the court and I only found out about it in XX/XX/XXXX when I received notice I would be garnished in the amount of 25 % of my wages. I contested the garnishment on the basis I was not notified and this was not my debt. On XX/XX/XXXX the judge denied my appeal and the garnishment has continued. I contend that this debt is not mine and I have asked the current attorney, XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX for proper proof that this is my debt. He stated he would have to take some time to do so. In the mean time I have received another letter from XXXX XXXX XXXX XXXX, on behalf of LVNV, for {$3300.00} for another debt that is not mine. I am in the process of asking for proof of this debt. The only negative marks on my credit report are from LVNV and XXXX XXXX, another collection agency related to LVNV. I believe that LVNV is fraudently garnishing my wages and attempting to collect more through illegal and immoral practices. Their license was taken away in Maryland a few years ago and ordered to pay restitution of over {$10.00} XXXX to people they had collected funds from in which they had no right to do so. I am looking for a stop of all collection attempts and garnishments. While the XXXX XXXX XXXX XXXX have followed the law in denying my request for appeal, I believe that this debt must be proven to be mine by the collector before being able to do so. If in criminal court a person is innocent until proven guilty then should n't this also hold true for civil cases? By the way, the only paperwork given to the court by the original attorneys in this case is a blank credit card agreement with no name, social security number, account number, amount, or signature. How can this be used to show that I owe anything to this company?
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| 10/01/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
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| 11/12/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX LVNV FUNDING LLC Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance to the fair credit reporting act of 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681 ( A ) ( 4 ). States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The persons XXXX XXXX XXXX are consumer reporting agencies and I am the Consume. That is federally protected, With birthrights to ensure that my private in personal information isn't shared without my authority which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. LVNV FUNDING LLC is a financial institution according to title 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. A consumer report may be furnished only when the consumer gives the credit reporting agency written instructions or permission to provide a report, LVNV FUNDING LLC i.e the financial institution along with the consumer reporting agencies XXXX XXXX XXXX has never! Obtain permissible purpose from me the consumer to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, And LVNV FUNDING LLC is hereby extinguish, rescind, revoke, cancel, abrogate, annul, nullify, discharge, and make void ab initio. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. LVNV FUNDING LLC have not informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
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| 05/13/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This is a follow-up complaint to the original complaint : As the court assigned Power of Attorney for my Mother, the last couple of weeks I have been in contact with Resurgent Capital Services, via numerous telephone calls, who are owned by Sherman Originator III LLC/ PYOD, to determine if they own debt - {$64000.00} and the lien, that was placed on my Mothers home. A bankruptcy was filed and discharged in XXXX on the {$64000.00}, but somehow the debt and lien still exists and Resurgent Capital Services informed that they " purchased '' the debt in XXXX, from XXXX XXXX XXXX ( currently defunct ). I have requested and attempted to obtain validation of the debt and lien, through Resurgent Capital Services and documents they have provided do not have any identifying markers : account numbers, references to my Mothers name, address, debt amount, etc. The documents provided from Resurgent Capital Services were sent to a Title company, who indicates that the documents are " suspicious looking ''. If Sherman Originator III LLC/PYOD/Resurgent Capital owns this debt and if this indeed a valid debt, I need to obtain verifiable debt validation in order to proceed with the PYOD approved settlement offer of {$6500.00}. Additionally, I need the recording information for the Trust Deed and assurances that after paying the documented settlement offer of {$6500.00}, the account will be satisfied in full ( whole ) and that a reconveyance will be issued on the {$64000.00} lien : : : : : The company sent all requested documents and approved PYOD settlement payment of {$6500.00} was sent and was received by the company, so full said debt should be whole and account closed, but upon contacting the Resurgent last week to follow-up on when the reconveyance papers would be filed, the representative indicated that there was still a balance due of {$58000.00} and that " they have no timeframe to file the reconveyance paperwork ''. I ignored what she stated and assumed that Resurgent had not yet updated their files, but today, I received a letter from Resurgent that mimics what the Customer Service representative stated last week ; that there is still the balance due of {$58000.00}. This is false? The entire debt was resolved via the {$6500.00} approved PYOD settlement offer. Why did I receive this document and when will the reconveyance papers be filed with XXXX XXXX courts?
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| 08/01/2019 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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LVNV is garnishing my wages and stated that I had been served on XX/XX/XXXX and that judgement on the account was on XX/XX/XXXX. My complaint ... oh there are many as this is NOT being handled well AT ALL. They are still not reporting payments made but I will not get into that at this time. In my previous complaint I had concern over the huge difference in amount and being charged interest ... their reply stated that the judgment stated they could charge 10 % from the date of judgment until the judgment was paid in full. So this tiny little balance of an alleged debt they can not show proof by contract or signature for has grown to almost {$1200.00} which has been paid via garnishment in XXXX through my pay. Why if judgement was made on XX/XX/XXXX did they wait until XXXX of XXXX to start garnishing my wages if not to just grow this 10 % interest. I checked my credit reports and my employer information has always been reported, there has never been any question as to where I worked. I also know they were aware of my last employer because they kept calling me AT WORK and threatening me with jail time and garnishment if I did not pay them in full right then and there which I did not believe and told them as much because again ... I NEVER GOT SERVED for this alleged debt. Oh I would have shown up and requested exactly what I have been all along ... proof and validation of debt by contract and my signature which they have not been able to provide. Now I have been told that my employer has to call them to get a pay off amount next week. Even they said in their 30 years of all sorts of garnishments coming out of paychecks, they have never had to call to get a pay off ... they have only ever had to pay the amount provided on the writ provided from the court. So again ... why is this different. I also have never been answered why they demanded my employer provide hem with my personal bank account name, routing and account number? This is very personal private information that was provided to someone I did not authorize. As a victim of identity theft already and still fighting my way through t all I am very protective of my personal information so this makes me very uncomfortable and do not understand why they would have the right to require this information or even need it since my employer is the one garnishing my wages and sending the money in check form.
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| 12/29/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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I was repeatedly lied to about settling with this debt collector by its collection dept at XXXX XXXX XXXX XXXX XXXX debt dept. I called on XXXX XXXX and spoke with a representative and came to an agreement to settle this debt before my court date on the XXXX. I was told if I paid them 1350.00 on the XXXX of XXXX XXXX, that XXXX XXXX XXXX would drop any actions moving forward with judgement. I repeatedly asked them if they would be able to make sure this was taken care of on their end and I would be safe from any judgements from this case. I was told 4x over on that phone call that I was released from any judgement and also that they messaged their paralegal who contacted the lawyer named XXXX XXXX of XXXX Indiana and the message was passed onto them and I was promised that they would drop any further actions and that they would make notes to leave extra messages for this lawyer to stop any actions against me for this upcoming judgement. I also asked for a letter stating this agreement be mailed to me expediated. I got neither. Instead, XXXX XXXX I got a letter stating the account that XXXX XXXX XXXX was suing me for was paid and is on contingent on the clearance of payment I already made to them. Nothing about the agreement to stop pursuing the judgement against me for said account. I got another letter on the XXXX of this XXXX stating I have to sign a new document of a fake settlement offer that did n't take place, tyring to trick me into accepting that they filed judgement against me even though we already agreed that if I paid them 1350.00 on XXXX XXXX XXXX that they would not file against me in court and the judgement would be stopped on that very XXXX XXXX XXXX and I would not need to go to court on the XXXX since this was considered paid there would n't be a reason to show up at court.
This new agreement they drew up states that upon signing, they would file documentation with the courts to close the file. I also have screen shots of my XXXX account showing I paid them on the XXXX of XXXX XXXX. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Please note, if I am refunded my XXXX XXXX card name was not updated to my maiden name ( recently XXXX ) Name on card that was submitted to XXXXXXXX XXXX XXXXXXXX was XXXX XXXX
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| 01/13/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services.
Today XX/XX/13 - I called Resurgent Capital services to try and discuss and settle my accounts.
1. I was informed that the accounts were now with a servicer - XXXX.
2. I was provided the number to contact XXXX and also provided with a reference number.
3. I contacted XXXX verified my identity and then provided the reference number.
4. I was told by the representative with XXXX that my account was listed with a sub-servicer.
5. The sub-servicer was XXXX XXXXXX/XX/XXXXand I needed to contact them to discuss the accounts, any payments and possible settlement.
6. I received just the phone number to XXXX XXXXXX/XX/XXXX I contacted XXXX XXXX XX/XX/XXXX and after providing all of my information I was told that they did not have my account.
7. XXXXXX/XX/XXXX stated that I must contact XX/XX/XXXX because they XXXX have my account. They provided the number to XX/XX/XXXX
8. I contactedXX/XX/XXXX verified my information and was told I did not have an account with them.
9.XX/XX/XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account.
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XX/XX/XXXX and XX/XX/XXXX and that both sub servicers stated that they did not have my account.
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located.
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it????
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus.
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?
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| 11/10/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays date : XX/XX/XXXX ATTENTION DISPITE DEPARTMENT LVNVFUNDG XXXX LVNVFUNDG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNVFUNDG XXXX LVNVFUNDG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Mailing Address : LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Violation of 15 USC 1666 - Demand for Removal of Negative Account from Consumer 's Credit Report Dear Sir/Madam , I am writing to address a serious matter regarding the consumer credit transaction and the violation of federal law as outlined in 15 USC 1666. It has come to my attention that LVNV Funding LLC has reported a negative account on my credit report, despite the fact that the debt was charged off or written off for profit by the original creditor. I am hereby demanding that LVNV Funding LLC immediately removes the account from my credit report in compliance with federal law.
Under 15 USC 1666, consumers are entitled to certain rights and protections in credit transactions. It is crucial that creditors and debt collectors adhere to the provisions set forth by this federal law, ensuring fair and accurate reporting of consumer accounts.
In this case, the debt associated with the aforementioned account was charged off or written off for profit by the original creditor. Therefore, it is a direct violation of 15 USC 1666 for LVNV Funding LLC to continue reporting this negative account on my credit report.
I hereby demand that LVNV Funding LLC takes immediate action to remove the account from my credit report within three ( 3 ) days of receiving this letter. Failure to comply with this request will leave me with no choice but to file a formal complaint with the appropriate federal authorities, including the Consumer Financial Protection Bureau ( CFPB ), and pursue legal action against LVNV Funding LLC for violations of federal law.
Please be aware that such violations may result in severe penalties and damages awarded to the consumer. I expect full cooperation from LVNV Funding LLC in rectifying this matter promptly.
I urge you to take this matter seriously and act accordingly to rectify the violation. Any further contact regarding this account must be made in writing and sent to the address provided at the beginning of this letter.
Thank you for your immediate attention to this matter. I anticipate your prompt compliance with my demand to remove the negative account from my credit report, thus resolving this violation of federal law.
Sincerely, XXXX XXXX
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| 10/04/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a second complaint on another issue with the same account. In the first complaint I had expressed that I was being over charged interest which is true but nothing was done by either the attorneys office or the collections company there is a second complaint that I would like to present is on XX/XX/2010 a civil judgement was granted for a credit card in the amount of XXXX who was owned by XXXX XXXX XXXX and this judgement was a default judgement because I did not go to court to defend myself I have went to the XXXX district court in XXXX XXXX Michigan and there I had ordered and paid for a copy of the file on the debt in question after going through each and every page of what was filed with the court back in XX/XX/2010 there is no loan documents showing that I owe this debt so the court turns a blind eye and stamps a judgement with out proper documentation I call resurgent and have asked for a print out of what they believe I owe and am yet to recieve any documentation on this debt, the attorney 's office who is now handling the account says that it takes complaints very serously so do they have any documentation on this account I am asking for proof that I owe this account and that proof is not a default judgement that I am asking for I would like proper documentation that I owe this account I have attached the proof that was submitted to the court in order to get this judgement, a bill of sale from XXXX XXXX XXXX with no account number or amount on it, a statement of account which is a blank piece of paper with numbers created by someone I'm not sure who, an Affidavit saying I owe this account by someone I don't even know from an attorneys office XXXX XXXX XXXX XXXX XXXX which is now being handled by XXXX XXXX XXXX. Now my complaint is very serious I have a collection company and an attorneys office with a garnishment on my wages my tax return from the state of Michigan was garnished by Resurgent I am asking for proof that this money is owed and that's why I am bringing this in front of the Consumer Financial protections Beauru these company 's need to be exposed for not following the law and providing the courts proper documentation of the debt these collection companies prey on people who don't show up to the courtroom for various reasons and get a judgement from a court who turns blind eye to not having the proper documentation.
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| 05/08/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Dear Sir/Madam : I have wrote several of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.
Items : Resurgent Cap Srvcs Lp Opened XX/XX/XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately!
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.
I have forwarded a copy of this letter to the Federal Trade Commission.
Sincerely, XXXX, XXXX XXXX XX/XX/XXXX SS XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 08/25/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is an ongoing issue with Resurgent. CACH, LVNV they are all run by the same person CEO XXXX XXXX. He is the one responsible for the companies he runs. Many years ago a default judgement was obtained against me by CACH LLC the courts were told I had been served. A lie, I would later prove. I was a victim of identity theft which was reported to the FTC, the police, the social security admin It was reported to all three credit bureaus.I sent this paperwork to all the bill collectors at and everyone was so willing to help and change the way I had been reported. Everyone except XXXX companies. In fact I couldn't get anyone to talk to me all they wanted was my money and I owed nothing. Had they read the paperwork I sent to them at least 15 times they would have seen just how bad the identity theft was. They would have realized that it was not me but someone using my social security number. It could have been taken care of 12+ years ago on some of the larger credit cards. Some did sneak in in XXXX XXXX and nothing now for 5 years. But Resurgent didn't do that they kept reporting me to the three credit bureaus like I was a deadbeat. And they personally ruined my credit bu double reporting on cards, be not reporting that there was identity theft and even today you can see by their response to my last complaint how wrong they are. XXXX wrote a reply he said that my XXXX XXXX card XXXX was activated in XXXX Please see the attached. They have continued to report false untrue wrong things on me. And it doesn't matter that they to date still are reporting me and I am sorry I have been punished for a lifetime because of them. I have had to pay higher insurance rates, I have not had a new car, I cant get a traditional bank account and I am XXXX. Why because good credit opens doors and they have only slammed in my face and this had nothing to do with me. I was the victim they knew this and didn't care. In XXXX they were reporting me double LVNV and Resurgent on the same cards so it looked like two. I have attached my response to XXXX and it will show that my card XXXX was not active as he states in XX/XX/XXXX and I do not owe a XXXX. Again now they are going to remove items off my report They need to remove them the right way not a charge off as they have done with other accounts. Its called Identity theft nothing negative should be on my credit reports
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| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX SSN XXXX RE : Account XXXX Dear LVNV Funding, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I am requesting payment history between me and the original creditors as well name and address of original creditor. I am also requesting to see proof of debt assignment. I request that you cease contacting me via telephone and all future correspondence be in writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.
Intimate knowledge of the creation of the debt by you, the collection agency.
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
I look forward to a speedy resolution of this matter. Sincerely, Your Signature enclosures
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| 09/20/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
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| 07/22/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 11/14/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 03/20/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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You guys have stated in the Letter from XX/XX/XXXX : " we believe the majority of their concerns were already addressed in our response to their previous inquiry ''. Which is not true. You guys never addressed the comment stated on my credit report, as to why if I qualify for FCRA the collection as a comment my credit report is still showing this account, and why this collection is still there. I am attaching the letter.
Another thing, the last payment was made on XX/XX/XXXX meaning you legally have 3 more months to try to get this amount and then after that remove it, according to the state of limitation for collection agencies in FL. 3rd thing I am attaching is the last statements that XXXX XXXX provided via mail back in XXXX. I remember I requested a Credit Card and XXXX XXXX charged {$25.00} one time, and then charged that same amount {$25.00} the same month twice, then got the annual fee again from the previous month, with an increased amount without notice on a XXXX period. I got a credit protection fee I was paying and offered by XXXX XXXX which is stated there on my statement very clearly. So talking about XXXX XXXX, even tho I made that payment ; the next month I was charged a late fee, increasing 2 times the transactions, and raising the fees with me having a credit protection program that they offered over the phone ; in case of missed payments and not having the ability to pay the card.
The last thing, my lawyer sent you guys is a desist letter, which according to the FCRA meets the requirements, and I am waiting for the response to my lawyer 's letter with a copy to myself from LVNV. Also, I got a notification from the Office of the Comptroller of the Currency to escalate this ; which is going to involve LVNV and XXXX XXXXXXXX. So if LVNV is going to cover XXXX XXXXXXXX on their fraudulent practices, which the statements are attached, and other proof that I am facilitating everything to the CFPB, OCC, and XXXXXXXX XXXX attorney. If LVNV is going to continue this journey, LVNV is going to be included in this lawsuit for collaboration in fraud, deceiving, and lying practices as an accomplice with XXXX XXXX.
Credit Protection, is in my statement from XXXX XXXX, meaning credit protection for the customer. So with this said, Good Luck in court and the Federal Agencies on this matter ; cause this is going to stop very soon.
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| 01/13/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services.
Today XX/XX/XXXX - I called Resurgent Capital services to try and discuss and settle my accounts.
1. I was informed that the accounts were now with a servicer - XXXX.
2. I was provided the number to contact XXXX and also provided with a reference number.
3. I contacted XXXX verified my identity and then provided the reference number.
4. I was told by the representative with XXXX that my account was listed with a sub-servicer.
5. The sub-servicer was XXXX XXXX XXXX and I needed to contact them to discuss the accounts, any payments and possible settlement.
6. I received just the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and after providing all of my information I was told that they did not have my account.
7. XXXX XXXX XXXX stated that I must contact XXXX XXXX because they MAY have my account. They provided the number to XXXX XXXX.
8. I contacted XXXX XXXX, verified my information and was told I did not have an account with them.
9. XXXX XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account.
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XXXX and XXXX XXXX and that both sub servicers stated that they did not have my account.
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located.
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it????
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus.
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?
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| 05/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX LVNVFUNDG XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNVFUNDG XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 01/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services.
Today XX/XX/XXXX - I called Resurgent Capital services to try and discuss and settle my accounts.
1. I was informed that the accounts were now with a servicer - XXXX.
2. I was provided the number to contact XXXX and also provided with a reference number.
3. I contacted XXXX verified my identity and then provided the reference number.
4. I was told by the representative with XXXX that my account was listed with a sub-servicer.
5. The sub-servicer was XXXX XXXX XXXX and I needed to contact them to discuss the accounts, any payments and possible settlement.
6. I received just the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and after providing all of my information I was told that they did not have my account.
7. XXXX XXXX XXXX stated that I must contact XXXX XXXX because they MAY have my account. They provided the number to XXXX XXXX.
8. I contacted XXXX XXXX, verified my information and was told I did not have an account with them.
9. XXXX XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account.
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XXXX and XXXX XXXX and that both sub servicers stated that they did not have my account.
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located.
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it????
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus.
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?
|
| 12/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
When this company contacted me over the alleged debt, they are required to provide me with certain information about the debt theyre trying to collect.
Per ref ( b ) under the CFPBs Debt Collection Rule they provide NO clarifying provisions of the Fair Debt Collection Practices Act ( FDCPA ) which became effective on XX/XX/2021.
The CFPBs debt collection rule requires debt collectors to provide certain information when they first communicate with you or soon after ( generally within 5 days ). When the debt collector provides this required information electronically or in writing, it is called a validation notice. The validation notice is meant to help you recognize whether the debt is yours and dispute the debt if it is not yours.
The notice generally must include : A statement that the communication is from a debt collector The name and mailing information of the debt collector and the consumer The name of the creditor to whom the debt is owed It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date The current amount of the debt as of when the validation information is provided Information about your debt collection rights, including language that : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information Information on how to dispute the debt The notice must include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions.
You may see other information on your validation notice, but the information listed above generally must be included.
This agency failed to provide that information and forwarded to credit bureaus which is a violation. The reason for this second complaint is because, this Agency provided this information to the credit bureaus as retaliation for reporting their company for not being in full compliant with FDCPA.
|
| 07/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding an inaccurate collection account falsely listed on my credit report. These accounts, originating from LVNV Funding LLC, XXXX XXXX XXXX and XXXX XXXX XXXX are unauthorized and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract.
Specifically, these account violate : Privity of Contract : I have never entered into any contract or agreement with LVNV Funding LLC, XXXX XXXX or XXXX XXXX XXXX and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate.
FCRA Section 615 ( a ) ( 1 ) : XXXX XXXX 's, XXXX XXXX XXXX 's and XXXX XXXX XXXX XXXX obligation not to furnish inaccurate information to credit reporting agencies.
FCRA Section 621 : LVNV Funding LLC, XXXX XXXX 's and XXXX XXXX XXXX potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ XXXX {$1000.00}.
Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts.
Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud.
I have never had any dealings with LVNV Funding LLC, XXXX XXXX or XXXX XXXX and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract.
I demand the immediate : Investigation of this matter by the CFPB.
Removal of the inaccurate collection account from my credit report by LVNV Funding LLC, XXXX XXXX and XXXX XXXX XXXX.
Compensation for my time and effort spent disputing this illegal account.
Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered.
Thank you for your prompt and serious attention to this critical matter.
Sincerely, XXXX XXXX
|
| 11/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Subject : Formal Complaint Against Resurgent Capital Services L.P./LVNV Funding LLC Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services L.P. XXXX XX/XX/2023, I submitted a complaint against LVNV Funding LLC, citing their deceptive collection practices and violations of my rights under FDCPA and FCRA. In my initial complaint, I highlighted that XXXX XXXX XXXX, acting on behalf of LVNV Funding LLC, had contacted me last year regarding an alleged debt, which I promptly disputed to no avail. Despite LVNV Funding 's failure to substantiate their right to collect the alleged debt by failing to provide proof of the account transfer, they continued to report the collection on my credit, a clear breach of both the FDCPA and the FCRA.
On XX/XX/2023, Resurgent Capital Services L.P. responded to my complaints through the Consumer Financial Protection Bureau with a standardized letter, asserting the following : " With its purchase of the Account, the Current Owner ( LVNV Funding LLC ) acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is being reported to the credit bureaus on behalf of the Current Owner. '' Regrettably, the CFPB closed my complaints without permitting me to respond, thereby denying me the opportunity to request critical information from the respondent, which would have led to a favorable resolution for me. Therefore, in line with their response, specifically paragraph number 4, I hereby request that Resurgent Capital Services L.P. promptly furnish evidence of LVNV Funding LLC 's purchase of the account, demonstrating their claimed rights, in the form of a transfer document and a bill of sale for the account, including my name and the account number. This request is essential, as anyone could assert ownership without providing substantiating evidence. In the absence of proof of LVNV Funding LLC 's ownership of the account, the collection must be expeditiously removed from my credit reports. For your reference, I am attaching their response letter.
Thank you for your attention to this matter.
All rights reserved.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
|
| 01/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
In the middle of XX/XX/2022, I learned from alerts through my XXXX XXXX account that my XXXX score had dropped dramatically. When I researched it I learned that collection was being attempted on a debt that XXXX XXXX claimed I had with them .. when I didn't respond, they referred the debt for collection.
This the text of a letter I sent to LVNV Funding LLC challenging a debt claim. A similar letter was sent to XXXX XXXX.
________________________ LVNV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference numberXXXX I received your letter of XXXX directing payment on a delinquent account on behalf of LVNV Funding and XXXX XXXX XXXX
This letter is to notify you that I am challenging the claim.
1. Ive never had any transactions nor communications with XXXX XXXX.
2. Ive neither applied for nor received a {$6000.00} loan as your letter describes, however...
3. My research yields : a. On XXXX someone opened a savings account and acquired membership with XXXX XXXX XXXX XXXX in VA in my name using an email address which wasnt mine and a phone number which wasnt mine.
b. I spoke with a representative from XXXX who advised that the person also applied for a {$6000.00} loan about the same time.
XXXX XXXX month later on XXXX the savings account was closed by XXXX as the loan application was found to be fraudulent. The loan was denied and no funds were disbursed.
d. On XXXX XXXX opened an account and began to add late payment claims to XXXX. This continued until recently, LVNV added a collection/charge off claim with XXXX on XXXX, and XXXX added a, New Non-Medical Collection to XXXX on XXXX.
____________ The total debt is shown as {$6100.00} I received a letter from Resurgent on behalf of XXXX XXXX XXXX advising that they had initiated a review of XXXX 's inquiry. I don't know how XXXX got involved. I challenged it and filed a complaint with them.
I've also filed a police report with the local police .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX advising that I had a checking account with their bank. They report a positive balance of {$6000.00}. I did not open this account.
***Also .. the email address showing in this form is not correct and even though I am advised to correct it in my profile.. I can't find my profile. The correct email address is XXXX. ***
|
| 08/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019RESURGENT CAP SRVCS LP Reported: XX/XX/2019Your company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing; or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious RESURGENT CAP SRVCS LP Reported: XX/XX/2019I have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of CaliforniaStop collection proceedings against me• Signatures on applications and accounts• Investigators reportXXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
|
| 03/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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I received a call from my mother and son stating a firm called them trying to reach me and provided a reference number. I myself then received a call stating the person on the line ( no name or formal introduction ) was a courier service and needed to verify my address to provide with me legal documents from XXXX XXXX XXXX XXXX based in XXXX. I advised the young lady I did not feel comfortable giving out my personal information at which time she gave me a reference number and told me to call XXXX. I called and spoke with XXXX XXXX. He started the call off asking for my address, it appears the caller ID advised him who I was so there was no formal introduction. I, again advised I did not feel comfortable providing my personal information as I do not know what this is in regards. He proceeded to read off several addresses then threatened to move forward with court proceedings while advising a judge I was not cooperative. We ended the call after he refused to allow me to speak with his superior. I called back at which time he answered again calling me by name. On the 2nd call he advised me this was in regards to a debt from over 10 years ago which has been settled and I offered to send their company documentation. After being threatened with being sanctioned by the courts I ended the call and called again ( this time the number on their website XXXX XXXX XXXX ). I spoke with a XXXX who was more understanding of my fear of providing my information to a random person. I gave him the reference number that was provided early on and he explained I was not speaking with a law firm but a debt collection agency. He provided me details of the debt and stated I was being contacted due to signing a " tolling agreement ''. After reviewing my documents I advised him this debt was dismissed due to fraudulent being opened. I offered to send him documentation via email from the agency they " claimed '' asked them to move forward with collecting. After going through my records and after hearing the story with the first agent he stated he will update the record to show the debt has been closed and to not worry about it. I was not given any formal documentation confirming this matter has been resolved and offered to provide my email address since I was offered a bill via email. This company is very dishonest and collecting fraudulently.
|
| 04/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX
|
| 04/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
|
| 05/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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I am trying to purchase a home. I don't earn enough money to apply on my own. My mother is a co-applicant and I finally got a preapproval after at least 12 attempts to get a loan without a cosigner. LVNV and Resurgent have 2 negative marks on my credit report. I tried to dispute them because I have been living on a very limited income for over 8 years. I called to see if I could settle on both, one over {$400.00} the other over {$600.00}. I only receive a check for {$950.00} and my rent is XXXX. The settlement amount were no more than {$50.00} less than the actual balance. I asked about a hardship discharge and I was given the instructions on how to apply. I was not informed during the initial contact and a subsequent follow-up to check the status of the application that their hardship is temporary and I could make small payments during this time, which I still don't know what the time frame is for the hardship. My option is to agree to a plan for $ XXXX for about 3 years. I asked would the items be taken out of the delinquent status once I started paying. I was told that once I paid for the loan completely then it will be removed from negative.
This is causing me to not be able to get affordable housing and I can't get the mortgage until I get them resolved. And the terms of the estimated loan amount, 15 years on XXXX are not favorable to the circumstances. I asked about the 30 year fixed, I asked about the fannie mae home ready and I was told that it was determined by the computer system.I don't know why we were not informed about the credit items when they did the credit check, but they reduced the amount of the loan estimate from $ XXXX to $ XXXX, which includes a down payment amount, but I already have a down payment. 15 years in my case is not realistic. If i need a cosigner to be approved, why would I be placed on such strict terms? I am still trying to get the collectors holding the delinquents on my account to work with me on reasonable terms.I thought I would be done with the challenges that I have endured by myself but it continues, there's always a new hurdle to cross, but there is a pattern that is undeniable. Can collection companies refuse to remove the old accounts that prevent me from obtaining affordable housing?
I have at least XXXX inquiries on my report and they are all mortgage inquiries.
|
| 02/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX XXXX XXXX, I logged on to XXXX to access my credit report ( for the first time ) and noticed that Resurgent Capital Services was reporting account # XXXX is being as being in collections. This is not my debt. I never created this debt, opened an account, or signed an agreement to pay this account. I do not owe Resurgent Capital Services/ LVNV Funding any money.
In an effort to get this resolved, I sent a debt validation letter ( included below as " Copy of Debt Validation Request.pdf '' to Resurgent Capital Services on XXXX XXXX, XXXX ( copy of certified mail receipt included as " Certified Mail Receipt.jpeg ''. ) In the letter, I requested the Resurgent Capital Services provide me with competent evidence that I owed them money, including : Agreement with their client that grants them the authority to collect on this debt.
An agreement bearing the signature of myself wherein I agreed to pay this account.
Address on file for alleged debtor.
Amount of alleged debt.
Alleged account number.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold Resurgent Capital Services.
Complete accounting of alleged debt.
Any judgements obtained by any creditor regarding this account.
Proof that they are licensed in Pennsylvania to pursue this debt According to XXXX, they received this request on XXXX XXXX, XXXX ( XXXX XXXX XXXX. ) On XXXX XXXX, XXXX, I received two letters in the mail from them. The first included a brief letter ( resurgent capital letter received 2 27.jpeg ) and and their alleged records that show an account that I never opened or had ( Resurgent Capital Alleged Record 2 27.jpeg. ) The second letter included a judgement that was filed against on behalf of LVNV Funding LLC on XX/XX/XXXXXXXX.
Resurgent Capital was unable to furnish me with the bulk of what I requested, including an agreement bearing the signature of myself wherein I agreed to pay this alleged account, proof that they are licensed in Pennsylvania to pursue the debt, or an agreement with the alleged creditor that granted them authority to collect this alleged debt. Therefore, they failed to sufficiently validate this alleged debt.
As of this month Resurgent Capital Services is continuing to falsely report to the credit bureaus that I owe them money.
|
| 07/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXXLVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 07/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
On XX/XX/XXXX I sent a correspondence to XXXX, XXXX ( received XX/XX/XXXX per USPS tracking XXXX and signed for by a XXXX XXXX ) in regards to this corporation being sold an alleged debt, that is not mine but is in my name. I initially request for a lawful verification of the alleged debt and advised that attempting to collect is in violation of 15 U.S. Code 1692g. I initiated this correspondence before receiving any communications from anyone from XXXX, XXXX. On or about XX/XX/XXXX I received 3 ( three ) correspondences at once from a Resurgent Capital Services that claims to service XXXX, XXXX accounts. All of these correspondences are dated XX/XX/XXXX, which is very odd since all of the content of these correspondences say different contradictory things. One claims that I have 30 days to dispute the validity of the debt, which I already initiated on XX/XX/XXXX before receiving any communication from XXXX, XXXX or any other organization ; another requesting an affidavit from me, when they are the ones that need to provide a sworn affidavit to verify the alleged debt, not me ; and finally the remaining correspondence claims to have provided verification of the alleged by providing so called statements which may have been forged from the alleged original creditor ( XXXX XXXX BANK ). This sending 3 simultaneous letters with different content appears to be some type fraudulent and unlawful act on the part of representatives from Resurgent Capital Services and XXXX, XXXX. Also, none of their correspondences provided anything from my initial request. I immediately responded and sent another correspondence dated XX/XX/XXXX ( the same day I received their communications ) rebuking their fraudulent correspondences, it was received on XX/XX/XXXX per USPS tracking number XXXX and signed for by a XXXX XXXX. As of XX/XX/XXXX, I have not received any response from a representative of XXXX, XXXX or Resurgent Capital Services which demonstrates to me that this corporation and it's representatives are intent on practicing fraudulent and unlawful activities. In addition to this complaint I have filed a police report with my local Police department ( XXXX Police Department TR # XXXX ) as one of the final steps before pursuing litigation. I have attached copies of my XX/XX/XXXX and XX/XX/XXXX correspondences for the record.
|
| 09/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX
|
| 06/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 Certified Mail Return Receipt required BY EMAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Email : XXXX Resurgent Capital Email : Re : XXXX XXXX Account Number XXXX- XXXX Account Resurgent XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, to inform you that I dispute the alleged debt associated with Account Number XXXX XXXX Account Resurgent XXXX. I do not owe the amount alleged by you.
Never received documentation to validate the debt, remove the item from the credit report all of them.
Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation.
Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature.
XX/XX/2021 Page Two I further request that you take the following actions ; Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt ; Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt.
Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA : It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt. Any further contact should be made in writing, and should be submitted to my home.
If you continue to try to collect on this debt, I will file a formal complaint against you with the Federal Trade Commission, the States Attorney General Office.
LET ME BE VERY CLEAR I HAVE DISPUTED THIS BILL WITHIN THE APPROPRIATE TIMELINE PROVIDED BY THE FAIR DEBT ACT- WELL WITHIN THE REQUIRED 30 DAYS.
Sincerely, XXXX XXXX XXXX. XXXX, XXXX, XXXX and CFB
|
| 05/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
LVNV FUNDING and RESURGENT CAPITAL SERVICES third party debt collectors attempting to collect a debt on the basis of fraud. This notice is to inform you that you unlawfully reported fraudulent account that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. COMMUNICATION WITH THE CONSUMER GENERALLY- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. Harassment or abuse. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 U.S. Code 1692 c. Title 8 USC 809. Validation of debts [ 15 USC 1692g ]. Reference ID : XXXX, account # XXXX and account # XXXX fraudulently opened in my name. I am a victim of identity theft and did not open this account with LVNV FUNDING and RESURGENT CAPITAL SERVICES. I have sent LVNV FUNDING, RESURGENT CAPITAL SERVICES " DEMAND TO CEASE AND DESIST '' As this request has not been honoured and they are in VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud and Intentional act of fraud. SEEKING RELIEF AND MONETARY DAMAGES UNDER 15 USC $ Permissible purpose of consumer reports1681b. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Intentional act of fraud. Fraud, deliberate concealment of material information. 15 U.S C 1692K Civil liability. I have file a lawsuit against both LVNV FUNDING and RESURGENT CAPITAL SERVICES. See you in court!
|
| 01/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello there I discovered that a debt collection company, LVNV Funding LLC, had purchased an old debt from XXXX of a closed credit card account that was paid in full, and reported on my credit report in XX/XX/XXXX. The debt is now once again sold to Resurgent Capital Services in XX/XX/XXXX because LVNV Funding LLC had closed their business.
The debt was for credit card account ending in XXXX, with an amount of {$5200.00}, which was opened in XX/XX/XXXX. The account was paid and closed on XX/XX/XXXX, with confirmation number and reference number. Please see attachment # 1.
I had been dealing with XXXX and multiple creditors over and over again for the past 3-4 years, spent hundreds of hours on call, email, disputes, and fax, and the same account was confirmed by XXXX multiple times that it's been paid in full and closed.
When the same debt showed up on my credit report again in XXXX, i finally hired a law firm to represent me and sent a letter to XXXX, XXXX finally had Ms. XXXX XXXX from the Executive Response Unit replied me and sent another confirmation letter to me in XX/XX/XXXX as proof that the account was paid in full and closed. ( XXXX ) XXXX Please see attachment # 2 Ms. XXXX had explained the account was misplaced when XXXX sell their old credit cards to a different bank, as a result, the bank even automatically generated and sent me a letter claiming I have to make a {$100.00} payment on account XXXX by XX/XX/XXXX -- - because this account was already closed, so the payment date was recorded as XX/XX/XXXX. Please see attachment # 3 If you look at my credit report, all XXXX related accounts were closed since XXXX to XXXX. No new XXXX account was opened. See Attachment # 4 It is NOT legal to harass consumer with fault account and I've had enough!!
I demand that your company and XXXX to fully close, and forever remove this " debt '' account from my credit report within 14 days upon received of this email.
I am filing this complaint with Consumer Financial Protection Bureau CFPB on XX/XX/XXXX, against Resurgent and XXXX.
A complaint was also filed with XXXX XXXX XXXX XXXX on XX/XX/XXXX, against Resurgent and XXXX.
I will proceed with lawsuit if Resurgent Capital Services and XXXX fail to fix the error within 14 days. A law firm had been contacted and ready to file the case anytime.
|
| 12/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/12/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC, for committing identity theft. I have never given LVNV Funding LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with LVNV Funding, LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving LVNV Funding, LLC any right to collect on this alleged debt.
I have never received any documentation requesting validation from LVNV Funding, LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding, LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 10/25/2022 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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XXXX XXXX XXXX XXXX, notified me on XX/XX/2022 about an alleged debt. According to Title 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of their fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially.
XXXX XXXX XXXX XXXX and its agents harassed me for an alleged that that was not even validated. Shared statements as well as a copy of a consumer contracts as evidence of the day, but as per the judgment in the case of XXXX XXXX XXXX XXXX XXXX a copy of the consumer contract is not sufficient evidence of debt. Due to their continuous act of deceit, coercion, and intimidation I have suffered XXXX stress and XXXX.
According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ).
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately.
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency.
Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
If they do not cease communication a lawsuit will be commenced against them.
XXXX XXXX XXXX XXXX and LVNV Funding LLC HAVE FALSELY REPORTED INFORMATION THAT RESULTED IN DEFAMATION OF MY CHARACTER. Further, they have created a deceptive form that made creditors and employers believe that I was in debt, though they could not prove its validity. If the debts were valid, they created a false impression that I was not able to pay the alleged debts.
As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, both XXXX XXXX XXXX XXXX and LVNV Funding LLC are liable according to Title 15 USC 1681o.
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| 05/02/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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I contacted Resurgent Capital Services. XXXX option XXXX . Spoke to XXXX regarding a lien that is on my home. The debt was in BK . I explained by BK was released in XXXX XXXX and I should no longer have a lien on my home. She said she had to look into it and would go from there. XXXX I called back and spoke to XXXX and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy. XXXX I called again she stated there were not updates and not copy yet. XXXX Called and still no updated per XXXX . XXXX XXXX stated still no updates. XXXX I spoke with XXXX said no updates. I asked to speak with a manager and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the manager w as a lunch and sent me to voicemail. I did not get a return call. XXXX My husband called first she stated no updates he too asked for the manager and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number. XXXX I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since XXXX and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her manager ha s not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to XXXX . I have kids and would like to get my mortgage down. I 've been overpaying for many years.
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| 04/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 01/17/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX/RESURGENT CAP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX/RESURGENT CAP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 04/06/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX XXXX XXXX SS # XXXX.
Please see the attached CFPB complaint # XXXX where LVNV responded on XX/XX/21 That they got with the original creditor who confirmed there was fraud on the account! They agreed there was fraud and ceased ALL Collection activity!! I have received NO correspondence nor=thig regarding this account at all in XXXX years!!! LVNV agreed to get rid of the account!!! Who do you think you are sending me this?! My husband passed from XXXX, then my XXXX daughter passed for XXXX, I got XXXX and was on the vent for a long time, I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spent a long time in recovery. I mentally can not handle this!
I get a letter in the mail from Resurgent Capital Services stating they are collection {$2200.00} for LVNV!!! Is is a true violation of FDPA, FCRA and I am sure UDAAP will fall in scope! This tradeline was removed from all bureaus but XXXX!!
I would love to know why in the world I received a letter now over three years later asking for me to submit proof of a police report!! Are you out of your mind?! I disputed these charges right away with XXXX XXXX!! Monthly I disputed these here are the CFPB complaints for reference! They did NOTHING! Then sold my account to a collection agency who did NOTHING until I filed a CFPB complaint! Youre way too late to ask for any of this!! I am not going back 3 years and digging up proof. XXXX XXXX failed to review the fraud claim and my FCRA dispute which are violations of law!! Not only are they in violation of FCRA, but also the Reg Z billing dispute Process. I disputed these charged within 60 days of being billed for them with XXXX XXXX!! They did NOTHING!!! I kept disputing until they sold my account to collections.
I am in a wheel chair with no legs it is kind of hard for me to get around. If XXXX XXXX had done their job correctly!!
I have disputed this with XXXX over ten times in the past three years!!! No one is doing a proper valaidation of my fraud claim!! If they did, they would review the response from LVNV and remove the collection account from my report!! This is a true velation of FCRA and all Identity Theft Red Flag processes that are in place!
Again read the attached response where they acknowledge fraud and remove this collection account from my credit report!
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| 08/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have gotten the response to the last complaint and have determined it does not resolve my complaint. LVNV is continuing to respond to previous disputes with a print out of a bill which they could have purchased from anywhere. There has been so many company data breaches around the world. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification I received a letter from the president of XXXX XXXX XXXX and they informed me that I am no longer liable for this account and that it will be cleared from my credit history. Therefore I no longer owe LVNV for this account as well since this credit card debt has been cleared from my history. Attached is the document sent from president of XXXX XXXX XXXX I am again formally requesting a copy of any documents, bearing my original and complete signature, showing that I have a legally binding contractual agreement obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The collection item you are showing is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a lawsuit should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my original complete signature may result in a small claims action against your company. I will be seeking a minimum of $1,000 in damages per violation for. -Defamation-Negligent Enablement of Identity Fraud-Violation of the Fair Debt Collection Practices Act (including but not limited to section 807-8-Violation of the Fair Credit Reporting Act (including but not limited to section 623-b) You will be required to appear in a court venue local to me, in order to formally defend yourself. Attached is a letter from the office of the President of XXXX XXXX XXXX showing that they deleted the history of the trade line with them. Which means I no longer owe this debt that you are inaccurately reporting.
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| 03/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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IN 2009 MY APARTMENT WAS BROKEN INTO AND THEY TOOK ALL IDENTIFICATION ALONG WITH PEROSNAL BELONGINGS, COUPLE YEARS LATER I START GETTING COLLECTION CALLS AND AT THE TIME I WAS UNEDUCATED ON CREDIT REPORTING AND UNAWARE OF HOW THINMGS WORKED. I ENDED UP PAYING TWO DIFFERENT COLLECTION AGENCIES OVER {$2000.00} AND COME TO FIND OUT THESE AGENCIES WERE FAKE, THEY SCAMMED ME! THE CALLS CONTINUED AND THEIR WERE MORE AGENCIES TRYING TO COLLECT, THEY WERE CALLING FAMILY OUT OF STATE, MY EMPLOYER IT WAS GETTING OUT OF HAND. AS THEN YEARS WENT BY I STARTED MONITORING MY CREDIT REPORT FILE TO FIND SEVERAL FRADULENT ACCOUNTS AND GOT THEM ALL REMOVED, HAVING THE ORIGINAL CREDITOR CONFIRM THE ACCOUNTS WERENT MINE. XXXX IS A ACCOUNT THAT HAS BEEN ON MY REPORT FOR YEARS AND I HAVE TRIED FOR YEARS TO GET XXXX, XXXX, XXXX TO REMOVE THE ACCOUNT AND I CAN PROVIDE YOU WITH CERTIFIED LETTERS I SENT TO THEM. I REACHED OUT TO THE COLLECITON AGENCY WHO REFUSED TO GIVE ME ANY VALIDATION OF THE ACCOUNT BECAUSE I TOLD THEM IT WASNT MINE AND THEY INSISTED IT WAS, THEY FINALLY THREE YEARS LATER SENT ME A LETTER STATING DEBT VALIDATION. THE LETTER DID NOT HAVE ANY INFORMATION VALIDATING THAT THIS DEBT IS MINE. IN THE LETTER IT HAD MY NAME, ADDRESS, BIRTHDATE, NO ACCOUNT NUMBER, AND THEY LISTED 2 DIFFERENT ORIGINAL CREDITORS. I STILL HAVE LETTERS THEY SENT OUT TO ME AND THE ONES I CERTIFIED MAIL TO THEM. THE FIRDT ORIGINAL CREDITOR WAS XXXX WHICH THEY CLAIMED WAS LOCATED IN NEW YORK, I WAS BORN THERE AND MOVED TO MARYLAND AT THE AGE OF XXXX YEARS OLD SO THEIRS NO WAY I COULD HAVE GOT THAT CREDIT CARD IN HIGH SCHOOL, THE SECOND ORIGINAL CREDITOR WAS XXXX XXXX. I HAD ANOTHER FRADULENT ACCOUNT WITH XXXX XXXX YEARS AGO WHICH WAS REMOVED BECAUSE XXXX XXXX CONFIRMED I HAVE NO CREDIT CARDS WITH THEM, SO THERES NO WAY ITS FROM THEM. MY SOCIAL HAS BEEN FLOATING AROUND AND THE CREDIT BUREAUS HAVE BEEN NOTHING BUT EXTRA STRESS, THEY HAVE DONE NOTHING, THIS ACCOUNT IS IMPACTING MYN SCORE AND ITS UNFAIR I HAVE T0 SUUFER ON SOMETHING THAT ISNT MINE AND HAS BEEN ADDRESSED SEVERAL TIMES! IT SHOULD HAVE BEEN TAKEN SERIOUSLY AND REMOVED YEARS AGO! PLEASE HELP ME! THEIR HAVE BEEN SO MANY INCONSISTERNCIES ON THIS ACCOUNT, THE DATE OF THE ACCOUNT BEING OPENED, THE BALANCE, AND MORE. THEY ARE REPORTING DIFFERENT INFORMATION TO EACH AGENCY.
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| 03/30/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC, for committing identity theft. I have never given LVNV Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from LVNC Funding LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I have not validated any alleged debt with LVNV Funding LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving LVNV Funding LLC any right to collect on this alleged debt.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern, This is in response to the letter I received from your company in XX/XX/2023. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. The agreement bearing my signature stating that I have agreed to assume the debt. A complete and correct social security number that may help identify me as the party you are collecting from. A copy of the government issued Identification presented to incur this debt. Valid copies of the debt agreement stating the amount of the debt and interest charges. Proof that the Statute of Limitations has not expired. Complete payment history on this account along with an accounting of all additional charges being assessed. Show me that you are licensed to collect in my state ; and Your license numbers and XXXX XXXX. A purchase agreement or assignment from the original creditor to your company. Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Not only is this debt being reported inaccurately but it is being reported as an open collection with XXXX while it reports as a closed collection with the other bureaus. Also my XXXX report shows no collections but has this account listed under revolving accounts.
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| 02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX Balance : {$590.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately.
XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} - This account Belongs to someone else. This is not my account. Provide me specific datas to prove that it belongs to me or remove it accordingly.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} - he creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.
XXXX XXXX Balance : {$790.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
LVNV FUNDING LLC XXXX Balance : {$900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
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| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX.
XXXX, MI XXXX XX/XX/XXXX LVNV Funding LLC RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.
I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. The listed account is also not XXXX compliant.
Account ( s ) in question include : Account name : LVNV Funding Account number : XXXX I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to and documentation displaying full account numbers as part of this investigation.
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter.
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Additionally, it is my understanding that this debt was written off and filed as a loss on the original creditor 's business taxes. Therefore, the new classification for this debt is now reported as income by the original creditor. By law, income can not be reported on a consumer 's credit report. For this and other fraudulent reasons, I am strongly requesting deletion of this invalid, erroneous and fraudulent account. This is not a request for an investigation. Please delete.
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
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| 02/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I am writing to dispute an alleged debt with Resurgent/ LVNV Funding, after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? Under the laws of the XXXX, these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collections agency has, such as a license to collect in my city/ state ) after numerous attempts still unable to get them to verify with any official permissible document that this is indeed my debt.
I ' ve enclose copies of my requests to the collection agency, asking them to validate this alleged debt, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.
The XXXX requires you to verify the validity of the item within XXXX days. If the validity can not be verified, debt collectors/ credit bureaus are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge them to remove this item before I am forced to take legal action.
In the event debt collectors/ credit bureaus can not verify the item pursuant to the XXXX , and continue to list the disputed item on my credit report I will find it necessary to sue for actual damages and declaratory relief under the XXXX . According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area.
Here is just a few of CFPB debt collectors complaint 's similiar to mines : Resurgent # XXXX, XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the XXXX.
I look forward to CFPB protection and to enforce the law against all perpetrators in violation of XXXX. CFPB to protect my right to a fair and accurate credit report, also if legal actions taken and CFPB finds such perpetrators negligent against the consumer. CFPB represent as a witness on the consumer behalf.
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| 07/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Subject : Unauthorized Third-Party Communication and Cease and Desist Notice Dear Sir/Madam, I am writing to address the unauthorized third-party communication I have been receiving from LVNV Funding regarding an alleged debt originating from 12 XXXX XXXX XXXX XXXX. It has come to my attention that LVNV Funding is in possession of my personal information without my consent or authorization. I demand that all communication from your organization cease immediately, unless you are contacting me to discuss a remedy for the violations committed.
I want to make it clear that LVNV Funding, as an unauthorized third party, has no lawful right to possess or disseminate my personal information. I have not provided any consent for your organization to access or utilize my personal data in any way. This unauthorized acquisition and use of my information violate my privacy rights and potentially expose me to unauthorized disclosure of sensitive information.
Therefore, I demand that LVNV Funding immediately ceases all communication with me, including but not limited to phone calls, letters, and emails. Unless you are contacting me to discuss a resolution for the violations committed, any further communication will be considered a violation of my rights under federal and state laws.
Additionally, I require LVNV Funding to provide written confirmation that you will no longer engage in any communication or attempt to collect any alleged debt from me. Failure to comply with this cease and desist notice will result in legal action to protect my rights and seek appropriate remedies.
Should you wish to contact me to discuss a remedy for the violations committed, please ensure that such communication is in writing. Any future communication from LVNV Funding must be strictly limited to resolving this matter, and should not be used to harass, intimidate, or attempt to collect any debt.
I expect your prompt attention to this matter and an immediate cessation of all unauthorized communication. Please acknowledge receipt of this letter within 10 days. Any failure to comply with this notice will leave me with no choice but to pursue all available legal remedies to protect my rights and seek appropriate compensation for the violations committed.
Thank you for your understanding and cooperation.
|
| 07/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Emails dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX. stating that I owe them a debt for {$440.00} and asking for a Credit Card. The Alleged Original Creditor was XXXX XXXX XXXX, who previously charged off the alleged debt via 1099 with the IRS and reported it as income. LVNV Funding LLC bought my charged off debt for XXXX on the dollar from the Original Creditor XXXX XXXX XXXX, and supposedly assigned the collection of the Charged Off Debt that was purchased for XXXX on the dollar to XXXX XXXX who is looking for the Original Amount of the Charged Off Debt in the Name of the Original Creditor XXXX XXXX XXXX. Whom I have mentioned previously CHARGED OFF THE DEBT with the IRS via 1099 forms!!!!!! I have no contract with XXXX XXXX nor LVNV Funding LLC. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974. Let it be known that it is a fact the Original Creditor XXXX XXXX XXXX has committed Securities fraud by selling notes of consumers via their Social Security Numbers via Irrevocable Assignments. Was this apart of the original service agreement with XXXX for Cellular Phone Service. We all know the Note is the Application, which is Self Liquidating Paper with an Allonge Attached with a Blank Endorsement for Special Deposit. We the People Gave NO Such Consent to these hidden back door deals off the backs of our social SECURITY numbers. I also believe no such evidence Exists! I have taken the liberty to attach XXXX XXXX SEC Documents detailing assignment of Notes where the Tax ID or Social Security Number and Name and Address of the Assignee is listed. So now you as a third party interloper are now apart of the fracas.
|
| 10/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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As of XX/XX/2023, My AFFIDAVIT OF TRUTH, has been delivered successfully through the U.S. Postal Service to LVNV FUNDING LLC., by Certified Mail.
It's Well passed Thirty ( 30 ) Days. I t has been XXXX Months. THIS IS ILLEGAL!!
Within my AFFIDAVIT, I requested a " DEBT VALIDATION '' from LVNV FUNDING LLC., providing Instructions to what Information is to be delivered back to myself as proof, that I owe this " ALLEGED DEBT ''.
In-Which, Evidence from the " LVNV FUNDING LLC. , '' has not been successful in this regard.
MY AFFIDAVIT HAS NOT BEEN REBUTTED. IT MUST BE REBUTTED. FACT FOR FACT!
Even if the LVNV FUNDING LLC., shared statements as well as a COPY of a Consumer Contract, as evidence of an Alleged Debt, yet according to the decision judgement in the instance of case : XXXX XXXXXXXX XXXX XXXX XXXX - Copies of any consumer contracts are NOT ENOUGH PROOF OF ANY ALLEGED DEBT! That is owed.
So once more, I request that they deliver the Original Contract that I signed with " LVNV FUNDING LLC., '' that bears my signature as evidence that I RIGHTFULLY OWE THIS ALLEGED DEBT.
12 U.S. Code 3403 - Confidentiality of financial records 15 U.S. Code 1692e - False or misleading representations 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information 18 U.S. Code 1028A - Aggravated identity theft 12 U.S. Code 3403 - Confidentiality of financial records 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law This is fraud, aggravated identity theft, harassment, defamation, and misrepresentation.
I did not authorize any agreement or contract with " LVNV FUNDING LLC., '' by my signature.
My Consumer Report has " NEGATIVE '' assumptions from LVNV FUNDING LLC., In-Which is Extremely prejudiced, highly damaging, and devastating to my livelihood and privacy.
U.S. CONSTITUTION ARTICLE VI : SUPREMECY CLAUSE This Constitution, and the laws of the United States which shall be made in pursuance thereof ; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land ; and the judges in every state shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding.
|
| 10/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 04/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hi my name is XXXX XXXX Please help me!
I am confident that the Consumer Financial Protection Bureau will be able to resolve this issue. I have a collection on my Credit Report from LVNV Funding LLC the original Creditor is XXXX XXXX. I sent LVNV Funding LLC an Affidavit ( Statement Of Fact ) that was notarized sent certified mail with a delivery receipt. To Verify and or Validate the debt they say I owe. I have attached the Affidavit I sent LVNV Funding LLC. I have listed the Violation in the following Statement below : * I sent LVNV Funding LLC an Affidavit ( Statement Of Facts ) to Validate this XXXX XXXX debt they say I owe. LVNV never responded to my Affidavit and I have attached the affidavit for your viewing. They sold are assigned my debt to another Collection Company. This transferring of unverifiable debt to another collection agency without validating the debt is a violation XXXX My 2nd issues is if LVNV Funding LLC who is reporting this debt on my credit report. Plus claiming they own the right to this debt. So, why are they refusing to validate this debt?
* 3rd issues is that I received a letter from XXXX XXXX XXXX trying to collect on the Same debt LVNV Funding Services LLC refused to Validate. XXXX XXXX XXXX is also claiming in their letter that they are collecting the debt for LVNV Funding LLC, but LVNV Funding LLC refused to Validate the Affidavit of dispute of the debt I sent them.
If LVNV Funding LLC can not Validate the debt. How can XXXX XXXX XXXX Validate the Debt? These Collections Companies that are using these illegal tactics of not validating a debt then transferring the debt to another collection company that is a violation of the FDCPA.
Why, didn't LVNV Funding LLC Notify XXXX XXXX XXXX that I XXXX XXXX requested the validation of the debt before transferring the debt? The FDCPA requires a cease of all collection activity until the debt is validated. But LVNV Funding and XXXX XXXX XXXX are trying to manipulate the FDCPA. By LVNV Funding LLC. transferring the debt to XXXX XXXX XXXX but, having XXXX XXXX XXXX collect the debt for LVNV Funding LLC without validating the debt. These are Major FDCPA Violations.
Please investigate these illegal tactics and violations these 2 collection agencies are involved in.
Thank you for all your help.
|
| 12/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX.
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX To whom it may concern : I am filing this complaint because I have am exhausted with the credit bureaus and the creditors that are reporting this incorrect information on my credit reports. These accounts are fraud and are not valid debts. It doesnt seem the bureaus need to respond to legitimate concerns that I have brought to their attention. Are they so big that they do not need to follow the laws of the Fair Credit reporting Act? Clearly, they are willfully disregarding my desires for a fair credit report. This is a form of plausible deniability to not take any responsibility for their incorrect reporting.
I have sent letters to the creditors as well. I requested original correspondence and signatures. It was my understanding that they need to prove their debt and claims to be able to report this inaccurate information to the bureaus.
The following is the account information and a timeline for the correspondence to the bureaus and creditors.
Credit Reporting company : $ Amount reporting Credit Bureau reporting XXXX XXXX {$4700.00} All 3 bureaus Cache LLC {$18000.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX {$4500.00} XXXX XX/XX/XXXX Letter to all bureaus requesting deletion due to fraud.
XX/XX/XXXX Letter to all bureaus requesting proof of debt.
XX/XX/XXXX Letter to all of the above companies demanding proof of debt.
XX/XX/XXXX Letters to all bureaus.
XX/XX/XXXX letters to all bureaus requesting reason for not deleting files.
XX/XX/XXXX Letters to all above companies requesting validation of debt.
XX/XX/XXXX Letters to all bureaus demanding deletion since none of the companies had validated the debt in question.
XX/XX/XXXX Letters to all companies demanding validation of debt.
XX/XX/XXXX Request to all bureaus for deletion of unvalidated debt.
I am requesting help in this matter. As you can see, I have appealed to the bureaus and the companies for relief from this fraudulent debt. I am simply asking for deletion of debt from my bureaus that is not mine and has never been.
Please advise me via US Mail. I look forward to their Reponses.
Respectfully, XXXX XXXX
|
| 10/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1993 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXXistrict of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1993 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
|
| 11/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Offending Company - LVNV Funding LLCXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX XXXX ) XXXX I am requesting the removal of the following data that appears in my file. I believe that this data is an error because this company was unable to verify ANY of the required information to validate the debt. I directly contacted the company on XX/XX/XXXX allowing them more than ( 30 ) days and requested the following information for the validation of the debt Original contract with a WET signature Proof of agency or ownership of the account Original payment history associated for the account Proof of original creditor information After the 30 days the company did not provide ANY of the information requested. The original date of the occurrence XX/XX/XXXX, resolved by XXXX XX/XX/XXXX that the transaction was a scam on the side of the purchaser and was to be removed from my account. ( This also exceeds the 7 year rule for credit reporting ) I prompted closed out and deleted both my XXXX account and my XXXX account after this interaction. Under my investigation into the claim from this company I have come to find out that XXXX XXXX purchased XXXX XX/XX/XXXX, under the terms of the purchase all debt with the amount of {$500.00} or less was written off as bad debt, any debt above the amount of {$500.00} was then reprocessed and farmed out to collection agencies under XXXX umbrella. Under the FCRA, a company can not reset the timer on a collection process with sale and/or purchase of a company or its debt. This company had been sending emails out to a dead email due to the fact that it was the email tied to the deleted XXXX XXXX XXXX The company states they have made numerous phone calls in an attempt to collect a on the account, the phone number tied to the XXXX account was changed years prior to their collection efforts due to my relocation to a different state. Since they were never able to contact me and validate the debt they illegally accessed my credit report to get updated contact information. The company stated to me directly since they were unable to reach me or validate the debt they simply applied it to my credit as per the companys policy. This CLEARLY violates my rights and should be subject to fines and compensation due to the sever impact on my credit report.
|
| 09/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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ATTENTION DISPUTE DEPARTMENT TODAYS DATEXXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this
subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 01/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I was just evacuated because of hurricane Ian but when I get home I find a lawsuit and they want to put a judgment on me for a court date I didn't know about and dealing with a natural disaster but now I have to deal with this I just wrote them and asked them to verify the debt because my credit was over XXXX but XXXX different loan companies did fraud in my bank accounts and a bunch of inaccuracies and I will complain about the credit agencies after this one but I did some research on this supposed debt that i owe first the original creditor was sXXXX XXXX care credit but now I'm looking and I called and they have the same account on their twice but it's the same account and XXXX say care credit and it was positive and I didn't owe anything than its LVNV and I owe them how could the same account XXXX be in good standing and the other XXXX not and you aren't allowed to have the account on their twice. Also all the information is inquorate anyway and I also filled a police report and then the dates don't add up from when I close XXXX account but then I got another one and the time frame and everything is off but also in this court case they have against me I see in it that apparently I acted like I was being deployed or that I was who thinks of this stuff first off I would never even think of that nor would I ever join I just found that to be really od but I guess that can't be proven so it only my thoughts and ideas but I'm not sending anyone I don't know money and anyone can say anything these days and who tries to garnish a supposed credit debt that isn't even XXXX you don't even know if it was mine or what happened you're not even the original creditor but after we just got done with a hurricane and all the loss already it's just kind of low end but it is what it is I know what I know but what I don't know is who protects us other than our attorney that we pay top dollar for and plus we talking about something almost XXXX XXXX XXXX don't be mad with me because synchrony sold you a wrong debt. I also thought you can't garnish people or take stuff from people because credit debt is a non-secured debt? Also how do I contact the court and tell them I never got the court date and how to reschedule well obviously my attorney can but just so I know for the future.
|
| 08/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I called Lvnv Funding LLC today in regards to a debt for XXXX $ that is reporting to my credit. I spoke to 2 people the first person offered to take my payment in full but stated that they do n't actually service my account. When I asked who does they gave me multiple names of company. I was informed that this debt was a purchased debt that they have had since 2015. I stated that due to lack of communication from the company that I would like to have this deleted from my credit and asked how that can be done. This rep was unable to tell me if any letters were mailed to me and that they wait for the consumer to contact them before they send out notice of collection agency placement. I advised that I felt like this was a violation as I was never given a 30 day opportunity to dispute. He placed me on hold and had me speak to XXXX XXXX, senior customer service manager. I asked her to provide me with a date in which communication was attempted and she stated that I needed to put that request in writing and that they would send me a letter. ( to me this would mean that they will then attempt communication ) She told me that the original creditor would have notified us that it was placed, and denied responsibility of the collection agency to do so. She then gave me the name of a different account servicer and said that they had placed my account with multiple servicers. She confirmed that she could see my account history and but still would not provide me with dates in which communication was attempted. I then requested to speak to her higher up and she kept saying that would be unnecessary, then said she was on lunch that she would take a message for her despite the fact that the supervisor ( XXXX XXXX ) has a voicemail. They also claimed that this debt was purchased directly from the original creditor however according to her they obtained it more than 2 yrs after it was charged off. When I started questioning how they purchased it directly from the creditor if there is such a large gap in time, she then stated it was probably with a different collection agency. To me this means that she is providing false information as well to make it sound more credible. And she said that she works for resergent?? How many company 's are truly attempting to collect my debt??
|
| 06/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have disputed this debt numerous times. I sent XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXXXXXX XXXX has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to XXXXXXXX XXXX : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
|
| 02/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The original creditor of this credit card debt was XXXX XXXX Bank. The debt was charged off and sold to various debt collection agencies, most recently LVNV Funding, who has outsourced the collection of this account to XXXX XXXX XXXX XXXX XXXX XXXX. I received a notice from XXXX XXXX XXXX in XX/XX/2022 that stated the debt would be removed from my credit file by LVNV Funding, their client, if I satisfied the debt in full for {$610.00}. I paid the {$610.00} on XXXX XXXX and received the attached e-mail receipt of payment. I spoke to XXXX XXXX XXXX on XXXX XXXX, who advised me that it would take a couple days for my payment to post to my account with their office, but had I made a payment directly through him, the payment would have posted to my account immediately. XXXX XXXX indicated he would follow up with me in a few days to issue a paid in full/debt satisfaction letter. I never heard from XXXX XXXX. On XXXX XXXX, I e-mailed XXXX XXXX XXXX for an update on receiving the debt satisfaction letter and asked when LVNV Funding, their client, would be notified that the debt had been paid in full, and I received a reply from a XXXX XXXX XXXX, who simply sent me a debt satisfaction letter and a regulatory debt collection notice for consumers in certain states. I replied directly to XXXX XXXX to ask if LVNV Funding -- again, their client and the owner of this debt -- had been notified of my debt being paid in full so that LVNV Funding could delete the account from my credit bureau reports. XXXX XXXX failed to respond to me. On XXXX XXXX, I e-mailed XXXX XXXX and the general e-mail box for XXXX XXXX XXXX, again, asking whether or not their client and the owner of this debt, LVNV Funding, has or would receive notice that I had paid the debt in full directly to XXXX XXXX XXXX. As of this complaint, no one has responded to my e-mails. I am concerned that XXXX XXXX XXXX are a fraudulent organization who has collected my {$610.00} and fraudulently misrepresented their written notification that this debt would be removed from my credit bureau files once I satisfied the debt according to our written and verbal correspondence. I have attached all pertinent documentation, and I encourage all reading this to pull the phone conversation I had with XXXX XXXX on XX/XX/XXXX.
|
| 01/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX . refuses to remove inaccurate negative remarks from my credit report after my repeated attempts to have them corrected.
On XX/XX/XXXX, I opened an individual credit card account ( acct ending XXXX ) with XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX, ( XXXX ) XXXX ) with a credit limit of {$300.00}. After not paying the overdue balance for some time, the account was closed in XX/XX/XXXX, and transferred to a collection agency ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX ). In less than a year, I paid XXXX XXXX according to an agreed-upon payment plan settling the debt in full.
Over a year and a half years ago, when I started paying closer attention to my credit score, I noticed that there were some negative remarks on my credit report related to this card. As of this complaint, there are 6 negative remarks remaining on this account over the last 24 months, stating that I missed payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not accurate as I had settled that out 3 year earlier. I reached out to both XXXX XXXX XXXX and to XXXX XXXX on numerous occasions, with both continuing to state that it was the other institution 's responsibility. I enlisted the efforts of a credit repair company, XXXX XXXX XXXX XXXX, for over 18 months at $ XXXX/month to try to get them to remove the negative remarks, but XXXX XXXX XXXX and XXXX XXXX maintained the same lack of responsibility. I contacted the three major credit bureaus myself to dispute and have them investigate, and still XXXX XXXX XXXX refused to remove these negative remarks that are highly injurious to my credit. The note that was added for me to this page of my XXXX report states : " Payments were made in compliance with the negotiated schedule. '' My individual credit report on XXXX notes that the Balance is {$0.00}, and the Past Due Amount is {$0.00}.
I continue to be very frustrated by this, as it is negatively affecting my credit rating.
Hopefully this can get resolved soon. I do n't want to have to hire an attorney for this issue, as I 've already paid in over {$1000.00} for the services of XXXX XXXX I have attached the only letter that was sent to me from XXXX XXXX XXXX regarding my dispute.
|
| 10/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I XXXX XXXX hereby confirms that a debt collection submitted against me by a debt buyer is in fact a complete scam. The original creditor known as XXXX XXXX XXXX XXXX. securitizes all of its debt portfolios. In essence, my original credit card debt was sold off to a securitized investment pool. XXXX XXXX XXXX XXXX. was never in a position to acquire this debt from a position in any securitization unless my credit card debt was a matter of public record. The debt purchaser known as Resurgent/LVNV Funding has shown no licensing agreement with the state of Tennessee, nor has it proved ownership by a valid transfer of debt. This collection is within the legal definition a scam initiated against a consumer, and this is not an isolated matter. Accordingly, I demand actions by the Consumer Financial Protection Bureau, the Federal Trade Commission and the Federal Deposit Insurance Corporation to review my complaint. The debt collector can not prove ownership as my information was acquired through a debt pooling arrangement with the original creditor. At no time was there anything conformation of a debt ownership transfer, nor can there be given proof. My credit report has been tarnished because of this scam. XXXX XXXX XXXX XXXXXXXX. is not in a position to re-acquire the debt from a debt buyer, as they have already claimed ownership and the right to sell the debt to a third-party. XXXX XXXX XXXX XXXX. does not own this debt since the placement into a securitized investment. This scam is complicit with both the debt buyer Resurgent/LVNV Funding and XXXX XXXX XXXX XXXX, an FDIC insured financial institution. XXXX XXXX XXXX FDIC Certificate Number is XXXX XXXX XXXX, XXXX, simply referred to as XXXXXXXX XXXX XXXX , is a U.S.-based bank specializing in credit cards. It has corporate offices in XXXX XXXX, Nevada. The bank is held by XXXX XXXX XXXX, a bank holding company registered in Nevada. [ 2 ] XXXX XXXX XXXX is a wholly owned subsidiary of XXXX XXXX XXXX, XXXX. [ 3 ] As of 2017, XXXX XXXX XXXX services more than XXXX XXXX cardholders across the United States. This debt collection must be dismissed completely and my information purged from all future collection practices. The references placed on all pertinent credit bureaus must be deleted permanently.
|
| 05/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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I had paid XXXX XXXX their installments on time. In XX/XX/XXXX, I submitted a XXXX claim to XXXX XXXX XXXX XXXX regarding a XXXX which left me XXXX. However, I was denied because I was already on a permanent XXXX from years ago. XXXX XXXX has charged me a XXXX premium since XXXX. They were aware I was on XXXX at the time of the enrollment. Since they denied my claim, I requested that I receive a credit for 8 years of premiums charged for XXXX coverage. XXXX XXXX issued a credit for only 5 months of premiums. They did not issue a credit for the remaining XXXX years of premiums AND interest that was charged/accrued during those 8 years on that account. I requested a new statement so I may review so I may pay the balance, if any, off. XXXX XXXX did not send a revised statement showing the deductions for the unauthorized billing. However, XXXX XXXX sold this account to LVNV and Resurgent Capital Services. I have attached letters requesting that LVNV send me an itemized statement of the balance and a copy of the contract which proves the XXXX XXXX sold them this disputed debt. LVNV violated the FDCPA Rule 809, validating the debt of {$2000.00}. After several phone calls and email, I told LVNV to explain why they added over {$1200.00} to the debt which had not been adjusted for the unauthorized premiums and interest. LVNV did not reply. Instead, LVNV reported to the Credit Reporting Agencies that I was delinquent on the debt. LVNV was not authorized to report anything to the Credit Reporting Agencies since it was a third party who did not validate the amount of the debt and that the debt was sold to them. LVNV has damaged my credit score since XX/XX/XXXX when they started reporting I was delinquent on the unauthorized debt, violating the FCRA. They continue to ignore the disputes I have filed with XXXX XXXX XXXX XXXX. It has been reported to CFPB regarding these XXXX coverages sold by third parties to Customers which compensated the person selling the coverage. The person who took my application knew I did not qualify and processed the application anyway. LVNV is a predatory debt collector who is operating a business that has defrauded me and my credit report. XXXX XXXX has stated that the debt was no longer on their books and did not try to collect it.
|
| 05/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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TODAYS DATE : XX/XX/XXXX RESURGENT/LVNV FUNDING Account XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious RESURGENT/LVNV FUNDING Account XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
|
| 10/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to request the intervention and assistance in a matter concerning LVNV Funding LLC and Resurgent Capital Services, both of whom have been reporting an alleged debt on my credit report, account number # XXXX, which I assert does not belong to me. I have taken all reasonable steps to resolve this matter directly with the aforementioned creditors, but have encountered unresponsiveness and non-compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending them an initial written dispute letter, in accordance with the FCRA, formally inquiring about a debt of {$1600.00} that they have been reporting on my credit report. I unequivocally stated in my letter that I have no knowledge or record of opening any account with their organization, nor do I have any reason to believe that the aforementioned debt is legitimate or attributable to me.
In response to my dispute, LVNV Funding LLC redirected me to Resurgent Capital Services, stating that the alleged debt is being managed by the latter, and Resurgent responded with a hurried letter for payment, without proof of debt ownership.
In accordance with the FCRA, I promptly sent a follow-up letter to Resurgent Capital Services , and LVNV Funding LLC seeking validation of this debt and demanding that they provide clear and convincing evidence that I am responsible for the alleged obligation. However, as of the date of this correspondence, I have not received any response or communication from either LVNV Funding LLC or Resurgent Capital Services. Their lack of response not only contravenes my rights as a consumer under federal law but also undermines the integrity of the credit reporting system.
Both LVNV Funding LLC and Resurgent Capital Services continue to report the same account number # XXXX on my credit profile, without providing me with any verifiable proof that this debt is indeed mine.
I believe that my rights under the FCRA and FDCPA have been violated, as I have diligently followed the prescribed procedures for disputing and validating a debt, yet have encountered a flagrant disregard for these legal requirements by both LVNV Funding LLC and Resurgent Capital Services.
|
| 09/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Good afternoon, I noticed that my personal information was sold to a third party company in order to collect a debt that I wasnt even aware of. Therefore your company violated my personal rights such as, Law 15 U.S. Code 1681s ( stats ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Etc.
15 U.S.C. 1692d ( stats ) A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
Etc
|
| 03/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I, XXXX XXXX, a consumer, am notifying you that I dispute both alleged debts pursuant to 15 USC 1692g. XXXX XXXX XXXX says this account was allegedly opened XX/XX/20 and LVNV Funding has a completely different date listed which is inconsistent further confirming their allegations are false.
I do not recognize how these accounts are reporting on my credit report. I do not recognize the account numbers ; I do not recognize the account status. I also do not recognize the account high balances not the late payments associated with these alleged debts. I REQUEST THAT YOU PROVIDE TO ME VALIDATION OF THE ALLEGED DEBTS. VALIDATION CONSISTS OF FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND IT MUST BE NOTARIZED. IT ALSO MUST HAVE A COPY OF MY WET SIGNATURE.
Since these alleged debts are disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of these alleged debts which includes reporting to my consumer report with XXXX, XXXX, AND XXXX.
I hereby inform you that you do not have my consent to communicate with me through any medium whatsoever. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.
I request that you provide me the Aggravated Value of Purchase showing how much you paid for these debts. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY MONEY MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND IS FALSE AND MISLEADING.
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASZSE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Sincerely, XXXX XXXX
|
| 10/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to request the intervention and assistance in a matter concerning LVNV Funding LLC and Resurgent Capital Services, both of whom have been reporting an alleged debt on my credit report, account number # XXXX, which I assert does not belong to me. I have taken all reasonable steps to resolve this matter directly with the aforementioned creditors, but have encountered unresponsiveness and non-compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending them an initial written dispute letter, in accordance with the FCRA, formally inquiring about a debt of {$1600.00} that they have been reporting on my credit report. I unequivocally stated in my letter that I have no knowledge or record of opening any account with their organization, nor do I have any reason to believe that the aforementioned debt is legitimate or attributable to me.
In response to my dispute, LVNV Funding LLC redirected me to Resurgent Capital Services, stating that the alleged debt is being managed by the latter, and Resurgent responded with a hurried letter for payment, without proof of debt ownership.
In accordance with the FCRA, I promptly sent a follow-up letter to Resurgent Capital Services , and LVNV Funding LLC seeking validation of this debt and demanding that they provide clear and convincing evidence that I am responsible for the alleged obligation. However, as of the date of this correspondence, I have not received any response or communication from either LVNV Funding LLC or Resurgent Capital Services. Their lack of response not only contravenes my rights as a consumer under federal law but also undermines the integrity of the credit reporting system.
Both LVNV Funding LLC and Resurgent Capital Services continue to report the same account number # XXXX on my credit profile, without providing me with any verifiable proof that this debt is indeed mine.
I believe that my rights under the FCRA and FDCPA have been violated, as I have diligently followed the prescribed procedures for disputing and validating a debt, yet have encountered a flagrant disregard for these legal requirements by both LVNV Funding LLC and Resurgent Capital Services.
|
| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately.
XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
XXXX XXXX XXXX XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus.
LVNV FUNDING LLC XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
XXXX XXXX XXXX XXXX Balance : {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.
XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.
XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.
XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
|
| 04/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT LVNV FUNDING LLC XXXX XXXX XXXX have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 04/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( XXXX ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( XXXX ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( XXXX ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( XXXX ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true. the following account is not accurate XXXX XXXX XXXXXXXX XXXX XXXXXXXX
|
| 03/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX XXXX XXXX XXXX XXXX, WI, XXXX Trustee in care of XXXX XXXX XXXX MR. XXXX XXXX, CEO RESURGENT CAPITAL SERVICES LP XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RESPONDENT This is a legal notice. Please read it carefully as it means what it says. If you fail to comply with this notice, then you will be deemed to be in agreement to my fee schedule outlined below. Do not ignore it.
Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL XX/XX/2019 RE : NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE, ACCOUNT # XXXX and # XXXX Dear Mr. XXXX, CEO : On XX/XX/2019, you were sent notice of Conditional acceptance for value for proof of claim upon corporation 's contract, for determination of 'meeting of the mind ', 'Fraud on the Contract ', and/or 'unconscionable contract ', and/or agreement for commercial discharge, Account # XXXX and # XXXX. This notice was sent by Certified Mail # XXXX. You did not respond accordingly.
You failed to perform after receiving these presentments from XXXX : XXXX, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said Notice mentioned above from the undersigned.
The time limit has elapsed, constituting acceptance by Respondent / XXXX thereof instead of providing a timely response / rebuttal to the allegations of the Secured Party. An unrebutted Affidavit stands as the judgment in commerce.
As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault. Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise.
Thank you for your prompt attention to this matter.
Sincerely, Without Prejudice Authorized Representative XXXX : XXXX
|
| 04/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home.
I would like to file a complaint on XXXX XXXX Account # XXXX in the amount of a {$800.00} Credit Limit as well a XXXX XXXXXXXX Account # XXXX where both accounts are now showing on my consumer file as delinquent.
I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking with my daughter and providing her with information regarding this debt advising debt information on a few occasions as well as via text messages, this violates 15 USC 1692 ( b ) ( 2 ) also by submitting XXXX XXXX Post cards/mail with logo which violates 15 USC 1692 ( b ) ( 4 ) ( 5 ) 15 USC 1692 ( d ) Harassment or Abuse this debt collection agency may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limited the general application of the foregoing, the following conduct is a violation of this section. This debtor has done so by repeatedly and continuously harassing me by causing telephone to ring, with the intent to annoy abuse and harass my daughter and I.
I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.
|
| 11/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX I informed Resurgent Capital Services/LVNV Funding LLC via the CFPB I've become a victim of identity theft. On XX/XX/XXXX I sent a written dispute requesting debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. As of XX/XX/XXXX I have NOT been provided competent evidence of my legal obligation to pay Resurgent Capital Services/LVNV Funding LLC .
I requested the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
What the money you say the alleged debtor owes is for.
Explain and show how you calculated the alleged debt.
Provide me any documents that show proof I agreed to pay the alleged amount owed.
Please provide the name and address of the bonding agent for Resurgent Capital Services/LVNV Funding LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
Please Note : A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ).
Pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, Resurgent Capital Services/LVNV Funding LLC is in violation by not responding to my notice of Identity theft within 30 days.
|
| 02/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX and Complaint against XXXX, Resurgent Acquisition, LLC, LVNV Funding, LLC and Resurgent Capital Services LLC On XX/XX/XXXX XXXX XXXX submitted a computer-generated respond to my injury regarding illegal collection of not validated " debt '' where XXXX posed as " original creditor '' for account ending XXXX and LVNV Funding, LLC posed as a current " creditor '' According to XXXX, my alleged loan was originated on XX/XX/XXXX, but XXXX was not able to provide me a copy of my Agreement to pay them, as recorded on their books and records. I demand XXXX to disclose if the loan account receivable was created for my transaction and my payments were deposited on this account receivable, along with a copy of the ledger for this account receivable to verify my payments. Billing statements are not the ledger and are coming from undisclosed to me XXXX XXXX.
Furthermore, XXXX said that my alleged " loan '' was sold to Resurgent Acquisitions, LLC. I demand XXXX to disclose when my loan was sold to Resurgent, where this transaction took place, the names of individuals who conducted this sale ; and proof of payment for my loan received by XXXX, such as copy of wire transfer receipt, ACH or cancelled check.
I demand Resurgent Acquisitions, LLC provide me proof of payment made for my loan, sch as copy of wire transfer receipt, ACH or cancelled check, and the name of an individual officer of Resurgent who facilitated this purchase, when and where. I further demand a copy of the account receivable ledger for my alleged loan from Resurgent Acquisitions On XX/XX/XXXX Resurgent Capital Services, LP submitted computer-generated respond where they claimed that the current owner of my alleged loan is LVNV Funding, LLC and Resurgent Capital Services , LP is the Servicer of the Account.
This respond contradicts with XXXX 's letter where XXXX said that my loan was sold to Resurgent Acquisitions, LLC., not to LVNV Funding, LLC.
Its unclear to me how LVNV became my creditor and whose account is serviced by Resurgent Capital Services, LP I demand LVNV to provide me validation how LVNV became my Creditor ( and never informed me about it ), and documents in support of their right to file a Claim in my bankruptcy case to collect from me.
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| 01/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Sometime last XX/XX/XXXX, I found out after I was denied credit, I requested a copy of my credit report and found out that I was a victim of identity theft. I went to the XXXX XXXX Police Office and reported the incident. I called and sent a letter to all the creditors and submit a copy of the police report. It took a long time for me to fix this but 95 % of the creditors agreed that I am not responsible on these debts. I did have a problem with this LVNV Funding LLC XXXX XXXX account per the collection agencies. This account has been reported as my account on XXXX Credit Reporting Agency since XXXX. I was recently denied personal loan by XXXX XXXX because of this collection that is not mine as explained to both XXXX and LVNV funding since XX/XX/XXXX and they still continue to report it as a collection. I have repeatedly requested to XXXX also to dispute this with the creditor within 30 days from the time I sent them the letter but they didn't act on it and then I found out that they reported me as deceased which I was really very very upset and complained directly by phone call and letter to XXXX to correct it immediately.
I don't know but XXXX XXXX approved me for a credit card last year and I have maintained a good credit history with them. I called them and told me that they don't know anything about the account being reported by LVNV Funding. Please help me with this company clearing my name asap and with XXXX in which I can't get a personal loan because they are reporting this as a bad credit and a past due account. It was opened sometime last XXXX I believe on XXXX and LVNV funding started opening the account sometime in XXXX up to this present time. Attached are copies of documents I sent them to clear my account.
Thank you very much for your attention and consideration in helping me clear my name as I honestly saying that I was a victim of identity theft. My credit standing and history is excellent at the present time after I cleared out my name on this mess.
LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX XXXX ( Phone ) XXXX XXXX XXXX XXXX XXXX, GA If you need me to send you the document for your review, I would be glad to email it to you if you request it. Thanks and God Bless!
XXXX XXXX XXXX XXXX XXXX
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| 04/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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Hello, I have a problem. Recently back in XX/XX/XXXX I tried to open a local bank account with XXXX XXXX. I was denied So I questioned what was on my report that caused this. I notice many accounts in which some I recognize and some which i do not recall, not that they could n't be mine I just have no record of it and do not recall having said account. This is an account i do not recall but have tried to settle it with the third party reporting it on my credit and the original creditor. I have recently mailed multiple letters to the Third party Company LVNV FUNDING LLC at mailing address XXXX XXXX XXXX XXXX, SC XXXX. My first letter was on XX/XX/XXXX where I requested the amount owing for this account in exchange for the exchange of the original instrument of indebtedness in its original form. I wrote LVNV Funding again on XX/XX/XXXX because I had received a response from the original creditor. But in my letter dated XX/XX/XXXX to LVNV I offered again to settle the account immediately upon receiving a copy of the original instrument of indebtedness in its original form. I still had received no response.I wrote another letter to LVNV Funding on XX/XX/XXXX since I had not received a response to my initial letter. I again offered to pay this account upon receiving the original instrument of indebtedness. I still received no response to date. But this alleged account continues to be reported on my credit in a collection status which has made me not being able to qualify for a pre-approved Va home loan. I have also contacted the original company via USPS mail on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, in which each letter I offered to settle this account immediately but on each response from the original creditor ( XXXX XXXX XXXX ) which i received on the following dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. In the letters received XXXX XXXX either referred me to LVNV Funding LLC or told me they do not need to provide any information pertaining to this account and again referenced me to the third party company. I have also sent all communication to the 3 credit bureaus in order for them to obtain facts from these companies ln which all have returned their investigation as this alleged account being correct and verified.
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| 10/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The company LVNV Funding LLC is reporting a collection account to my XXXX and XXXX credit reports. This account shows it is in the care of Resurgent Capital Services on my XXXX credit report. It also lists an address associated with Resurgent Capital Services on both credit reports. It also has the wrong address zipcode because on one it has XXXX and the other as XXXX.
I have disputed this account multiple times with XXXX and XXXX and each time it was verified as accurate and/or updated. I sent a certified letter to the address listed on my credit reports requesting validation which was received on XX/XX/XXXX and disputed the account on XX/XX/XXXX with the credit bureaus XXXX and XXXX the item was verified. I still had not received sufficient validation or any of the documentation I requested from LVNV Funding or Resurgent Capital Services so I contacted them on XX/XX/XXXX inquiring about them verifying information with the credit bureaus but failing to sending any validation for the alleged debt. The representative said validation had been sent on XX/XX/XXXX and I would receive it by the end of the week. Well once I received validation in the mail I see it was sent First Class Mail and stamped by the post office on XX/XX/XXXX. They ignored my request for validation and then rushed an account summary form Resurgent Capital Services and what seems to be a bank statement and did not include any of the other information I request for validation.
The representative I spoke with on XX/XX/XXXX exact words were " Everything that you have requested in your letter we have sent you. We have sent you all the validation of debt that we can legally send you. So, again you will receive that. If you are not content with what we have sent you, you can request more information, but at this time we basically have sent you what we can in regards to your list and what we can send out legally. '' During this conversation the representative ( XXXX ) told me that a cease and desist was place on my account on XX/XX/XXXX and also stated this account was also purchased on XX/XX/XXXX. This is ludicrous since this cease and desist was added the same day this account was purchased and I had no knowledge of this account on this date.
|
| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
3. XXXX Account Number : XXXX Please remove it from my credit report.
4. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
6. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
7. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report.
15. Account Number : XXXX Please remove it from my credit report.
16. Account Number : XXXX Please remove it from my credit report.
17. LVNV FUNDING LLC Account Number : XXXX Please remove it from my credit report.
Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
|
| 04/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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Back in XX/XX/XXXX i was sent a letter from a company called " LVNV Funding ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was XXXX XXXX ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with Transuion citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my Equifax report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from LVNV Funding, i also got a letter last week from a company called " Resurgent Capital Services '' who claim they manage the account with LVNV Funding. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company Resurgent advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.
|
| 04/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
|
|
The last day XXXX XXXX XXXX and Resurgent Capital reported to the credit reporting agencies was XX/XX/XXXX. On that day they reported I owed {$740.00}.
It is now a month later ( XX/XX/XXXX) and they are still reporting that I owe {$740.00}. In addition, they have already garnished my paycheck for MORE than that amount. The total money they fraudulently took from me was {$1000.00}.
It has been more than enough time for them to update this and report that the matter has been closed and to remove it from my credit report.
They fraudulently ballooned the charges up to {$1000.00} when they asked for the garnishment order. They NEVER reported that amount being owed to the credit reporting agencies.
XXXX XXXX XXXX and Resurgent Capital Services L.P. have unlawfully collected on this debt. I have not signed any agreement or contract with either of these entities. This is a common action they often abuse unjustly and unfairly by doubling or quadrupling the debt when they acquire it even when the debt has been charged off or exhausted.
They have not stated the date in which they claim to have taken ownership of this debt AND they have not even provided proof of their ownership of this debt. Instead they were hoping to scare me into inaction so they could get a default judgment. This is an unscrupulous practice whereby they purchase debts for as little as possible by only obtaining the bare minimum amount of information needed in order to threaten and coerce the consumer into making payments.
Another routine practice of theirs to trick consumers out of their hard- earned monies is they often pass the debt between their multiple entities ( Resurgent Capital Services LP , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in order to entrap, trick, and restart the debt, which supports ethical fallacies, rationale fallacies and rhetorical fallacies which is reprehensible by all means, despicable and corrupt.
Anyone who spends any time researching XXXX can find numerous examples of their phony business conduct, which are unfair and deeply troubling.
|
| 11/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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To whom it may concern : I ( XXXX XXXX XXXX have reviewed my credit report and see that your company has listed an account XXXX XXXX XXXX bank card XXXX on my credit file with A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. I have never had an account with this company nor have I did any business with this company.
Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you.
Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provid me with physical papers papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my stat, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
|
| 09/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately.
Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to Sherman Originator on XX/XX/XXXX. Yet LVNV lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that LVNV has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report.
It must also be noted that in the letter forwarded by the companies XXXX XXXX and LVNV deliberately withheld information regarding the amount that the account was sold to Sherman Originator LLC for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that LVNV is claiming to be owed. The fact that LVNV is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately.
I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.
|
| 04/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX PINNACLE LLC/RESURGENT XXXX XXXX XXXX, XXXX, SC XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 05/22/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Servicemember |
|
On XXXX XXXX 2015 I mailed ( via Certified/Return Receipt ) a " cease and desist '' letter to Resurgent Capital Services. Letter was received and signed for by a XXXX XXXX on XXXX/XXXX/15. Today, XXXX/XXXX/15, I received another " debt validation '' lettter from Resurgent Capital Services dated XXXX/XXXX/15.
USPS Article Number : XXXX XXXXText of Letter sent : Gentlemen : I am writing in response to your letter of XXXX XXXX, 2015 in connection with your proposed collection of the above-referenced " debt ''.
After thoroughly researching this matter, it is obvious to me that I do not owe what your firm claims I owe. In fact, I emphatically dispute this alleged " debt ''. As I am aware of my rights under the Fair Debt Collection Practices Act ( hereinafter " FDCPA '' ) as well as Texas State law on the subject of debt collection, I dispute the validity of this debt.
Please let this letter serve as formal notification that I consider this matter permanently and forever closed, and I hereby demand that your firm or any of its affiliates immediately cease and desist from any further contact with me regarding this matter except that I demand your firm confirm with me, in writing, that your debt collection efforts in the above matter have been immediately terminated or that you or the " creditor '' are taking specific actions permitted by the FDCPA or pursuant to Texas State law.
Please be advised that I will consider any further contact of any kind from your firm or its affiliates ( except as to the above-mentioned confirmation by your firm that the referenced matter is closed ) to be in direct violation of the FDCPA, and that any such further contact from your firm or its affiliates will also be considered a violation of the laws of the State of Texas pursuant to debt collection. As such, please be further advised that any further communication ( whether written, oral, electronic or otherwise ) by your firm or its affiliates will, in fact, be reported to the Texas State Attorney General and the Federal Trade Commission. As I am sure you are aware, violations of the FDCPA may result in, among other things, your firm being fined up to {$1000.00} per incident.
Please be guided accordingly, Very truly yours,
|
| 11/07/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I am writing to bring to your attention an issue I recently identified on my credit report, which I strongly believe to be inaccurate and detrimental to my credit status. The item in question, as detailed below, is adversely impacting my financial standing : Account # : XXXX Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/2023 Balance : {$450.00} No. of Months ( terms ) : 1 High Credit : {$690.00} Credit Limit : {$0.00} Past Due : {$450.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/2023 Comments : Customer disputed account - reported by subscriber.
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department.
CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/2023 Date of Last Payment : XX/XX/2023 Per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. I have personally observed this entry and can confirm that it is both erroneous and adversely affecting my credit profile. Consequently, I insist on its immediate removal from my credit report to rectify the damage it has caused to my financial standing.
I kindly urge you to undertake a thorough investigation to validate the accuracy of this information with the creditor. Should it be verified as inaccurate or unverifiable, I request its swift removal from my credit report.
Under the FCRA, I understand that you are required to complete this investigation within 30 days and provide a response to my request. Therefore, I kindly request that you expedite this process as much as possible to alleviate the adverse impact on my credit.
Furthermore, I request that you acknowledge receipt of this dispute letter within 10 business days and provide me with a case or reference number for tracking purposes.
Thank you for your prompt attention to this matter. I am dedicated to resolving this dispute in a timely and cooperative manner and sincerely appreciate your assistance in helping to maintain the accuracy of my credit report.
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I, XXXX XXXX, am a federally protected consumer and THIS IS NOT A DUPLICATE COMPLAINT AGAINST LVNV FUNDING/RESURGENT CAPITOL, ( and not the same complaint as complaint # XXXX that is submitted through this portal ), but yet another/different complaint against this company for violating a cease & desist sent to them on XX/XX/2022, via certified mail with tracking # XXXX marked as delivered on XXXX at XXXX. ( certified return receipt attached labeled Exhibit B ). LVNV Funding/Resurgent Capitol has violated my rights to privacy as a consumer, and is in violation of the FCRA and the FDCPA. According to 15 usc 1692c ( C ) LVNV Funding/Resurgent Capitol is in violation by continuing to contact me via USPS after receiving a cease and desist. The Law states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt OR that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector SHALL NOT communicate further with the consumer with respect to such debt, EXCEPT- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ''. The law goes on to say, " If such notice from the consumer is made by mail, notification shall be complete upon receipt ''. Attached and labeled as Exhibit A are scanned copies of LVNV Funding/Resurgent Capitol sending a total of five ( 5 ) different correspondences/letters ( a total of thirteen ( 13 ) pages ) ( last page with violations ) to my address, all dated for the same day of XX/XX/2022. It is obvious that this must be a computer generated error. Nevertheless, LVNV Funding/Resurgent Capitol is responsible for this error. It is my belief that LVNV Funding/Resurgent Capitol has blatantly disregarded not only my request to cease and desist, but also the Federal Laws by continuing to use unfair, unlawful, abusive debt collection practices. This company is also reporting this same account as closed on XXXX and XXXX, and reporting as a collection account on XXXX. All of this activity and inaccurate reporting is causing me much stress and harm, not only to my health but also to my financial reputation and is also a violation to my rights to privacy according to 15 usc 1681.
|
| 07/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
LVNV has appeared on my credit report for alleged debts owed. I have written multiple letters requesting validation of debt, including original contract, signature, amount owed, etc and they only respond with summary of what is already on the credit report, no real information, nor the information requested. Additionally I was surprised with a wage garnishment from one of them when I had NEVER been given a dispute opportunity much less the opportunity to go to court and dispute anything or even ask for proof of debt in court which I am confident they can not provide!! To make matters worse since the garnishment was put in place they are still reporting to the credit agencies late fees, interest etc and total is increasing regularly. I have now paid almost the entire thing off via garnishments and they are not reporting said payments, only increasing the amount.
The garnishment paperwork sent to my employer also required them to send over my bank name, account number and routing number which they even said in 30 years they have been doing garnishments, they had never been asked for. I have written, called and emailed LVNV, the lawyers in OK handling the case asking why I was never informed, asking for proof and wanting to know why my personal bank information was required to be shared and I can not get a response.
I feel like my hands are tied since it already went to court without me and I am already being garnished but can not help but feel they are doing alot of illegal activity or at the very least immoral. None of the rules have been followed, my personal banking information has now been shared and none of my payments on this alleged debt are being reported.
Since this has taken place it appears as though LVNV is now on my credit report a total of 3 times, 3 different amounts reflecting due with 3 different account numbers. I have written them ALL requesting the validation of debt with contract, signature, etc and have gotten nothing back. How is it they have so much power and can do so much damange and not be held accountable and still be in business as shady as they are and we have so very little power to do anything about it? Not everyone can afford lawyers to fight these times of things.
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| 05/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Please refer to complaint ID XXXX submitted on XX/XX/XXXX.
On XX/XX/XXXX, I filed a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX received my consumer complaint and closed my account. They also notified their client to do the same stating, " We are in receipt of the Consumers dispute and have notified our client of the same. Our office has placed an immediate cease on any attempts to communicate with the Consumer regarding this matter. '' XXXX XXXX XXXX has disregarded this notification and proceeded to send my account to yet another collection agency. This time, for the balance of {$120.00} which is why I am filing another complaint against XXXX XXXX XXXX and the new collection agency, Resurgent Capital Services, who I need to notify within 30 days that I am disputing the validity of this debt.
At this time, I would like to file a complaint against XXXX XXXX XXXX and Resurgent Capital Services. I don't know XXXX, XXXX 's address or how to get in touch with them, so I am sending them a letter care of Resurgent Capital Services which is within the 30 day window to dispute the validity of this debt.
As I stated in my last complaint, " My credit card was breached XXXX XXXX. My bank cleared the charges that were made at the time and I changed my card. These charges were made after I closed that credit card, and therefore, did not show up on my statement. I did not make these purchases, nor did I receive any services. The charges were made to XXXX. XXXX then sent the charges to a collection agency called XXXX XXXX and that was the first time I knew about the charges. I did not know how to get in touch with XXXX, but I wrote to the collection agency to clear it, but they sent me a letter saying I still owed it on XX/XX/XXXX. I filed a complaint with the FTC Report XXXX : XXXX on XX/XX/XXXX. I just received another letter from a different collection agency, XXXX XXXX XXXX who said that they purchased my account from XXXX and is giving me until XX/XX/XXXX to pay {$210.00} of the total balance of {$350.00}. Again, I did not make any payments because I did not receive any services. '' On XX/XX/XXXX, XXXX XXXX responded that they closed my account.
All documents are attached below.
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| 08/22/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX ( XXXX XXXX XXXX ) ACTION : XX/XX/2017 This letter is regarding an account, which you claim I owe {$600.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
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| 06/17/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
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| 07/07/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to LVNV Resurgent Capital Services by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period , LVNV Resurgent Capital Services is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). LVNV Resurgent Capital Services communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ).
Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).
Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. LVNV Resurgent Capital Services has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. LVNV Resurgent Capital Services must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.
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| 04/29/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Good afternoon, I am filing a complaint against the LVNV Funding for placing a Bank Account Levy on my husband 's account. This took place on Wednesday, XX/XX/2019. XXXX XXXX stated they had a court order, which I never received any paper work stating I was being sued. I just received in the mail on Saturday, XX/XX/2019 a letter regarding to contact Mr. XXXX XXXX-XXXX to make payment arrangements. This letter was received after Levy was already put on my husband 's account.
My husband had {$1200.00} in his account, which is frozen at the moment. This was done on Wednesday, XX/XX/2019. The Levy was on me for a credit card I had before our marriage. My name is on the account for emergency purposes and due to I pay the bills using my husbands account. I do not have any funds going into that account. I send my husband {$1000.00} a month for my part of the rent. Other then that, there's no other monies of mine going into this account. I have stated this to them several times. I have submitted all documents they requested proving that the funds in this account belong to my husband. They have requested 3 months of bank statements and I sent 4, then they requested copies of his pay stubs, which I sent them 5. After sending every request to them I had to wait 3 hours to contact them, and when I did it was never sufficient. This third party LVNV is requesting information we can not give them. They are requesting for a bank statement showing when the Levy took place, which does not show on my husbands statement. We went to the bank and requested a copy, but they denied us a copy. XXXX XXXX stated we needed to wait for the copy they mailed to us. We told XXXX XXXX this was needed immediately and could not wait for the copy that was mailed. We were continuously denied information on my husband 's account.
The Credit Card I supposedly was sued for was XXXX XXXX, which was bought by LVNV Funding/Attorney XXXX ( a third party ).
I have attached the letter which I mentioned above, which was the only letter I received regarding this matter. Also, as I mentioned above, this letter was received after the fact of freezing my husband 's account.
The docket number is : XXXX XXXX Respectfully Yours, Mrs. XXXX XXXX
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| 05/29/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 10/28/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 08/03/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I received a letter from a debt collection company by the name of XXXX XXXX XXXX XXXX dated XX/XX/XXXX - which states that the current creditor is XXXX XXXX who is in affiliation with Resurgent Captial. The letter they sent me clearly violates the FDCPA 807 ( 10 ) " False or misleading representations '' in which the preclude to the letter states " Assigned as a Pre-Legal Account ''. The letter continues on with multiple misleading and confusing statements cited as : If we can not resolve this account, our client will place the account with a law firm and in the same paragraph goes on to state We do not make any decision whether to place any account with a law firm as that decision rests solely with our client. No decision will be made regarding whether to place any account with a law firm until after the end of time frame described below. This is clearly misleading as in one sentence they tell me it WILL be placed with a law firm and a few sentences later it is inferred that it may or may not be sent to a law firm by the beginning sentence of No decision will be made regarding whether to place. This is an illegal practice under FDCPA in which the debt collector is threatening legal action that has no proven intent and is also violation committed by XXXX XXXX XXXX under FDCPA 807 ( G ) ( 5 ). Any letter from a debt collector or creditor has to be clear and concise and be able to be understood by the least sophisticated consumer. The materiality element of the Least Sophisticated Debtor Standard does not hinge on what an ordinary individual might reasonably interpret from a debtors communication, but rather, a material statement is one that has a natural tendency to influence or has the capability of influencing the decision of the decisionmaking body to which it was addressed. Id. Here, the relevant decisionmaking body is the least sophisticated debtor. Id. ( citing XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ).
Furthermore, XXXX XXXX XXXX states that the " current creditor '' is XXXX XXXX. Under the FDCPA the term " creditor '' is defined as anyone who extends or offers credit. XXXX XXXX XXXX nor XXXX XXXX ( Resurgent Capital ) has ever extended or offered any credit to me.
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| 06/16/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX is the collection agency attempting to collect on a " Re-Aged '' account. There has never been any activity on this account but the collection agency sought to make it appear falsely to have recently had activity to falsely make the debt appear to be current. they falsely claim the debt Opened, XX/XX/XXXX ( 6 mos ) when in fact the debt was originally with XXXX XXXX XXXX XX/XX/XXXX and was successfully resolved with them verifying the debt was not owed, and then removed form the credit report. XXXX purchased the file ( probably along with numerous others ) and sought the action without verifying the debt was owed.
I contacted the collection agency and demanded verification of the debt, I contacted the collection agency and demanded the proof the purchased the debt, I demanded the collection agency remove the debt form negatively affecting my report. I filed these documents directly in writing over 3 mos ago and they have failed to respond timely as is required, and failed to act upon the duties held under Fair Credit collection act.
I wrote to the collection agency the following : If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have Already done so ), also report that the debt is disputed.
I also spoke with XXXX who indicates they reflect no such debt outstanding in their records, the resolve with XXXX was that they had continued billing after move out date and stop service notification. The Michigan Public service Commission also helped to resolve the claimed bill owed as I remember, XXXX XXXX The following is appearing on my report : ( XXXX ) XXXXLast reported : XX/XX/XXXX {$160.00} Needs Attention Account status- Open Type -- Responsibility - Individual Remarks : Account information disputed by consumer, meets FCRA requirements
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| 01/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Lvnv Funding ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018.
This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
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| 09/20/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have no idea who LVNV FUNDING LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. LVNV FUNDING LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
I have requested information from LVNV FUNDING LLC via certified mail and they did not respond to my request and no information was provided.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized LVNV FUNDING LLC as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ LVNV FUNDING LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to LVNV FUNDING LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
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| 10/17/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/2022, I called in and set up a payment arrangement with XXXX XXXX XXXX for a total of {$50.00} originally, then $ XXXX month afterwards, in which, then my account balance was on {$550.00}. The representative that I spoke with, a female, acknowledged the arrangement as she tried to get me to make a payment of {$110.00} on that day. I told her that I did not have that amount on that day, but I would happily make the {$50.00} payment, and the {$100.00} payment in the following month. The following week, I received a call from a male representative from XXXX XXXX XXXX asking for a payment, I advised him of the arrangement that I had made the previous week, in which he denied seeing in their system and he even stated that XXXX XXXX XXXX does not offer payment arrangements, although on my XXXX XXXX XXXX app, it states to call them if there is difficulties making payments, in which I attempted to do. The following week after I had spoken to the male representative, I discovered that my whole account was locked. the last contact with XXXX XXXX XXXX was a paper statement in XX/XX/, asking for a payment of {$61.00}, although my account was locked by then. In XXXX, XXXX upon my last availability to access my account, my balace was on $ XXXX. In XX/XX/2022, I started receiving debt collectors letters from a company named XXXX XXXX XXXX XXXX who said that they were a debt collector, trying to collect a debt for LVNV for {$940.00}, a company in which I had never had business with, nor have even heard of. Upon checking, it states that LVNV was a debt collector, attempting to collect a debt for XXXX XXXX XXXX. As time goes by, I started receiving the same letters from a company called Resurgent Capital Services, who is trying to collect a debt for LVNV Funding, LLC on behalf on XXXX XXXX XXXX. I am disputing the amount of the debt, I am disputing the companies involved, in whom I've never had any business with. I'm not an expert by far, but this look very predatory to me. How does my account go from the {$600.00} 's, to lock, then to debt collectors, trying to collect debt for one another for {$940.00}?. How does my account continue to grow interest and fees when it's " closed. ''
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| 12/29/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Older American |
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XX/XX/2021 Dear XXXX XXXX, Lvnv Funding Llc has purchased your XXXX XXXX XXXX account from XXXX XXXX XXXX.
Your account has been placed with our office for collections. We understand that this can be an unpleasant experience, but we want you to know that we are here to assist you.
We want you to feel like a person, not an account ( it is sort of our thing ) We have payment options available online 24/7 if you would like to make a payment.
If you would like to resolve this matter, but are unable to take advantage of the options offered on our portal, ( seriously, take a look and tell me those are not some sweet options ) please don't hesitate to contact us at ( XXXX ) XXXX or simply respond to this email so one of our account representatives can follow-up with you as soon as possible.
Current offer : Up to {$450.00} off in up to 18 payments View My Options Have questions? Call us at ( XXXX ) XXXX or simply reply to this email so we can assist you.
The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency.
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request from this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different than the current creditor.
Our Reference Number : XXXX Original Creditor : XXXX XXXX XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Current Creditor Account Number : XXXX Total Balance Due : {$910.00}
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| 08/24/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was notified on Wednesday, XX/XX/XXXX that a judgement was placed against my name, and a lien placed on a property I co-owned with my husband. We were notified of this judgment by the closing attorney, two days before the closing of our land was scheduled ( XX/XX/XXXX ). We were told that a large amount of money would have to be paid at closing. I called to speak with XXXX XXXXr, General Manager of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- the law firm representing the creditor, XXXX XXXX. I was notified by the closing attorney and by XXXX XXXX that my social security number matched their records, and that this judgement was mine. I do not recognize the name of the credit card in question. The card name is from the XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX/Mastercard . XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( a partner who recently merged with The XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) informed me that this was the name of the card used to accumulate these charges. I do not recall having a credit card by this name. When I googled " XXXX XXXX XXXX '', a few real estate developer names appeared. I could find no record via internet search of XXXX XXXX XXXX being in partnership with XXXX XXXX XXXX. I have no bank statements in my records from any such company. When I asked for a copy of all of the charges and purchases placed on the card, both XXXX XXXX and XXXX XXXX stated that they did not have this information in their records.
With two days before the closing on the sale of our land, I had to make the decision to deduct {$8800.00} from the cash sale of our property to pay XXXX XXXX. If I had not paid this amount, my husband and I would have lost the sale of our property. This amount was wired, in full, and received by XXXX XXXX, listing XXXX XXXX as a Beneficiary.
I am concerned about these charges being fraudulent. I checked my credit report today, and there was no record on my XXXX credit report of these charges. Furthermore, I never received an affidavit of service related to this lawsuit. I have also never received any notification of the judgement from The County of XXXX. The first I learned of this lawsuit was two days before the closing date of our property sale.
|
| 08/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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LVNV FUNDING LLC is in clear violation of the law for furnishing an inaccurate collection account on my consumer report with an alleged debt of {$440.00} to XXXX XXXX XXXX XXXX on ( XX/XX/XXXX ).
I have not given LVNV FUNDING LLC or XXXX XXXX XXXX XXXX written permission or authorization to report any information on my Credit Report and according to 15USC 1681 ( b ) Section 2 ; LVNV FUNDING LLC has no PERMISSIBLE PURPOSE by LAW to contact Third Parties with my private or personal, nonpublic information. Your offenses to reporting this alleged debt amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a Felony punishable up to 2 years of imprisonment in addition to civil liability along with defamation of character.
Under the New Rule REGULATION F which took effect on November 30, 2021, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule LVNV FUNDING LLC must CEASE AND DESIST the reporting of this debt immediately or I will escalate this matter by taking Legal Action against your company for your willful noncompliance.
15USC 1692 ( c ) c Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt.
I refuse to pay this alleged debt, CEASE AND DESIST all collections activity regarding this alleged debt and you must not report this alleged debt to any Third Party or Consumer Reporting Agency.
I am very certain that LVNV FUNDING LLC or XXXX XXXX XXXX can not provide me with an original signed consumer contract that gave permission to report this inaccurate information on my report and it is no other than UNLAWFUL for XXXX XXXX XXXX to sell my information to you a debt collector when I am the original creditor. ONLY I CAN VALIDATE THIS DEBT AND I DO NOT DELETE THIS ACCOUNT IMMEDIATELY OR YOU WILL BE LIABLE FOR YOUR UNLAWFUL ACTIONS.
|
| 10/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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In XX/XX/, I called in and set up a payment arrangement with XXXX XXXX XXXX for a total of {$50.00} originally, then $ XXXX month afterwards, in which, then my account balance was on {$550.00}. The representative that I spoke with, a female, acknowledged the arrangement as she tried to get me to make a payment of {$110.00} on that day. I told her that I did not have that amount on that day, but I would happily make the {$50.00} payment, and the {$100.00} payment in the following month. The following week, I received a call from a male representative from XXXX XXXX XXXX asking for a payment, I advised him of the arrangement that I had made the previous week, in which he denied seeing in their system and he even stated that XXXX XXXX XXXX does not offer payment arrangements, although on my XXXX XXXX XXXX app, it states to call them if there is difficulties making payments, in which I attempted to do. The following week after I had spoken to the male representative, I discovered that my whole account was locked. the last contact with XXXX XXXX XXXX was a paper statement in XX/XX/, asking for a payment of {$61.00}, although my account was locked by then. In XXXX, XXXX upon my last availability to access my account, my balace was on $ XXXX. In XX/XX/, I started receiving debt collectors letters from a company named XXXX XXXX XXXX XXXX who said that they were a debt collector, trying to collect a debt for LVNV for {$940.00}, a company in which I had never had business with, nor have even heard of. Upon checking, it states that LVNV was a debt collector, attempting to collect a debt for XXXX XXXX XXXX. As time goes by, I started receiving the same letters from a company called Resurgent Capital Services, who is trying to collect a debt for LVNV Funding, LLC on behalf on XXXX XXXX XXXX. I am disputing the amount of the debt, I am disputing the companies involved, in whom I've never had any business with. I'm not an expert by far, but this look very predatory to me. How does my account go from the {$600.00} 's, to lock, then to debt collectors, trying to collect debt for one another for {$940.00}?. How does my account continue to grow interest and fees when it's " closed. ''
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dear LVNV FUNDINGXXXX I am writing to dispute the LVNV FUNDING account ( Account number : XXXX ) that is listed on my XXXX credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with LVNV FUNDING.
I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b.
I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report.
Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report.
Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by LVNV FUNDING is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report.
In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : XXXX
|
| 08/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
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Web |
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XXXX at XXXX I received a phone call from them. He stated his name was XXXX and he was trying to collect a debt, I told him I am a XXXX XXXX XXXX and I don't have any money coming in, and he told me he can give me a 55 % discount if I pay it now. I again repeated to him I don't have a job I am a XXXX XXXX XXXX and I asked if this was his best call back number because my intent was to pay for it within the next few months, ( i'm cleaning up my credit ). He then tried to tell me he can spread the payments out to {$20.00} a week. I again repeated to him, I do not have a job I am a full time college student, I don't want to make a promise to pay for it right now and it makes my credit worse. He then continued, to tell me that I was being irresponsible for not paying my debt, I then proceeded to advise him again I am a XXXX XXXX XXXX I don't have any income so I can not pay for it, he then told me I haven't been a student for 5 years when this account opened. and its NONE of their business but I was in a CAR ACCIDENT shortly after this account was opened, After telling him that and telling him that I've been a student for 3.5 years he then told me that I will not be getting anymore student loans if I do not pay off this debt. He also asked me " so since your a XXXX XXXX XXXX are you in school for 12 hours a day '' I responded no I take 4 or more classes every semester, he then told me that his daughter is a XXXX XXXX XXXX and has a job and is responsible enough to pay for her debt ...? I don't understand, he doesn't know my situation like I explained earlier when I told him I got into a car accident but again its none of his business. I could be dealing with a family deaths, COVID, I could be homeless, I could have XXXX, YOUR COMPANY DOESN'T KNOW, SO THIS HARASSMENT WAS COMPLETELY UNPROFESSIONAL. The call continued where he was just spewing all these different things to try to get me to pay for the debt, it got to the point where I asked him if he was hired to harass me because that what this call turned into. I hung up 7 minutes into the call because my husband was getting frustrated that there was a MAN harassing me on the line trying to degrade me in order to pay a debt.
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| 06/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
I am writing to express my ongoing concern about the disputed debt referenced in CFPB Case # : XXXX ( Upload response letter from Dept Collector on the original case I was not able to respond back to ). Despite my repeated requests, I feel that the debt validation provided by Resurgent Capital Services on behalf of LVNV Funding LLC has been insufficient and not in alignment with my rights under the Fair Debt Collection Practices Act ( FDCPA ).
While I acknowledge the documents they have provided so far, I must reiterate that these alone do not adequately validate the debt in question. XXXX credit statements, Resurgent letters, and an account summary from Resurgent Capital Services, without the original credit agreement bearing my signature or detailed account statements from XXXX XXXX, do not provide the necessary evidence to confirm this debt as mine.
In addition, the Transfer and Assignment document, though it points to a transaction between Resurgent Acquisitions LLC and LVNV Funding LLC, lacks specific information about my individual account. Without the attached Exhibit A or evidence showing a clear chain of assignment from XXXX XXXX to LVNV Funding LLC, it is not possible to affirmatively link this debt to me.
It is not my intent to avoid a legitimate debt ; however, I must insist on exercising my rights to ensure that this debt is indeed mine before taking any further steps. Therefore, I am again asking LVNV Funding LLC and Resurgent Capital Services to provide a thorough validation of this debt, specifically : 1. The original credit agreement from XXXX XXXX that bears my signature.
2. Detailed account statements from XXXX XXXX showing the progression of the debt.
3. A copy of Exhibit A, which lists my specific account as part of the transferred assets.
4. Proof of each assignment of this debt from the original creditor to the current debt holder.
I firmly believe it is inappropriate for this disputed debt to continue being reported to credit bureaus before it is fully validated. I kindly request that this process be expedited to resolve this issue.
Thank you for your immediate attention to this matter. I await your response.
Sincerely, XXXX XXXX
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| 07/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
On or about XX/XX/ XXXX I pulled my credit and found out that I had a collection account withLVNV. I did not know anything about this. I had never received a notice from LVNV. So on XXXX XXXX I sent ina letter to Resurgent who was collecting for LVNV. I wanted validation of this credit card debt. See letter enclosed. I waited and waited and nothing So on XXXX XXXX XXXX I sent in another letter stating that I am guessing they could not validate this debt. So I asked them to remove it from my credit report. I still did not hear from them I was only asking for information I had the right to ask for and they are obligated to give me. But nothing. I thought at the time they were breaking the law. Then sbout XXXX XXXX I was served a summons that they were suing me. I thiught this was not right. First of all no contact from them and they had sn old address that I had not lived on for XXXX XXXX. That is probably why I never received anything from them. I immediately sent a letter to the court explaining the whole situation how they just refused to give me the information I was entitled to and they were obligated to give me. I am guessing since they had no proof they decided maybe suing me might help their case. Since we have laws in place why does LVNV/Resurgent have the right to not supply me with the information. So they pull a fast one on me. I dont believe what they have done is right and maybe illegal. I should have had the right to have been notified about this debt that I was not aware of and if it was mine. But to just come up and sue me out of no where is just not right. Its like I am guilty without defending my self. Very on sided and a unprofessional act. I no should have been given notice, a letter before all of this Now I have to go to court and wsste the courts time over this. I had asked the court to dismiss this case but have not heard back. So LVNV cant show proof so they just sue you. Just not right. They need to follow the rules just like anybody else or should I say obey the law that is there for the consumers protection which they are obligate to furnish. They are not above the law Thank you for your time and cooperation in this matter Regards XXXX XXXX
|
| 05/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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Theres a collection account in my XXXX credit report, recently uploaded around XX/XX/XXXX. Pertaining to RCS/ XXXX XXXX . In an attempt to collect {$2500.00}, that I had already paid in a contract with XXXX XXXX XXXX, the same contract was defaulted when XXXX XXXX sent back {$200.00} of payment to the company that brokered my payments with ( XXXX XXXX XXXX XXXX acc : # XXXX ). There was only {$100.00} left to pay to comply with the contract if they hadnt done that mistake.
The collection account was previously reported in my XXXX credit report, after disputes and disputes of talking to this company and the other and credit reporting agencies and hiring credit repairing company to help me remove it with no results, I spent more than the amount owed in repairs. Finally I receive a letter from Resurgent, that the account had been closed in XX/XX/XXXX ; deleted from my XXXX credit report, but pasted and copied to my XXXX credit report to continue with their scam of stealing the fruit of my efforts. The report from RCS/XXXX XXXX on my XXXX credit report is deceptive with claims that the account has been reported since XX/XX/XXXX when in fact they reinserted the info from my XXXX credit report around XX/XX/XXXX. I made payments in a settlement with XXXX XXXX of {$1500.00} on XX/XX/XXXX. PAYMENTS : XXXX {$700.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$200.00}, already {$1400.00} paid to the settlement.On XXXX, {$200.00} was reversed to my XXXX XXXX savings account. I called XXXX XXXX to ask them why they returned the payment, they said that the payment reflected but then that the payment bounced because of no suffIcient funds. But that was a lie, because I saw the payment report to my XXXX XXXX account in my XXXX report, and later I noticed that they were only allowed to withdraw {$100.00} that month like the rest of the payments till the end, but they took out {$200.00} that XXXX, and wanted to return the money, making a default on my settlement contract, which says in the Terms that there may not be any alterations to my monthly payments until its completion or the results will be nulling and voiding the settlement.
|
| 09/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have no idea who LVNV FUNDING LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. LVNV FUNDING LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested information from LVNV FUNDING LLC via certified mail and they did not respond to my request and no information was provided. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized LVNV FUNDING LLC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ LVNV FUNDING LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to LVNV FUNDING LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
on XX/XX/23 I disputed a collection account. XXXX did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of this reporting service.
|
| 07/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
On or about XX/XX/2023 I pulled my credit and found out that I had a collection account withLVNV. I did not know anything about this. I had never received a notice from LVNV. So on XXXX XXXX I sent ina letter to Resurgent who was collecting for LVNV. I wanted validation of this credit card debt. See letter enclosed. I waited and waited and nothing So on XX/XX/2023 I sent in another letter stating that I am guessing they could not validate this debt. So I asked them to remove it from my credit report. I still did not hear from them I was only asking for information I had the right to ask for and they are obligated to give me. But nothing. I thought at the time they were breaking the law. Then sbout XXXX, 2023 I was served a summons that they were suing me. I thiught this was not right. First of all no contact from them and they had sn old address that I had not lived on for 12 years. That is probably why I never received anything from them. I immediately sent a letter to the court explaining the whole situation how they just refused to give me the information I was entitled to and they were obligated to give me. I am guessing since they had no proof they decided maybe suing me might help their case. Since we have laws in place why does LVNV/Resurgent have the right to not supply me with the information. So they pull a fast one on me. I dont believe what they have done is right and maybe illegal. I should have had the right to have been notified about this debt that I was not aware of and if it was mine. But to just come up and sue me out of no where is just not right. Its like I am guilty without defending my self. Very on sided and a unprofessional act. I no should have been given notice, a letter before all of this Now I have to go to court and wsste the courts time over this. I had asked the court to dismiss this case but have not heard back. So LVNV cant show proof so they just sue you. Just not right. They need to follow the rules just like anybody else or should I say obey the law that is there for the consumers protection which they are obligate to furnish. They are not above the law Thank you for your time and cooperation in this matter Regards XXXX XXXX
|
| 01/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
I received a Default Judgment/Cause No. XXXX ( original case number XXXX ) entered on XX/XX/XXXX, from the court of Judge XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX I never received a citation or notice. I contacted XXXX XXXX 's @ ( XXXX ) XXXX attorney at law to ask if they had received any form of notice about this default, and XXXX XXXX said, " I don't know. '' They no longer are representing me as of XX/XX/XXXX and XX/XX/XXXX. They never kept me updated about case number : XXXX, which is the same case related to Cause No. XXXX. I spoke with XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, email : XXXX with telephone number ( XXXX ) XXXX. I informed her that I never received a citation and no one took my picture signing a citation being served I asked for copies to submit to the court to let XXXX XXXX XXXX know that she is now involved in a fraudulent signature and forgery because I never signed a citation on XX/XX/XXXX, and no one took my picture signing a citation. he said it was served to me on XX/XX/XXXX, which she said I signed and the person took my picture signing the citation. That is a flat-out lie! She sent a dispute out today to the XXXX XXXX XXXX and hung up on me before she answered how long the dispute might take. Finally, I called her back and she had no idea how long the dispute would take to complete. I understand XXXX XXXX XXXX is known for damaging people to the max. That's fine! As a XXXX XXXX living off a monthly social security payment, I have learned my rights according to SSR 79-4 : Section 207. Time is not on my side and I do not trust waiting for XXXX XXXX with XXXX XXXX XXXX to keep me waiting without providing me a time frame with this ill-issued Default Judgment. According to all the comments, that I have reviewed... I am not able to trust them. They have involved a judge with a forged signature. This is wrong on many layers and levels. I need a copy of the citation, signature, and photo that was taken to present to my legal representative ASAP! By the sound of her voice XXXX XXXX was ready to release her force towards me.
|
| 06/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/2020 after pulling my credit reports, I noticed a negative account being reported by the company LVNV Funding LLC in the amount of {$1300.00}. I was not aware of who this company was and have never received any information from them pertaining this account nor had I ever received any notification or documentation from this company informing me that I could dispute this debt or that they would place this information on my 3 credit reports.
I reached out to the company LVNV Funding LLC in XX/XX/2020, requesting a validation of debt since I had no knowledge of who this company was and had never conducted any business with LVNV Funding LLC. ( See attachments ).
As of today, I have not received the items listed in the letter and the items continue to report on all 3 of my credit reports.
The Consumer Financial Protection Bureau ( CFPB or " Bureau '' ) issued a second debt collection final rule that : clarifies the validation information and disclosures that a debt collector must provide to a consumer at the outset of debt collection communications and provides a model notice containing such information, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumer 's debt to a consumer reporting agency ( CRA ). Debt collector communication disclosure ; ( I never received it ) Debt collector 's name and mailing address ; Consumer 's name and mailing address ; I ( the debt collector is collecting a debt related to a consumer financial product or service, the name of the creditor to which the debt was owed on the itemization date ; Account number or truncated account number, if any, associated with the debt on the itemization date ; Name of the creditor to which the debt is currently owed ; Current amount of the debt ; Amount of the debt on the itemization date ; Itemization-related information ; ( I never received it ) Information about consumer protections ; ( I never received it ) Consumer-response information ; and ( I never received it Consumer dispute prompts. ( I never received it )
|
| 08/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX, I started receiving mail and phone calls from LVNV Funding about a debt from XXXX XXXX for {$1000.00}. I disputed this information several times in writing telling them I dont owe this debt and to send me verification or delete this information off my credit report. LVNV keep sending me a bill as valid reason for them to report this fraudulent information on my credit report. In XXXX I starting receiving more calls and mail about this debt, this time it was Resurgent Capital Services, telling me I need to pay them because it was in pre legal status and I am getting sued. They called several times a day, interrupting me while I was at work. I disputed with them as well but received mail correspondence from LVNV with yet another bill as verification. In XX/XX/XXXX, I started to receive mail and calls from now XXXX XXXX XXXX about this same debt. I have been getting harnessed by LVNV and its related companies for months about a debt that isnt mine. LVNV couldnt provide me with a contract with a signature like I requested so I am being attacked by 3 different companies about the same debt that is hurting my credit file and coasting me additional money. On XX/XX/XXXX, I decide to call Resurgent and resolve this debt because of the damage it is doing to my credit. I explained to the representative that this wasnt my debt however I wish to resolve it. I asked about a settlement and they offered 20 %, I said that was too much. The representative pulled my credit without my permission and told me I could afford it and quoted every credit card as well as my children names off my credit report. She told me my credit lines and who I was an authorized user on what card and everything. I dont feel its fair that LVNV Funding is allowed to report fraudulent unverified information on my credit file. I dont feel that LVNV Funding should be allowed to harass me through all of their different companies for the same debt. I dont feel as the representative had a right to access my credit file without my permission and tell me that I can afford to pay a debt that I told her I wasnt capable of paying in full. I was treated very badly and I feel my privacy has been invaded.
|
| 09/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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In XX/XX/XXXX my credit was good, with 20+ thousand dollars I was struggling but making timely payments for a long time. Then I get this letter from XXXX XXXX XXXXt, I called their number, they tell me that they can slash the Debt in half, that they know the credit language and they they know how to talk to my creditors, they I should not fear anymore, that my credit would drop a little but that it would go back up in six months. I couldnt believe it! But what really happened was that they let all my accounts default and eventually making me lose all of my accounts that were in good standing since the beginning, they scammed me, they didnt tell me the truth. Later I was filled with collections all over the place, they advised not to talk to my creditors, after a year and a half I saw they were not getting anywhere with my debts I started making settlements with my debtors myself. At the same time I was paying XXXX XXXX XXXX to pay the people they had already settled with, at the last I was Almost finishing an account to finally graduate from the program. It was a XXXX XXXX account number : XXXX, XXXX made an agreement with the collection company by the name XXXX XXXX. The agreement was payments totaling {$1500.00}. Just as I was about to make a final payments in XXXX they drop me out of the program, I called XXXX XXXX, they tell me they have no jurisdiction over the account anymore, they gave me a number to a company by the name Resurgent, I get in contact with ReSurgent and they tell me that the payment bounced, that thats why. But that was inconsistent because my account had sufficient funds ( {$510.00} ) they had taken the payment and put back into my account to default the settlement, they balance was {$2400.00}, when they returned the money it went back to {$2500.00}. Incidentally that was the same company that sent me letters claiming that I owe them money in the middle of XX/XX/XXXX, I found the letter suspicious, in the letter I had to dispute the Debt, I looked online how to do it and sent them a dispute letter in XX/XX/XXXX, theyve been selling this account all over the place to make me pay it, and Ive paid more than enough with all their tricks.
|
| 04/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On our around XX/XX/XXXX I obtained my credit reports and noticed collections that I believe to be incorrect of not mine. Upon these findings I requested proof of debt, I reminded them they were contacted on or around XX/XX/XXXX that I had been a victim of fraudulent use of my SS # and/or credit cards. I wrote LVNV and Resurgent Capital in regards to the {$2200.00} that they claim I owe them. On XX/XX/XXXX I sent my first letter requesting viable evidence bearing my signature to LVNV/Resurgent Capital to verify this was indeed my debt and I am legally obligated to pay LVNV and/or Resurgent Capital Services. Per the Fair and the Fair Credit Reporting Act they are required to provide " validation '' upon my request. The validation must include, but not limited to " competent evidence bearing my signature, showing that I have, or ever has, some contractual obligation to pay them. If they could not provide me this evidence they must delete from my credit report and immediately stop collections.
After the fist letter I sent referenced above I received a letter back saying they have investigated the account and found it to accurate, yet failed to provide any requested and required documents. I responded, XX/XX/XXXX stating they failed to provide the required documents. The XXXX again responded by sending another letter saying the debt is valid, and included a statement of the account, no signature, again none of the required docs. I responded XX/XX/XXXX stating they still have not provided adequate evidence proving this was indeed my debt, or the entire debt was mine, I have no idea. I also responded XX/XX/XXXX to another letter send by Resurgent on behalf of LVNV that had demanded payment and said everything has been verified. This is untrue, nothing has been " legally '' verified, and I have given 4 months in good faith asking them to please get this right, and provide the signed contract, and to please explain the process of verification, along with whom verified the account incase I had questions. Not once did they comply with the FCRA & FDCPA ( included violations, but not limited to FCRA sec XXXX, FDCPA sec XXXX ) guidelines set to protect consumers.
|
| 04/04/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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LVNV XXXX. XXXX XXXX XXXX, Sc XXXX XXXX : Acct # XXXX ...
To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$670.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was cancelled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
XXXX XXXX
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| 04/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
|
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Resurgent Receivables LLC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX To : The Office of Registered Agent for Resurgent Receivables LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX
|
| 05/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
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this is the same complaint ive been complaining about and since my wages will be garnished I will have to file Chapter XXXX ... in XXXX a XXXX dollar line of credit with XXXX then sold to XXXX XXXX went into default due to a termination of my job thru no fault of my own ... I told my boss about my XXXX and he began taking work away from me and giving it to less skilled workers ... with that XXXX and this issue is adding unneccesary stress in my life ... at that time of turmoil with no money and house payments and truck payments and pets and other bills and food XXXX XXXX reps were calling me harassing me telling me the sheriff will be at my house soon to take my house and that i will go to jail ... they called me at off hours and i was an emotional wreck and they didnt help ... .I didnt find substantial employment until XXXX and i had to pay family friends and other things back ... so in XXXX lvnv on behalf of XXXX XXXX has the courts issue me a summons ... XXXX XXXX was bought out by XXXX in XXXX of XXXX so why is a bottom feeder who buys debts for pennies on a dollar representing XXXX XXXX sueing me when they dont even own the debt? i answered the summons i got in XXXX pro se which i have a right to do and requesated proof of debt, ownership of debt and how much the debt was actually bought for ... I hear nothing back so i figured the issue was mute. I got another XXXX in XXXX and believed it to be a scam from lvnv funding to get money from me so I ignored it. then i get a court ordered wage garnishment. I responded to the courts and explained that i thought it was a scam and again requested proof and also to vacate the judgement as it would incure an financila hardship. I heard nothing back from the courts. I contacted the nys attorney generals office, the garnishment from XXXX stopped. Then they started again last XXXX. Then they stopped and now theyre starting again. The original amount was XXXX dollars, now its well over XXXX. The account went into default in XXXX that would make it past the statute of limitations. I am not going to pay them this amount of money especially when they bought the debt for less than XXXX. I will file chapter XXXX.
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| 10/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I utilized the Federal Trade Commission Identity Theft website to generate and send a letter to the collection agent stating that charges made to the account ( s ) in question were the result of fraud/identity theft. In accordance with the FCRA, and as clearly outlined in the letter ( s ) sent on XXXX XXXX XXXX the following was requested ( and ignored ) by the collection agency, specifically : " I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks.
Please send me copies of all records relating to the account, including : - Account applications made on paper, online, or by telephone - Account statements or invoices - Records of payment or charge slips - Delivery addresses associated with the account - Records of phone numbers used to activate or access the account - Signatures on applications and accounts - Investigators report Please send me a letter explaining what you have done to : - Inform the business where the account was opened that the debt is the result of identity theft - Stop collection activities against me - Stop reporting information about the debt to credit reporting agencies- If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft - Provide me with the records I request '' To date, the collection agency has ignored these requests and have failed to provide any documentation requested, or cease collection activity against me for the two accounts they currently hold. The debt ( s ) are, as of XXXX XXXX XXXX still reporting as owed and no notation has been made by creditor or the reporting agencies to specify that these charges were the result of fraud/theft. The collection agency in question continues to contact me in an attempt to collect a debt that I do not owe and did not authorize.
To date, the collection agency and their attorney/servicer have been provided with : - FTC Identity Theft Report - Proof of Identity - Notice to Furnishers of Information
|
| 06/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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|
I have been trying for years to resolve this debt with this company. I have sent many letters and calls asking them to provide in FULL detail their claims I owe the amount they are requesting me to pay. This debt is from 2014 and was bought out from another debt collector. I have asked to provide me ALL transactions with my signature of all purchases totaling the amount owed. All they sent were copies of only a few months before default. I am disputing the amount owed to LVNV Funding due to them not proving the TOTAL amount owed and their continued reporting to Credit Bureaus of current monthly status to keeping account open. They have damaged my credit and reputation. I am writing to your office to please help me resolve this clear violation of my consumer rights by LVNV Funding LLC. They are unfairly and inaccurately reporting on my consumer report and it is negatively affecting my character, my mood of living, and my general reputation. I have been damaged as a result of their unfair and inaccurate reporting. I have exercised my specified remedy, notice of debt violation, ( Pursuant RegulationF,12 CFR 1006 ) many times with no response. I sent a notice of debt validation ( Pursuant RegulationF,12 CFR 1006, 15 USC 1692 ) as well as cease and desist all forms of communication with me pursuant 12 CFR 1006 ( c ) ( 1 ). LVNV Funding LLC has violated my rights pursuant 12 CFR 1006.34 ( c ). They have failed to provide all the required Documentation as per my request under the new rule Regulation F and validation of debt. the law is explicitly clear, and LVNV Funding LLC Debt validation period has ended LONG AGO and they FAILED TO PROVIDE ALL REQUIRED validation information AS PER LAW 12 CFR 1006.34 ( c ) Validation information. They are still trying to communicate with me through furnishing unfair and inaccurate information on my consumer report. ALL collection activities on this ALLEGED DEBT that they FAILED TO PROVIDEMUST BE DELETED immediately. Please help me by assisting me in resolving this clear violation of my consumer rights by LVNV Funding LLC reporting the collection and the disputed status on my Consumer report with a DELETION IMMEDIATLY.
|
| 11/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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During the covid19 period that debt collectors were not to be trying to collect debt I was contacted by XXXX, XXXX and XXXX. It started in early XXXX. I sent proof that I could not pay and that I had funds that were not garnish able and asked them for no contact by phone. The amount of calls I was getting was insane. Very soon after We had a knock at our apartment door in a secured building. I opened the door thinking it was someone that I knew. It was a server not law but civil and he has no mask on which the sign is on both doors down stairs where he came in.Handed me the paper work and off he went. The Proof of verification had not yet came I asked for from before nothing. So I read everything and answered his complaint. I had filed bankruptcy in XXXX and being all the dates and transactions were redacted I had no clue when this was from. I did the best I could not having access to a lawyer and legal aid being closed. The lawsuit was for XXXX dollars and there was no mention of the fact the lvnv was sitting on XXXX in dollars in more debt, which is against the law. The only thing on my credit by lvnv at this point was the XXXX then on XX/XX/XXXX XXXX more shows up on my credit and never had a letter about it. I filed a complaint with CFPB in less than a week the name on the debt changed to the original credit card company synchrony. Well that is who sold the debt to LVNV after they closed the accounts and wrote off the debt. I am told that because they put it on my credit and also left it out of there summons it is no longer owed to anyone. I still have not been given the proof of validation on anything. The amounts of the paypal credit is disputed to XXXX and they never should have sold the debt before resolving that.There was issues with items not arriving from ebay that was purchased XXXX. They took and closed my account and sold the company to synchrony I am sure they never told them it was all under dispute as XXXX is 100 % guaranty to arrive and work. I have had thousands in items never arrive and some that did that were broken. That was never addressed by XXXX. These items are still on my credit report and need to be taken off.
|
| 02/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
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This collection company disclosed the lawsuit to ALL my neighbors and exposed by daughter to COVID during a house quarantine ( pic available that is dated and time stamped ).
The lawsuit was left in a clear, gallon baggie hanging on my front door knob. You can see all the information contained on the notice ( case number/defendant and agency/attorney taking me to court ). I live in apartments and my youngest daughter was the one who found the notice while delivering groceries due to our quarantine.
The FDCPA states : If a person is identified by name only, then they must be treated as a " third party.
Indication that the public notice is regarding a debt to a third party would be considered disclosure and is not allowed.
If the third party '' independently indicates that they have a debt, dispute the debt, talks about debt or client, etc we must still treat the communication as a " third party '' communication until one additional piece of non-public information ( NPI ) is verified LVNC Funding, LLC has disclosed my information. The next complaints will go towards the original client ( bank ) and original creditor ( card issuer ) who sold this debt to such an abusive company and has exposed my family to harm in the means in which they took to sue me during this pandemic. The news outlets may be next. While going through this law suit, two of my XXXX kids have had XXXX ( can be proved ). I also have a pic of the 2nd instance of disclosure.
I have yet to ever be served in any other fashion, by this collection company, during the law suit. This should match the serving partys records but I do have a picture available of the notice.
XXXX XXXX Site Training Manager | EOS USA XXXX Toll free : XXXX x XXXX Direct : ( XXXX ) XXXX XXXX XXXX XXXXXXXX EOS CCA XXXX XXXX XXXX XXXX XXXX TX XXXX EOS XXXX For a debt-free world.
This e-mail may contain confidential and/or privileged information. If you are not the intended recipient or have received this e-mail in error, please notify the sender immediately and destroy this e-mail. Any unauthorized copying, disclosure or distribution of the material in this e-mail is strictly forbidden.
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
As of XX/XX/2023, LVNV is still reporting inaccurate information on my credit report. I do not believe I owe what you say I owe. Therefore, I dispute this debt. I am aware of my rights under the federal and Florida Fair Debt Collection Practices Acts ( FDCPA ). Also, the statute of limitations for collecting this type of debt in Florida has expired as per https : XXXX and according to XXXX, XXXX XXXX XXXX The limitation for collecting on this debt which is an open-ended account is 4 years.
This is LVNV formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop reporting erroneous information on my credit report as per consumer law 15 USC 1681b ( a ) ( 2 ). Consent is needed for everything reported on my credit report. When was consent given to you to report this collection? It was apparent you ignored it the first time. Also as per consumer law 15 US Code 6802 - Obligations with respect to disclosures of personal information section B1 ( Opt Out ) it states a financial institution may not disclose nonpublic personal information to a nonaffiliated third part unless such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party.
In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law. LVNV did not give me this right. Again, it was ignored.
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Acts a serious violation of the law and will immediately report any violations to my State Attorney General and the Federal Trade Commission and take whatever legal action necessary to protect myself. Be advised that I tape record all phone calls. Violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident. I want this collection to be removed from my XXXX and XXXX credit report immediately.
|
| 07/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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I have received a letter dated XX/XX/2019, from Resurgent Capital Services, on behalf of LVNV Funding LLC, I want them to stop contact me using any communicating no matter what state they decide to/or doing business in and I dispute the {$850.00}, LVNV Funding LLC last attempt was in XX/XX/2019 at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX, I provided his office with a dispute letter and a list of items for verification of the debt {$850.00} and it has been past 30 days and his office has not provided me with anything. after several weeks went by I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX, and ask about the debt verification letter I sent and his office has informed me they are no longer representing LVNV Funding LLC in this matter. I called Resurgent Capital Services and asked was they same people sending me a letter from XXXX XXXX XXXX XXXX Mi XXXX and Resurgent Capital Services office said that was not them. I said that XXXX search and online court documents pointing you are the same people from XXXX SC Resurgent Capital Services office told me that they can not speak to me because A cease and desist on my account and I need to give them permission to remove it and I said no I will not remove the cease and desist I also contacted the State of Michigan, XXXX XXXX and Regulatory Affairs who informed me that Resurgent Capital Services are do business in Michigan as a collection agency and used XXXX SC as a contact the same address is on my letter. LVNV Funding LLC, have tried ever harassment technique to communicate with me through different collection agencies each of them was unable to verify the debt this has been going on for about 1-2 years I will no longer entertain Resurgent Capital Services and LVNV Funding LLC and the collection agency it hires. The address on the XX/XX/2019 letter has XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX SC XXXX and Resurgent Capital Services customer service representative said they was not the same people I would like to file a complaint with the The Consumer Financial Protection Bureau
|
| 02/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
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On XXXX of XXXX I was advised from LVNV Funding LLC also known as XXXX & XXXX, of a very old account in which was closed and no longer relevant.
I had to create a new complaint cause in my previous complain statement ; I got confused, I thought they were talking about XXXX. But today I am totally 100 % that the account is a Credit Card for XXXX XXXX that LVNV Funding is claiming I owe.
This account was opened on XX/XX/XXXX first of all in the State of Florida.
According to the Statute of Limitation on Debt Collection practices for Open Ended Contract in the State of FL is 4 years since the last payment ( year XXXX ) to the Owner of the Account. This is no longer valid to collect, also they purposely altered the date on the credit as reported this XX/XX/XXXX, also said that the account was opened in XXXX. This is a lie and it's also illegal. I am going to make sure, this company gets what they deserve ; cause they were frivolous with bad intentions towards me.
They keep claiming I owe that money in which I don't. A Sheriff from XXXX XXXX in which I live, my current State is Georgia. The XXXX came to my house with court papers on XX/XX/XXXX from this Collection Company. I disputed that, and that this account was in another state ; they have being persisting on my credit report after they sued me on XX/XX/XXXX.
I am writing with a copy of the letter attached I've received from the XXXX XXXX XXXX XXXX XXXX Making this email short, LVNV Funding failed to appear in court on XXXX XXXX and the case was dismissed without prejudice by the court. So meaning LVNV Funding needs to erase the debt, remove the credit inquiry from the XXXX and also don't ever send letters about this account anymore. In that year we were also in the middle of the pandemic, economic hardship, and problems with everything around us. My brother also passed, and I had to invest in a lawyer service because of this company harassment and not being willing to cooperate. I have all the proof at my favor to show, I am only uploading 2 documents. Appreciate any help the CFPB can provide, and thank you. XXXX : I also notified the XXXX on that date too, XXXX XXXX.
|
| 09/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Please send the following information used to validate the validity of the invalidated items below Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.
5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.
6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITING.
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.
|
| 12/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Debt Collector : LVNV FUNDING LLC Original Creditor : XXXX XXXX XXXX XXXX XXXX balance : XXXX After reviewing my credit profile. I identified this inaccurate fraudulent account under Eastern Account System. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a 2nd validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me.
At this time, I will also inform you that your offices have reported invalidated information to all XXXX credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in brining LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character.
15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C.
Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Please strike and remove this account from all 3 credit bureaus ( XXXX, XXXX, and XXXX ) XXXX adequate validation has been received proving that the account belongs to me and all information is correct
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
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Subject : Complaint Against XXXX XXXX XXXX and LVNV FUNDING LLC Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX and LVNV FUNDING LLC regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been violated.
On XX/XX/2023, I discovered that XXXX XXXX XXXX had sold my debt to LVNV FUNDING LLC and subsequently closed my credit card account. However, to my dismay, the same credit card company later reopened my account and resumed reporting the debt, which I find to be both unfair and deceptive.
I am deeply concerned about the legality of these actions and how they have impacted my credit score and financial stability. I believe that LVNV FUNDING LLC may have violated the FDCPA by engaging in practices that are deceptive, unfair, and abusive. Furthermore, XXXX XXXX XXXX may have violated the FCRA by inaccurately reporting my debt after reopening the account.
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against both XXXX XXXX XXXX and LVNV FUNDING LLC if any violations are found. I have attached relevant documents, including statements, correspondence, and any proof of the aforementioned actions, to assist in your investigation.
In addition to the aforementioned concerns, I am seeking both actual damages ( {$1000.00} according to FCRA ) to compensate for the financial losses and harm caused by the unfair and deceptive practices of XXXX XXXX XXXX and LVNV FUNDING LLC , as well as punitive damages of {$10000.00}. Punitive damages are being pursued to hold the parties accountable for their actions and to deter them from engaging in similar practices in the future. These damages are essential to ensuring a fair resolution and to serve as a deterrent against any potential misconduct by the involved entities.
I appreciate your attention to this matter and thank you in advance for your prompt action. Please feel free to contact me if you require any additional information.
Sincerely, XXXX XXXX
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| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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To whom it may concern : I have reviewed my credit report and see that your company has listed an account on my credit file with A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provid me with physical papers papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my stat, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion. I have requested this information now 3 times via mail.
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| 06/11/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To whom it may concern : Be advised this is not a refusal to pay, but a notice that this claim is disputed, and validation is requested. Under the Fair Debt collection Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe LVNV FUNDING LLC. I am requesting proof that I am indeed the party you are asking to pay this debt, {$130.00} and there is some contractual obligation that is binding on me to pay this debt to LVNV FUNDING LLC.
This is NOT a request for verification or proof of my mailing address. This is a request for VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) of the FDCPA, Validation of Debts. I respectfully request that LVNV Funding LLC provide me with competent evidence that I have any legal obligation to pay. Second, FDCPA15 U.S. Code 1692c ( a ), Communication in connection with debt collection, states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given LVNV Funding LLC the above written consent to contact me in connection with the collection of any debt. I do not have signed contract with LVNV Funding LLC and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize LVNV Funding LLC to have access to my personal information. This information collected by LVNV Funding LLC is a gross and tortious effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this alleged debt. Specifically, there does not exist a written contract signed by both parties and me as specified in the XXXX of XXXX creating a contract that obliges me to LVNV Funding LLC. I request LVNV Funding LLC provide a signed contract between me and LVNV Funding LLC regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove all items totaling {$130.00} from credit reporting agencies, XXXX, XXXX and XXXX
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| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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There is an account on my credit profile from LVNV FUNDING with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and LVNV FUNDING would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement.
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
I have not received any debt validation notice from LVNV FUNDING as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that LVNV FUNDING has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.
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| 06/03/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX COMPLIANCE DISPUTE XXXX Data Furnisher : XXXX XXXX # XXXX. XXXX Date Opened : MISSING : XXXX Highest Credit/Original Loan Amount : MISSING XXXX FCRA Compliance/Date of First Delinquency : : MISSING INFO Recently I reviewed XXXX of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that OVER HALF THE ACCOUNTS DO NOT MEET XXXX XXXX compliance standards. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reported on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated! To Whom it Concerns, This cite serves as my Lawful consumer request for all claims of collections and derogatoriness be supposed or else wise revealed not only of the federally mandated requirement with the maximum achievable accuracy and maximum likely completion but equally in full accordance with the established standards of ethical lawful reporting. For any potential reported negativity, my demand is for any such still yet unproven allegation be absolute and well corroborated to its utter truth and facts, even certified as such. It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX
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| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, LVNV FUNDINGS LLC I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXXXX/XX/XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by LVNV FUNDINGS LLC. Furthermore LVNV FUNDING LLC has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
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| 09/11/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received an email message from XXXX XXXX XXXX on XX/XX/2020 indicating " They have been trying to reach me to resolve an outstanding balance with XXXX XXXX XXXX ''. Furthermore, the header message of the email is as follows : " Action required. Your account may be forwarded to an attorney. ". XXXX XXXX XXXX sold my account to LVNV Funding several years ago. There was an outstanding balance, which was settled for less, with a company previously engaged on behalf of LVNV Funding. The representative at that particular company was a woman named XXXX XXXX. Although, despite my countless attempts to receive a formal " settlement agreement '', I was advised upon payment of the agreed upon installments, my account would be marked paid in full. Subsequently, LVNV Funding continues to attempt to collect the small remaining balance and has negatively impacted my credit rating as a result of failing to " satisy '' my account. XXXX XXXX XXXX message is as follows, " We have been trying to contact you to help you resolve your outstanding balance of {$510.00} with XXXX XXXX XXXX, XXXX If we are unable to assist you while your account remains in our office, our client will recall your account and may forward it to an attorney. Please avoid this situation by selecting one of the following payment options : A one-time payment of {$250.00} Twenty consecutive monthly payments of {$25.00} XXXX XXXX XXXX has implied there is monies owed to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX has misrepresented on whom they are acting on behalf, XXXX XXXX XXXX sent a clear text message to a shared email address containing confidential information, XXXX urges immediate payment or face to the account being recalled and sent to a lawyer, XXXX XXXX XXXX implied they have been trying to reach me, this was the 1st communication I had received from XXXX XXXX XXXX. LVNV Funding had been notified of the balance dispute via a direct filing with the credit reporting agency. LVNV Funding has not taken any action, nor provided any response to the credit dispute. In countless way, XXXX XXXX XXXX and LVNV Funding have violated rules under the FDCPA.
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| 03/30/2019 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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CACH LLC sent me a letter today ( XX/XX/XXXX ) stating that they are going to garnish wages of mine from a bill that originated in XXXX. In the letter, which was not sent certified, I am told that XXXX XXXX from the company wants to garnish my wages for a medical bill that is nearly 13 years old.
The letter has a date stamp of XX/XX/XXXX, yet the postmark shown on the envelope shows the letter was mailed to me on XX/XX/XXXX.
There is no information showing what this bill is for ( although I was in a XXXX XXXX in XX/XX/XXXX, so I can only deduce that this is what this collection is about ). All of my medical bills from the XXXX XXXX were on my credit report for 7 years and after the seven years, the credit reports that were printed off showed that the judgement from this company had been written off. Now I am getting notice of a wage garnishment.
I will be including copies of the information that CACH sent to me. Allegedly, the date of judgement was on XX/XX/XXXX. Since that time, the judgement does not show on any of my records. Initially there was a judgement on my record but it was removed after the statutes of limitations had expired. It had been listed as written off and was removed from my record.
Nothing on my credit report shows a new judgement.
You will note that the creditors claim shows that the date of the judgement was on XX/XX/XXXX ( which is not accurate if you view my personal records ) and says : Unpaid balance on judgement : {$3900.00} Unpaid post judgement interest : {$3400.00} Total amount owe3d by debtor : {$7400.00} This is rediculous. The judgement had already been written off, I am on state aid and when I found out that this judgement was written off, I didnt expect it to haunt me nearly 10 years later.
The papers I got were not formally sent to me requesting a signature, nor have I been contacted by this company in years. I will be providing all of the information in the hopes that this will get resolved. If a company writes off a debt and a judgement is realeased and removed, there is no way that this should continue to follow me, and now they are trying to seek wage garnishment.
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| 12/07/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you.
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose.
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold.
5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this accountInstructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief.
Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms.
That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules.
Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of 1997 and the Administration of Justice Act 1970 which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation
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| 11/14/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is a persistent issue that has significantly impacted my credit profile, concerning your entity, LVNV Funding LLC, also known as Resurgent Capital Services.
Upon discovering LVNV Funding LLC 's involvement in my credit history, I was surprised by the lack of prior notification or awareness regarding the reopening of a previously disputed and closed accountan action taken by LVNV Funding LLC. In 2018, when I first became aware of this account, I questioned its legitimacy and requested a signed copy of the contract associated with it. Unfortunately, my inquiries were met with evasive responses, complicated by personal circumstances, leading me to discontinue pursuing the matter.
It is crucial to note that, although the account was subsequently closed, and the debt was charged off, I consistently disputed its validity with both the credit reporting agencies and the account holder. Despite my efforts, this issue has resurfaced, as LVNV Funding is now actively pursuing the account, reporting it as open and delinquent throughout this period.
On multiple occasions, I have requested LVNV Funding to provide a signed copy of the contract in accordance with the provisions outlined in Virginia Statute XXXX and the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX. Regrettably, instead of producing the requested documentation, they have responded with a mere screenshot printout of the debt. They also provided a print out of a 2018 contract that is not even signed nor is it the date of when this said account was established. They are fraduantly providing documentation and this does not establish that I personally entered into the contracta central point of contention in this matternor does it specify the origin of the purchases on said account.
Given LVNV Funding 's failure to substantiate the validity of this debt by providing the necessary documentation, I hereby demand the complete removal and deletion of the said account from my credit report. This request is based on grounds of violations of Virginia Statute, the Fair Credit Reporting Act ( FCRA ), the FDCPA, and potential defamation of character.
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| 03/01/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I mailed a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX, XXXX. requesting debt validation. I received correspondence from Resurgent Capital Services dated XX/XX/XXXX stating that XXXX XXXX, XXXX, has initiated a review of the inquiry recently received. On XX/XX/XXXX, I contacted Resurgent Capital Services regarding the alleged debt and was informed that a cease and desist was placed on the account. Since XXXX, I have communicated with XXXX XXXX XXXX, XXXX. and at no time did I request cease and desist. On the contrary, my correspondence has specifically demanded debt validation. On XX/XX/XXXX, I again demanded debt validation from Resurgent Capital Services. On XX/XX/XXXX, I contacted Resurgent Capital Services again and informed them that I have not received the validation letter. The representative reported at that time, that while my account had been flagged, there was no record that a validation letter was sent.
Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been almost two years, and I have yet to receive debt validation. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated to respond within the statutory time limit. Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission. I consider your agency to be intentionally ignoring my requests, therefore I am submitting this letter to the Consumer Financial Protection Bureau.
In addition, I would like to remind you that collection agencies are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. Despite this, XXXX XXXX, XXXX. has continued to update the alleged debt to all three credit bureaus ; on XX/XX/XXXX, it was updated with XXXX and XXXX. Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws.
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| 01/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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A collection company sent a letter stating that I owe {$900.00} for a cell phone from XXXX XXXX XXXX. The collection company is XXXX XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX but the return address is a PO Box , XXXX XXXX, in XXXX XXXX. I have never had a XXXX account and I have been with the same company for almost 21 years now. Also, the address I live at is a home, and they added an apartment #. I think this is a scam, and I worry about older people being taken advantage of or other people falling for this.
Letter states : This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned current creditor. ( XXXX XXXX XXXX ) Unless you notify this office within 30 day after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office is writing within 30 days after receiving this notice this officeXXXX will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan. we would like to extend the following discounted offer : XXXX % discount payable in 2 payments of {$90.00}. Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our work that your account executive will treat you fairly and with respect. Sincerely, XXXX XXXX , XXXX *then further down on the letter at the bottom. The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC will not sue you for it, and LVNV Funding LLC will not report it to any credit reporting agency.
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| 10/30/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I checked my XXXX banking app free credit report check and found that my score had dropped over 40 points. I then requested an official credit report from XXXX and found that XXXX XXXX XXXX had created a new collection item on my credit report. This was my first time ever hearing about this. I never received a phone call. I never got a letter to my house ( XXXX XXXX XXXX, XXXX XXXX MI, XXXX ) which I recently moved into on XX/XX/XXXX. No communication came to me of this new collection entry on my credit report. The collection they are claiming I owe is a false claim and I would like to fix this inaccuracy.
The collection claimed that my account # XXXX was from the original creditor " XXXX XXXX XXXX ''. On XX/XX/XXXX, I called XXXX XXXX and spoke with a representative. She confirmed that none of the accounts that were associated with my name had ANY outstanding payments or balance. In fact, she told me that my payment record was perfect. She also told me that both her and her supervisor had never heard of XXXX XXXX selling debt to XXXX XXXX XXXX
I sent a letter to XXXX XXXX XXXX asking them to inform me of the exact details of the debt that they claimed that I owed. This had been suggested as the best course of action from many sources.
Please let me know if you need any other information from me and I would be happy to give it to you with great haste.
Here are the details of the collection entry found on my credit report. I claim that this information is not accurate or true : Account Name : XXXX XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXX XXXX Account Type : Factoring Company Date Opened : XX/XX/XXXX Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated : XX/XX/XXXX Balance : {$220.00} Balance Updated : XX/XX/XXXX Original Balance : {$220.00} Past Due Amount : {$220.00} Terms : 1 Month Responsibility : Individual Contact Information : XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Payment History : XX/XX/XXXX - Failed to Pay XX/XX/XXXX - Failed to Pay
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| 07/08/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am currently being sued by LVNV Funding. I received a summons on XXXX XXXX, 2017 stating that I owed {$1200.00} and should appear in court on XXXX XXXX, XXXX. I immediately called the attorney 's office representing the case ( XXXX XXXX XXXX ), stating that I had no knowledge of this account therefore, I am disputing it. I let them know that I was willing to reach a reasonable settlement if they could send me proof that I owe the debt and if they could prove that they have the authority to collect. I was told that they would investigate and get back to me. I never heard from them. I appeared in court, the case was continued, still no verification. I appeared again and a trial date was set, still no verification. Three months after my initial request, at XX/XX/XXXX, I finally received copies of statements and an incomplete assignment contract ( a one-page document stating that my account was part of a group purchase " Exhibit A '' ). On XXXX XXXX, 2017, I sent, via certified mail, a request for a copy of the complete assignment contract stating specifically the owed amount, that my specific account was sold to LVNV and that they had the authority to collect those funds. After several attempts to obtain the required information, I still do not have the requested information. I have also made several attempts to settle the account even though I do n't agree with the amount that they say I owe and I do n't have proper verification. Each time I called XXXX XXXX XXXX, the attorney 's office added on additional fees to the initial amount they said I owed. One of their reps said that I would need to add on {$170.00}. Another rep stated that I needed to add on an additional {$300.00} to the initial amount of {$1200.00} they said I owe and pay that before the case can be dismissed. I believe that LVNV has violated the FDCPA by ( 1 ) asking me to pay more than supposedly owed, ( 2 ) failing to send written debt validation notice, ( 3 ) failing to send proper verification of debt, and ( 4 ) continuing to collect on a debt before providing verification. They should not be allowed to conduct business in this manner.
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| 07/13/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I was perusing my credit reports last month and came across a collection account that was originally with a LVNV Funding, but it said that a company called Resurgent Capital Services and I was instructed to contact them directly regarding this collection account. I have absolutely no idea what this collection is from. I do not recognize it at all. It is a small collection of only {$230.00}, so I sent an email to Resurgent Capital Services and included a screen shot of the collection account from my credit report and provided them with my full name. I informed them that I have absolutely no idea what this debt/collection is from, but that I simply want/need it deleted from my credit reports, so I asked if they would be willing to settle this collection for a lesser amount in exchange for deletion from my credit reports. I had to email Resurgent Capital Services MULTIPLE times before I finally got a response nearly a month later. I received a response from someone named XXXX XXXX, who stated that she was unable to locate " any specific account '' in their system under my name. She then asked for very personal information, such as my social security number, date of birth, my address, etc., which I REFUSED to provide her. I don't even know who these people are. I provided her with my full name as well as a screen shot of the collection account from my credit report, which should provide ample information for her to locate any account that they may have for me.
I responded and informed her that if they have no record of any collection accounts for me, then they need to IMMEDIATELY delete this collection from all 3 of my credit reports.
Resurgent Capital is now refusing to respond to me and this collection account for {$230.00} is STILL showing on my credit reports. I need it deleted IMMEDIATELY. This is slanderous and false credit reporting and they are violating my consumer rights by refusing to not only communicate with me regarding this, but also refusing to delete this from the credit bureaus. With my complaint I have attached a screen shot of this collection account as it is seen on my credit report.
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| 03/17/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted LVNV FUNDING LLC on XX/XX/2023 letting LVNV FUNDING LLC know that it, its parent, subsidiaries, XXXX was to cease and desist ALL illegal activities AND to cease and any communication with me in any attempt to collect on this alleged debt. Now, LVNV FUNDING LLC has DISHONORED my demands and Fraud has been committed on my consumer report, which violates the FCRA and FDCPA.
LVNV FUNDING LLC is using extortionate means to collect on alleged debt that I do not owe LVNV FUNDING LLC that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.
This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C.
1692 ( G ) Section 809 ( B ).
THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.
This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.
I have a right to this information, as its directly associated with the reporting activities.
Let me be very clear : I do NOT owe LVNV FUNDING LLC and do it have any debt with LVNV FUNDING LLC.
This is also a NOTICE exercising my rights to prevent the processing of my personal data by LVNV FUNDING LLC Please be advised that providing a memorandum or other statement from your agency, stating that LVNV FUNDING LLC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report.
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
LVNV FUNDING LLC should note that it has now violated me further and has also continued to communicate with me in the attempt to collect an alleged debt by processing my information to XXXX and XXXX althought I explicitly wrote to LVNV FUNDING LLC informing LVNV FUNDING LLC not to do so.
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| 01/23/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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LVNV continues to attempt to trick me into paying for a bogus debt. In XXXX of XXXX, I received a notice from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX claiming to represent LVNV and were demanding for payment of a bogus debt in the amount of {$540.00} Re : Acct # XXXX. I disputed this bogus debt via US certified mail on XX/XX/XXXX and requested for a debt validation/proof that this debt belonged to me. I received a copy of a bogus credit card statement from this law firm with no concrete proof of signature or any any contract showing a contract agreement between me and LVNV or XXXX XXXX, I again sent another certified mail to both LVNV and XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX asking for proper proof/validation of debt but I never got any.
A few months ago, I got a bogus offer from LVNV offering a discount for this bogus debt, I again sent a letter asking for proof of validation and requested that they cease and desist from all communication if they are refuse to provide me with proof of my signature/signed contractual agreement for this bogus debt, never got one and did not hear from them again.
On XX/XX/XXXX, I received a bogus email from XXXX XXXX from " XXXX XXXX '' claiming to represent LVNV and again demanding for payment in the amount of {$540.00}. On XX/XX/XXXX, I again received another bogus request from XXXX XXXX from " XXXX XXXX '' claiming to represent LVNV. I sent a official email back to this representative disputing this bogus debt and again asked for proper proof of validation/contract agreement with my signature but never received any.
LVNV continues this debt on my credit report as a collection account, refuses to provide valid/proper proof of validation that this bogus debt is mine and keeps attempting to trick me into accepting to pay for a debt that is not mine. This company isn't adhering to the FCRA, they need proof that this account is mine. I have disputed this bogus debt with XXXX, XXXX and XXXX and they keep saying LVNV has validated the debt to be accurate, I want to see LVNV proof of validation that they provided to the credit bureaus and tired of this cat and mouse game.
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| 05/08/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Dear CFPB, this complaint is in response toXXXX and XXXX investigation and verification of an public record that appears only on XXXX XXXX 's XXXX and XXXX credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. LVNV Funding has yet to respond to dispute in writing. Under 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts '' If the consumer notifies the debt collector in writing within the XXXX period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' LVNV FUNDING LLC has not complied with this requirement.
Debt collector : LVNV FUNDINGoriginal creditor : XXXX, XXXXPartial acct # XXXX ...
( This account is being reported by XXXX as a charge off and debt was sold to another lender. LVNV FUNDING is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to LVNV Funding certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for LVNV, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.
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| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Your company has not removed the inquiry before the allowed time, which is a violation.
Be mindful that according to 15 usc 1681n which states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Also under consumer law 15 usc 1681o which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
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| 06/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am writing to inquire if you could help me with an aggressive collection company named XXXX XXXX XXXX.
The credit card debt from my Bank XXXX XXXX XXXX card ending in ==== was originally sold to a company named XXXX XXXX.
They have sold my debt to several collection agencies or attorneys. I started paying on this debt which was over {$10000.00} in XXXX. I have always been consistent in my payments.
I am XXXX and work part time as my condition permits. I have limited set income each month.
In XXXX, XXXX XXXX XXXX took over the debt and demanded I pay XXXX per month for their two year contract because their contract was up in two years and they threatened a new company would make me pay a larger monthly payment.
Since XXXX has taken over the debt they have bullied me into thinking I had to pay them as high at {$130.00} per month in order to keep my account current and no action to be taken.
Since COVID 19 they have not offered me any payment deferrals and I begged them to lower my payment to {$50.00} which is still hard for me to pay.
In XXXX, they agreed that they would lower the payment to {$50.00} dollars per month for the duration of the debt, but when I received my statement, they raised my monthly payment to XXXX beginning in XXXX. This is not what I agreed to. And since I have been out of work due to COVID 19 the XXXX dollars is not doable any longer.
All I can pay at the most is {$20.00} per month.
I have been faithfully paying this debt since XXXX, some agencies that I worked with were kind and let me pay {$20.00} per month. But my debt keeps getting tossed around to different agencies and I believe I am being taken advantage of, bullied, lied to and scared into doing whatever they demand.
Why if I have consistently paid the debt for more than eight years, should I be hounded by people who have bought my debt for pennies on the dollar?
Is there any action you can take in helping me reach a fair monthly payment, or letting me know since this debt is so old if its past the statute of limitations and should be expunged.
Any guidance you can give is greatly appreciated.
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| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Sent letter to company to validate debt on XX/XX/23. company reported to credit bureau account was accurate dis regarding laws.
I am filing a complaint regarding the verification process of a debt, noting apparent violations of the Fair Credit Reporting Act ( FCRA ) Section 611 and Section 623, along with the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312. The verification of this debt seems to have disregarded FCRA regulations, and there have been clear violations in reporting inaccurate debt without proper verification as mandated by these sections.
Under FCRA Section 611 ( 5 U.S.C 1681i ), I am entitled to a proper investigation into the accuracy of reported debts upon request, which, in this case, was not adequately fulfilled. Furthermore, FACTA Section 312 emphasizes the accuracy and integrity of information reported to credit bureaus, requiring diligent verification to prevent inaccurate reporting.
This failure to provide requested information and validate the debt raises significant concerns about compliance with FCRA guidelines. Non-compliance could result in misleading and unjust repercussions on my credit standing.
I urgently request immediate action to rectify this matter. I will attach the original documents I provided for your review. According to FCRA Section 611 ( a ) ( 7 ) and FACTA Section 312, inaccurate information must be promptly corrected or removed from the credit report, and any debt found to have violated verification requirements should be dissolved.
I implore swift resolution in alignment with these FCRA and FACTA statutes to ensure fair and accurate credit reporting practices are followed. If you'`re unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by your company and/or any entity.
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| 11/16/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In my case, Ive asked for proof of the debt, but Ive only received bills. The Fair Debt Collection Practice Act states ; The Fair Debt Collection Practices Act ( FDCPA ) gives you the right to ask for verification of the debt and proof that the collection agency has the right to collect the money. The law also states that by disputing the collection, the collection agency must stop trying to collect until it provides written verification of the debt. Ive made a attempts to verify and make payments on accurate accounts. But those attempts have been repeatedly denied. In the letter sent, it states that this isnt stating that the debt is owed, but advising that there is something showing on credit that needs attention. This is the 3rd attempt to ask for proof of debt with LVNV LLC. However, the company is showing listed under Resurgent? Im unclear or unsure who debt this account is listed under. This company has also made attempts to contact under multiple different numbers listing Arkansas area codes. But when researching both names the numbers are showing XXXX ( XXXX ) numbers. Im asking for proof of this debt with both companies. According to the FCRA, this is my something that I am allowed. I reviewed the statements that you submitted ; however, I am asking for proof of this contract for this account ; and proof of contract with your companies. Please also verify that you are licensed in the state of Arkansas to Collect from both agencies. IT IS HEREBY RESOLVED that the Arkansas State Board of Collection Agencies recognizes as exempt from collection agency licensure in Arkansas any entity purchases or receives an assignment of ownership of a debt that is in default at the time of assignment provided that the debt buyer : 1 ) does not attempt to collect debts directly either for itself or others ; 2 ) undertakes collection efforts solely through third-party collection agencies or law firms ; 3 ) maintains no place of business in Arkansas. This resolution is not a change in the law ; rather it is a clarification of existing law. Thank you for time as we try to get to the bottom of this matter.
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| 07/24/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT RESURGENT CAPITAL SERVICES : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Resurgent Capital Services. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
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| 07/24/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT RESURGENT CAPITAL SERVICES : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Resurgent Capital Services. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
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| 10/02/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This account was opened fraudulently and I have reached out to the company this is actually my second dispute of this item as the information that was provided addressed me by my name, but the account was noted as belonging to XXXX XXXX. That is not my name my name is XXXX XXXX XXXX. I have supplied this information to the company. I have also asked for certification that they can collect debts in Texas as they are a company based in South Carolina. Paper work needs to be signed so I have asked for the wet signature that was used to open this account and a complete record of charges and payment information showing which accounts paid for these charges because I have had the same bank for XXXX years being XXXX XXXX XXXX XXXX XXXX I do not bank with any other institution and do not feel I should have to work this hard to clear my name XXXX have been a detriment to me and I do not appreciate being dragged through the mud for simply trying to clear my name and my credit from fraudulent account. I have only had XXXX credit cards in my name belonging to capital XXXX. XXXX are not in compliance with the fair credit reporting act because if you simply dig a small amount of research you would see thats not even my name to begin with I have my birth certificate, my government issued driver license and yall still are presenting fraudulent information. As you can see there is a signature on my id that is my signature and any account I have ever opened has asked me sign my name so I would like to be provided with all information related to this account not just the information you think is relevant as your company never even allowed me the original dispute time to reach out to yall I didnt know this account existed until it appeared on my credit report as a charge off with your company I was able to remove it when it was with credit XXXX bank because even they knew they didnt have an account with my when I provided my info. The info you provided also lists a different address that does not and has not belonged to me XXXX is not my address so again I ask you to remove this fraudulent account please
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| 09/05/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I recently reviewed my credit report and noticed an erroneous account being reported by XXXX XXXX XXXX to the Credit Bureaus. Knowing that I've never done business with XXXX XXXX XXXX this presented some red flags. I immediately sent a dispute letter via certified mail on XX/XX/XXXX, tacking # XXXX XXXX XXXX XXXX XXXX, requesting VALIDATION of the debt. I simply requested LVNV provide copies of any papers showing I AGREE to pay what they say I owe per the Fair Debt Collection Practices Act. The certified mail was delivered on XX/XX/XXXX @ XXXX.
On XX/XX/XXXX I received a response from Resurgent Capital Services claiming to represent XXXX XXXX. In their response they claim the original creditor is XXXX XXXX XXXX and attached an account summary with alleged charges which they claim provides verification of debt. I have never done any business with XXXX XXXX XXXX.
On XX/XX/XXXX I sent a follow up dispute letter via USPS to both XXXX and Resurgent, tracking # XXXX XXXX XXXX XXXX XXXX. The dispute letter arrived on XX/XX/XXXX. In that letter I stated that their response did not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Anyone can type up a fake statement and put your name on it. I am just asking for a signed contract proving I agree to pay or agreeing to enter into a contract with said party. I can guarantee there will be no such thing as I did not enter into any agreement with the bank. I have no problem making this a legal matter but would rather this get resolved outside of court.
On XX/XX/XXXX a response was provided once again with NO VALIDATION of debt. I once again received fraudulent and erroneous statements claiming that I owe {$1100.00}. I am hoping this complaint will stop the illegal false reporting of debt that has affected my credit before I have to take legal action. Once litigation begins I will not settle outside of court. An example will be made of these criminals.
I also sent dispute letters to the 3 credit bureaus. I have not heard anything back yet. I am hoping they find this reporting to be false and erroneous.
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| 12/14/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to dispute and request the removal of inaccurate and fraudulent information from my credit reports, as well as to address the ongoing false claims made by collection agencies. The following addresses and accounts were created in fraud, and I have legal documentation to support my claims.
Fraudulent Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA Fraudulent Accounts : LVNV FUNDING LLC XXXX {$2400.00} - Went to court** Legal proceedings related to Case Docket XXXX File No XXXX, XXXX, PA Court . I won in court, proving I never lived at the address. The person who stole my identity used a fraudulent internet account for payments and credit increases.
LVNV FUNDING LLC XXXX {$1200.00} - XXXX XXXX* LVNV FUNDING LLC XXXX {$440.00} - XXXX XXXX* LVNV FUNDING LLC XXXX {$920.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1600.00} - No Data** Court Case Reference : Case Docket : XXXX File No : XXXX Location : XXXX, PA Court I have attached the necessary court documents proving my innocence and the fraudulent nature of these accounts and addresses. XXXX has failed to remove the address XXXX XXXX XXXX XXXX, XXXX, PA, and I request its immediate removal.
Moreover, I have disputed the collection claims through the collection company and the credit bureaus, and the information has not been removed. This false reporting is holding my credit hostage.
If the collection agencies choose not to remove these false reports, I demand that the cases be moved to arbitration. THE collection agencies need to initiate an arbitration proceeding with XXXX or XXXX I do not want my case made public, as I have already been through one case publicly for something I am not at fault for, and the experience was degrading.
I expect your prompt attention and cooperation in resolving these matters. Please confirm in writing the removal of specified accounts and addresses and provide guidance on initiating arbitration proceedings.
Thank you for your immediate attention to these serious matters.
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| 01/23/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Dear XXXX XXXXXXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and depression. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
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| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I have mailed letters dated XX/XX/23 ; XX/XX/23 and XX/XX/23 requesting validation of the debt, however the only response I have received has been from XXXX advising that the account has been verified. I have not received any responses to the letters I have mailed requesting, the name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If can not provide please remove from credit files
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| 01/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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The original collection agency XXXX XXXX XXXX , XXXX has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and Resurgent Capital Services XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( Resurgent ) has yet to send me competent evidence to prove I owe this debt to them.
I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report.
On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, XXXX. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to Resurgent. After over 35 days and no response from either XXXX or Resurgent, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to XXXX ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt.
I, in turn, sent a second debt validation letter to Resurgent on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them.
I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause.
I am at my wits end and do n't know what else to do at this point.
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| 10/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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On XX/XX/2021 at XXXX XXXX, an email was sent to my husbands EX wife about my account. Below is a copy and paste of the email that went out. It is already hard enough dealing with my husbands ex, but to also give her information that I have an unpaid bill and steps to access the account is so wrong.
I have contacted the company and they state they were given his ex 's email. I know for a fact we did not give that information. I have also called the original creditor to find out what email they have, and the only one they have is my email. The one they are supposed to have.
This collection company stated they have only had this for two days. Well, 1 day ago is when it went to my husbands ex.
Please advise on what steps I need to take next.
Email from the collection agency is copied and pasted below.
Thank you, XXXX XXXX.
XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Wed, XX/XX/2021 at XXXX PM Subject : XXXX, here 's what you need to know.
To : XXXX Unsubscribe if you don't want to receive emails from us.
This important message is for XXXX XXXX. If you are not this person please delete this email.
Here 's what you need to know to take the next step XXXX.
Your account ending in XXXX was sold by XXXX XXXX XXXX on XX/XX/2021 due to unpaid status. The new account owner is LVNV Funding LLC. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, XXXX XXXX XXXX.
So, what is the next step?
Let 's get you started on an affordable payment plan! XXXX offers customers the option to view account details like your original creditor and current account owner and make payment arrangements online at portal.resurgent.com.
Prefer to discuss in person? Our knowledgeable Customer Care Team is available to answer any questions. Use the buttons below to take the next step.
I want to handle this online I want to talk to a person Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team.
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| 01/26/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Company : XXXXLvnv funding llc Address : XXXX XXXX XXXX XXXX XXXX Zip : XXXX XXXX XXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
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| 04/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with CACH LLC/RESURGENT CAP Account # XXXX and XXXX XXXX account # XXXX, Account # XXXX. I am not responsible for any payments for this account. I have no business with CACH LLC/RESURGENT CAP, XXXX XXXX and its successors. CACH LLC/RESURGENT CAP and XXXX XXXX is " third-party debt collector ''. This collection agency typically buys unsecured credit card debt from companies. I do not have a loan or contract with CACH LLC/RESURGENT CAP and XXXX XXXX or owe a debt to CACH LLC/RESURGENT CAP and XXXX XXXX is attempting to collect a debt on the basis of fraud. CACH LLC/RESURGENT CAP and XXXX XXXX has report false, derogatory, defamatory and slandering information about me to the 3 credit Bureaus on account # XXXX and account # XXXX which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! CACH LLC/RESURGENT CAP and XXXX XXXX decided to ignore my demands for Validation and delete the negative information immediately on my credit report.
Over the past several months, I have tried to resolve this issue on XX/XX/2020 and XX/XX/2020 by Demand to Cease and Desist ALL Collections Activities and filing a complaint FTC but to no avail, refusal. CACH LLC/RESURGENT CAP and XXXX XXXX decided to ignore my demands for Validation. The item was not being reported legally and lawfully. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately.I will further pursue all of my legal remedy without further notice to companies. Please Remove/delete CACH LLC/RESURGENT CAP and XXXX XXXX, immediately!
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| 01/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Sherman Originator XXXX, LLC/ Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX RE : Account XXXX Sherman Originator XXXX XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX LVNV Funding, and ( unsure where debt is ) vs. XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The thief ( s ) made fraudulent transactions and opened fraudulent accounts in my name with XXXX XXXX. I have been back and forth with several of XXXX XXXX affiliates, and no one is telling the truth as to where this debt is.
Im responding to XXXX XXXX, Resurgent Capital Services, LVNV Fundings replies that Sherman Originator XXXX, LLC, an affiliate of all the above entities, owns this debt as of XX/XX/XXXX. I request proper validation, and I want to make a deal for the paid in full removal of this fraudulent debt as shown below so long as this debt is validated to be owned by Sherman Originator XXXX, LLC. Please note that I never opened or used this account, and I request a FAIR payment for removal. I have asked everyone where this debt is, and the last one to be named was on 6/10/2021, Sherman Originator XXXX, LLC. However, the phone number and later I found the address provided are for Resurgent Capital Services XXXX. With this in mind, Resurgent Capital Services stated that they no longer have this debt. If this debt is NOT with Sherman Originator XXXX, LLC, then who did they sell it to? I need to know to inquire further.
Sherman Originator XXXX, LLC Please provide all records relating to the fraudulent transaction/account, including : Application records or screen prints of internet/phone applications ( I request all since I did not open this account ) Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address.
If you have any questions concerning this request, please contact me at the above address.
|
| 09/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I, XXXX XXXX makes a claim against XXXX XXXX XXXX, XXXX. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is LVNV Funding LLC . This debt buyer has been riddled with deceptive collection practices and sued by Attorney General offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector XXXX XXXX XXXX , XXXX, as well as from LVNV Funding LLC . It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The Attorney General of the state of New York had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.
|
| 09/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have an unverified account from RESURGENT CAPITAL SERVICES a.k.a XXXX XXXX, XXXX. I have previously disputed this account. I have never done business with RESURGENT CAPITAL SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. RESURGENT CAPITAL SERVICES has reported a collection on 2 credit reporting agencies on XX/XX/2018. I sent registered letters to RESURGENT CAPITAL SERVICES requesting validation of debt for their account # XXXX to the address listed, on XX/XX/2018, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters dated XX/XX/2018 outlining erroneous statement of charges from the alleged account as debt validation. I have requested that RESURGENT CAPITAL SERVICES, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If RESURGENT CAPITAL SERVICES is unable to provide the above identifying account information, this account must be deleted from both credit reporting agencies. This account is affecting negatively on both credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with RESURGENT CAPITAL SERVICES.
|
| 01/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX have just disregarded my consumer complaints and have did nothing to correct the situation. I sent a letter requesting that they, Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with Title 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
1. Please attach a copy of any signed agreement alleged debtor/ Plaintiff has made with debt collector, or other verifiable proof that debtor/ Plaintiff has a contractual obligation to pay debt collector.
2. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
3. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules A complete payment history documented from original creditor. This requirement was established by the case XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX.
4. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
5. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
6. Provide verification from the stated creditor that you are authorized to act for them.
Disputing the Debt, I 've also file complaints with XXXX and XXXX XXXX but they have also decided that, they are not reinvesting these complaints.
|
| 07/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I have family members with the same name. I have also been a victim of fraud and breaches. This is all public knowledge. This causes a issue with creditors mixing up information. I have an alert on my credit to warn creditors to verify information and how to reach me directly. This account does not belong to me I have been disputing it for years with all 3 reporting agencies. I have never received a letter, any notice, communication, I reached out to the original creditor and this account information has identity variations from mine which led to us to attempting to locate it on the phone for over 2hrs and me speaking to multiple supervisors. If I received no written notice prior or no response to my request following this incident, how can I protect myself as a consumer or correct a issue. How can you ethically- expect to to hold me responsible for this account? This company and the debt collector failed to provide me with ANY documentation, this includes prior to selling my personal information to this new debt collection legal agency. I never received a letter with my consumer rights, or a notice of debt collection. The debt collector has also not reached out to provide me with my rights I continued to dispute requesting any documentation in writing via mail never received any communication directly from creditor or debt collector. This is Deceptive And Unfair as it portrays to be a account that belongs to me but has no proof and my credit has suffered the consequences. While attempting to utilize my credit this negative impact is Publicized and embarrassing to my financial reputation and the current creditor has not reached out to me with the original contract yet. Please remove this account from XXXX XXXX and XXXX. This is listed as a Collection as of XX/XX/2018 it has hindered me for four YEAAARRRRS, even in a pandemic and national economic hardship. I think I have suffered and been lied to enough as a minority just learning about financial literacy i feel cheated out of the opportunities i could have had financially if i would have known my rights sooner.
|
| 09/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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Im extremely disappointed with XXXX XXXX XXXX, Resurgent Capital Service and the CFPB why Im going to explain I have a debt collector ( XXXX XXXX XXXX / Resurgent Capital Service ) attempting to collect on a debt that I have no knowledge of it. I send the three credit bureaus a full validation of debt, they failed to respond. Also XXXX XXXX XXXX / Resurgent Capital Service failed to send a full validation of debt and it pass more than 30 days and they still attempting to collect because they still have it on my report without a full validation of debt and thats a violation of the law. And the CFPB for not making XXXX XXXX XXXX / Resurgent Capital Service follow FCRA and the FDCPA laws. I requested a full validation of debt that consist of multiple things that I would like all of them listed below and failed to do so It were considered account invalid 1. Full accounting 2. A copy of assignment of purchase from the original creditor 3. Every charge and what was purchase ; every fee, payment and every credit.
4. How do you calculate what you claim what I owed 5. Case Law XXXX vs XXXX XXXX XXXX XXXX 6. A full chain of assignment from charge-off to Present 7. Proof that you Owen the debt with full clear Title 8. Proof that you were on the original contract 9. Case Law XXXX vsXXXX XXXX XXXX 10. Copy of the original contract with bearing my signature 11. Agreement with the creditor that authorizes you to collect on this alleged debt ; 12. The agreement bearing my signature stating that I have agreed to assume the debt ; 13. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 14. Proof that the Statute of Limitations has not expired ; 15. Complete payment history on this account along with an accounting of all additional charges being assessed ; 16. Show me that you are licensed to collect in my state ; and 17. Your license numbers, Registered Agent and Date 18. Copy of all letters sent to me from you and from the original creditor.
19. How much did you buy the debt for?
20. When was the last date a payment was made on this debt?
|
| 07/15/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, 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.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 06/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, 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.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 06/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Reference : Prior Complaint # XXXX My numerous requests, to Resurgent Capital Services , to supply a single copy of the original document that contains either the last four digits of my social security number or the last four digits of my drivers license, has to date never been supplied. I recently received another correspondent, from Resurgent Capital Services, which contained the exact same document contained in every correspondent received. Resurgent Capital Services can not prove this is my account. Every company that supplies equipment in the XXXX XXXX and beyond performs some level of credit check, as XXXX must have, and include that information in the customers file. However, Resurgent Capital Services can not or will not supply a copy of that original document. Also, as stated in my prior complaint, Resurgent Capital Services attempted to prove I was the owner of two different accounts ; this is definitely the sign of collection company scam. In addition, there were more than 15 families that shared the address on the ranch that Resurgent Capital Services claims is my account statement. This account could have belonged to any one of these employees, since Resurgent Capital Services first insisted that the account ending in # XXXX was mine and then now insisting that the account ending in # XXXX is mine also. Finally, Resurgent Capital Services has never supplied proof they are authorized to collect for LVNV Funding LLC, that they are licensed to collect debts in the state of Florida and their license number, no matter what the state issued. This is information I am entitled to and must be supplied to me, upon request.
After speaking with an CFPB agent, on a recorded line, she diplomatically disclosed my legal entitlement to all of the information requested in the dispute letter to Resurgent Capital Services. It would appear LVNV Funding LLC purchased several XXXX debts and instructed Resurgent Capital Services to go on fishing expeditions to locate any person gullible enough to pay them, which could be defined as a classic debt collection scam.
|
| 02/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I received notification on my credit report that there was a collection account from LVNV funding LLC. I did not recognize the account so I contacted the original creditor that was listed as XXXX XXXX and I contacted LVNV Funding via Certified letter return receipt requesting that the debt the company was trying to collect funds on be validated. I specifically requested a copy of the contract which LVNV funding refused to provide to me. XXXX XXXX stated they did not have a contract and ceased all collection attempts. Out of retaliation LVNV finding took the debt and re-aged the date that was listed, which is illegal. On the original count that they were trying to collect on LVNV stated that the original collection account was opened in XX/XX/XXXX, however out of anger they re-aged the date to show that the account was open XX/XX/XXXX. Originally this account was listed as a charge off LVNV decided to open the account and listed as an open account with their company as if I have credit or an account with them directly. LVNV finding has refused to provide me with a contract showing that guy had services with either their company or XXXX XXXX. They have refused to show me any documents showing that they are within their legal rights to collect on this debt. The only document that they sent me was a bill from XXXX XXXX that was dated XX/XX/XXXX. The bill that they sent is requesting payment on that specific date yet on another document that LVNV sent to me is stating that their company acquired the date on XX/XX/XXXX. The document also states that the debt was charged off on XX/XX/XXXX which is in entire month prior to the new re-aged date that LV in funding has stated that the account was opened. LVNV funding is using lies and deceit to try to force me to pay this debt that they are trying to extort money from me. As of todays date LV in funding has not provided any documentation proving that I owe this debt. They have not proved where this debt originated from. They have proved that they will use any illegal deceitful tactic to collect on this debt.
|
| 05/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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LVNV/Resurgent is XXXX again continuing to violate the FDCPA requirements for validating the alleged debt ; the most important being the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ). My original Debt Validation Letter lists this request, as well as requests for a letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) and the exact calculations supporting the alleged debt amount. Again, they continue to ignore these XXXX specific requests. LVNV/Resurgent lacks sufficient information and belief in order for me to admit or deny this alleged debt.
In addition, LVNV/Resurgent fails to state a claim upon which relief may be granted and that their claims are barred by the doctrine of laches and the principle of waiver. Until LVNV/Resurgent provides the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ), their basis is on a contract that is an adhesion contract and a contract that is illusory and therefore unenforceable. And where is the calculation of interest? The calculation stated in their response is usurious or based on a rate that is greater than allowed by law.
I respectfully ask LVNV/Resurgent XXXX again to provide the XXXX specific items noted in this response and again following : - the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ) - the letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) - the exact calculations supporting the alleged debt amountIn closing, I would like to publicly invoke the Doctrine of Unclean Hands as LVNV/Resurgent acted in a dishonest or fraudulent matter with respect to the dispute at hand in this situation.
|
| 12/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have attempted to send a debt validation letter to this company, at the address they provided to the CRA 's. This address is not a valid address and my certified letter was returned. This intentionally deceptive act has prevented me from requesting a validation letter. Furthermore it violates the Deceptive Trade Act as noted below. When you try to reach LVNV the phone dials Resurgent Capitol Services. The original debt owner took me to court, I won the case ( dismissed with prejudiced in my favor ). This behavior is is also in violation of the FDCPA/FCRA/TDCPA Sec. 17.462. LISTING OF BUSINESS LOCATION OF CERTAIN BUSINESSES.
b ) A person is considered to misrepresent the geographical location of a business for purposes of Subsection ( a ) if the name of the business indicates that the business is located in a geographical area and : ( 1 ) the business is not located within the geographical area indicated ; ( 2 ) the listing fails to identify the municipality and state of the business 's geographical location ; and ( 3 ) a telephone call to the local telephone number : ( A ) listed in the directory or database routinely is forwarded or transferred to a location that is outside the calling area covered by the directory or database in which the number is listed ; or ( B ) provided on the Internet website or in a print advertisement routinely is forwarded or transferred to a location that is outside the calling area of the geographical area as indicated by the name of the business.
Sec. 17.50. RELIEF FOR CONSUMERS. ( a ) A consumer may maintain an action where any of the following constitute a producing cause of economic damages or damages for mental anguish : ( 1 ) the use or employment by any person of a false, misleading, or deceptive act or practice that is : ( A ) specifically enumerated in a subdivision of Subsection ( b ) of Section 17.46 of this subchapter ; and ( B ) relied on by a consumer to the consumer 's detriment ; ( 2 ) breach of an express or implied warranty ; ( 3 ) any unconscionable action or course of action by any person ;
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
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XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. XXXX notified me " XXXX XXXXXXXX XXXX-UPDATED. '' Errors still exist on my credit report when I never had any creditor relationship with Original Creditor Name XXXX XXXX XXXX XXXX XXXX A nor XXXX XXXX XXXX XXXX I assert that XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX was ever my original creditor. XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXXXXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX XXXX failed to produce any documented evidence of how LVNV FUNDING, a Type Derogatory, Collection, or a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. LVNV FUNDING is listed on my credit report for a Collection balance owed for a debt to Original Creditor as XXXX CXXXX XXXX XXXX XXXX XXXX Also known as XXXX XXXXXXXX BANK NA as the original creditor that is an error. XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and LVNV FUNDING remains in direct violation of The Fair Debt Collection Practices Act. Updated and modified information is inaccurate, incorrect, and false. Without establishing an Original Creditor Relationship and a Contractual Agreement containing my signature, it would be impossible to verify any such Type of Derogatory, open, closed, charge-off, default, collection, balance, or amount due, etc.
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| 06/25/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been in recent communication with a company by the name of Resurgent Capital Services Since XX/XX/XXXX. This company claims to be managing a collection account on behalf of XXXX XXXX. In their correspondence, they stated that this debt was acquired from two different companies. One by the name of XXXX XXXX, XXXX and the other by the name of XXXX, XXXX. I requested validation of this debt that included the name and address of the original creditor, a copy of the original contract or judgement, and full record of statements so that I could validate the charges on this account. I also requested the Chain of TitlXXXX and purchase agreements showing all of the agencies said to have had legal ownership of this particular account. I requested this information more that twice and Resurgent Capital Services/ XXXX XXXX has not provided any proof of validation or legal ownership of this account. However, they continue to try and collect on this account and are still reporting this alleged account to my consumer reports. I have been disputing this issue with the company directly as well as the three major credit bureaus since XX/XX/2018 and have done all that I can to get this account verified. This company is in direct violation of the FDCPA as well as the FCRA due to continuous collection activity and credit reporting without validating this account. This company has only sent me two credit card statements and an account summary prepared by their office. One of the statements didnt list any charges at all, just a total balance. This company has not verified that this account belongs to me and was opened by me ( through a copy of the original contract ), nor have they proven legal ownership of this account ( through a copy of the Chain of Title and purchasing agreement ). I have attached all of the correspondence between myself and Resurgent Capital Services/XXXX XXXX XXXX for your review.
Please have this company cease all collection activity and reporting until they can provide all of the validating proof including ownership of this account.
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| 11/11/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect.
It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness.
I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency.
Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2017, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being.
I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated 30-day period, informing me of the actions taken to address this matter.
Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves.
Sincerely,
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| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, MI XXXX XX/XX/2023 Compliance Department XXXX XXXX Attn : Compliance XXXX XXXX XXXX XXXX, SC XXXX RE : Requesting a Method of Validation Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.
Collection Agency : LVNV Funding LLC ( LVNV ) Account Number ( s ) : A : ) XXXX B : ) XXXX I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.
I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.
Please provide the following : 1. Validation of the debt -- that is, the actual accounting.
2. Verification of a signed Invoice.
3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter.
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Very Respectfully, XXXX XXXX XXXX
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| 08/14/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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: RESURGENT CAPITAL SERVICES you are in direct violation of my rights under the FCRA act.
-Failed to validate a debt at my request-FDCPA VIOLATION -Continued to report a disputed debt to the CRA- FCRA VIOLATION -Continued to attempt to collect a disputed debt- FDCPA VIOLATION -Reporting a charged off account with a balance- FCRA VIOLATION -Ignored my request for proof of my signature-FDCPA VIOLATION Not only have you ignored my prior request for Validation of Debt, but you also continue to report this charge off account with a balance causing damage to my character. I AM NOT ASKING FOR A COPY OF A BILL OR SUMMARY! Please provide full proof of this debt including MY SIGNATURE binding me to this debt that you claim belongs to me and that I owe. This letter will request that you follow guidelines of The Fair Debt Collection Practices ( FDCPA ), 15 U.S.C. & 1692 and please provide the following : VALIDATION OF DEBT REQUEST -PROOF OF THE CREDITORS RIGHT TO OWN/COLLECT THIS ALLEGED DEBT- BALANCE CLAIMED INCLUDING ALL FEES, INTEREST AND PENALTIES -CONTRACT BEARING MY PERSONAL SIGNATURE- LICENSE PROOF OF THE CREDITOR TO COLLECT DEBT IN MY STATE Should you continue to ignore my request for this validation letter including proof of my signature, you are in direct violations of my consumer rights as indicated under both the FDCPA and the FCRA. I advise you to delete this account from all credit bureaus including the hard inquiry that I did not authorize. Show proof of the application that resulted in an inquiry. If not, remove that inquiry from all credit agencies that you are reporting too. DO NOT send me a summary or a bill without my signed signature that bonds me to this debt. I have been a victim of Identity Theft and have been dealing with fraudulent debt for the past few years. The credit bureaus are aware of my Identity Theft as well. If you fail to follow the law, I will report you to the Consumer Financial Protection Bureau as well as the XXXX. If this is not rectified in the correct manner. Per my lawyers request, I will sue you in court.
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| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi I am submitting this XXXX XXXX, this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my XXXX has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my XXXXo say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
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| 09/09/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On or about XX/XX/2023, XXXX contacted me via mail in an attempt to collect an alleged debt. XXXX claims that I am obligated to pay an alleged {$680.00} balance, yet they fail to provide any account information associated with this alleged debt. Under 15 U.S.C. 1693a ( 2 ), it is explicitly defined that an " account '' does not include an occasional or incidental credit balance in an open-end credit plan.My concern arises from XXXX 's false and misleading representation, as well as their use of unfair and unconscionable means to collect an alleged debt. It is clear that XXXX has mischaracterized this situation by referring to the alleged debt as an " account. '' The term " account '' has specific legal implications, as outlined in 15 U.S.C. 1693a ( 2 ), and XXXX 's misuse of this term is both misleading and unlawful.In accordance with 15 U.S.C. 1693a ( 2 ), the term " account '' is explicitly defined as follows : " The term 'account ' means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open-end credit plan as defined in section 1602 ( i ) of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement. " It is abundantly clear from this legal definition that no consumer has an " account '' with a debt collector by operation of law. XXXX 's misrepresentation of the term " account '' in their collection attempts is not only deceptive but also in direct violation of the Fair Credit Reporting Act ( FCRA ) .I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX for their misleading and deceptive practices. Furthermore, I request that you provide guidance and oversight to ensure that debt collectors adhere to the accurate and legal use of terms, particularly the term " account, '' when attempting to collect alleged debts.
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| 10/22/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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IN XXXX, XXXX. I WENT OUT OF WORK FOR XXXX XXXX IN XXXX, VA WITH XXXX AFTER GETTING TO THE POINT OF NOT BEING ABLE TO GET OUT OF BED AND DO ORDINARY DAY TO DAY ROUTINE THINGS LIKE CLEANING MY HOME. IN XXXX I FILED FOR XXXX ON MY DOCTORS ADVICE AND IT TOOK, TO THE BEST OF MY BAD MEMORY, ALMOST 2 YEARS TO GET MY XXXX AND COST ME XXXX DOLLARS FOR SOCIAL SECURITY AND FOR MY XXXX FROM FEDERAL GOVERNMENT TO KEEP MY INSURANCE BECAUSE OF PRIOR HEALTH PROBLEMS. I HIRED A COMPANY IN CALIFORNIA TO HELP ME RESOLVE MY CREDIT DEBT. I WAS A SINGLE MOM WITH XXXX SONS TO RAISE AND NOT A LOT OF HELP FROM THEIR DAD. I HAD SETTLED A COUPLE AND THEN WAS SERVED WITH WARRANT OF DEBT FROM 2 BANK COMPANIES. I COULD NOT PAY WHAT THEY WANTED BECAUSE I HAD LOST OVER 10 THOUSAND DOLLARS IN SALARY AND WAS JUST TRYING TO KEEP MY SONS IN THEIR HOME WITHOUT UPSETTING THEM MORE. SINCE THEN THE CREDIT COMPANY LVNV Funding , LLC HAS BOUGHT THE DEBT WHICH IS PAST THE STATUE OF LIMITS FOR COLLECTIONS AND HAS SERVED ME NUMEROUS TIME AND THE LATEST WAS LAST XXXX WITH ANOTHER WARRANT OF DEBT. THE COURTHOUSE IN XXXX County SENT OUT A LETTER TO OBTAIN AS TO WHY THIS COMPANY COULD NOT GARNISH MY BANKING FOR WHICH MY XXXX CHECKS WERE BEING DEPOSITED INTO AND I FILLED IT OUT AND SENT IT BACK WITH COPIES OF MY XXXX STATEMENTS. LVNV Funding, LLC SENT OUT A NOTICE EXACTLY LIKE THIS ASKING IF I WAS ON XXXX AND I FILLED IT OUT STATING I WAS AND RETURNED THIS. THIS WAS XXXX, AGAIN, OF XXXX. I HAVE BEEN TRYING TO RE FINANCE MY HOME SO TO LOWER PAYMENTS AND TRY TO GET IT PAID OFF EARLIER AND NOT BE JUST MAKING IT EVERY MONTH. EVERY TIME I TRY TO RE FINANCE MY HOME THIS JUDGEMENT SHOWS UP WHICH AGAIN IS OVER 10 YEARS OLD. IT WAS TAKEN OUT AGAINST ME IN XXXX OR XXXX. THEY KEEP TRYING TO COLLECT ON IT AND THE CREDIT CARD WAS ORIGINALLY WITH XXXX XXXX XXXX AS FAR AS I WAS AWARE AND I DO NOT KNOW HOW XXXX XXXX GOT INTO THIS WHOLE THING BUT I ACTUALLY HAVE A CREDIT CARD FROM XXXX XXXX. HOW DO I GET THEM TO LEAVE ME ALONE REGARDING THE TIME LIMIT FOR EXPIRATION OF THIS CREDIT CARD ISSUE?
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| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I filed a complaint with the XXXX and this affected my ability to get employment. My rights are being violated. Please Help me!
I asked XXXX to fix this problem I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
I would like monetary relief per violation of my rights 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
15 U.S.C 1681 section 602 A. States, I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation.
LVNV FUNDING Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Please fix these problems
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| 08/13/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I, XXXX XXXX, am a natural person and my place of abode is my location information as that term is defined by 15 USC 1692a ( 7 ).
I am a consumer as that term is defined by the FDCPA and RFDCPA.
LVNV Funding is a debt collector as that term is defined by 15 USC 1692a ( 6 ). LVNV Funding is also a debt buyer with a laundry list of complaints against them on the CFPB, FTC, and XXXX.
I understand my rights as a consumer and know that Congress has enacted federal laws to protect me as a consumer. I have created this affidavit to put you on notice about the abusive debt collection practices of LVNV Funding pursuant to 15 USC 1692a ( e ) and make you aware that they have invaded my individual privacy under 15 USC 1692a.
Within the last year, LVNV Funding and its associates/agents have attempted to collect an alleged consumer debt from me. This alleged debt is beyond the statute of limitations in the State of California.
On multiple of occasions, I have disputed this alleged debt with the credit reporting agencies and directly with LVNV Funding. Each time, LVNV Funding has failed to properly update my consumer report to reflect this dispute which is a violation on the FCRA under 15 USC 1681.
Additionally, by LVNV Funding reporting this alleged debt on my consumer report without validation, it is a violation of 15 USC 1692g. When LVNV Funding reported this account to the CRA 's and stated that I owed a debt, they violated 15 USC 1692b ( 2 ).
LVNV Funding is solely reporting this account as an attempt to coerce payment, which is also a violation of 15 USC 1692d ( 4 ).
Lastly, under the FCRA, this consumer credit transaction is supposed to be excluded pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
LVNV Funding violated 15 USC 1692f of the FDCPA by using unfair or unconscionable means in connection with the collection of an alleged debt, when LVNV Funding and its agents engaged in the foregoing conduct.
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| 09/25/2023 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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On XX/XX/XXXX, I initiated my most recent dispute by sending a certified mail to LVNV FUNDING LLC. In this communication, I requested thorough verification of the debt, including but not limited to the original contract bearing my signature. Regrettably, I have not received any response from LVNV FUNDING LLC containing the requested documentation, nor have I received the 1099-C form. I also explicitly asked that they cease collection activities on this debt while the verification process is underway.
Prior to this, on XX/XX/XXXX, I sent a certified letter to LVNV FUNDING LLC requesting the original contract pertaining to this debt. It is important to note that the original debt in question does not appear on my credit report, further necessitating clarification. However, my request for the original contract went unanswered, and the response I received merely stated that the debt had been " verified '' without providing any supporting documents.
Additionally, on XX/XX/XXXX, I communicated with all three major credit bureaus to dispute the inclusion of the LVNV FUNDING LLC account on my credit report. I asserted that this account did not belong to me and requested its removal. Despite these efforts, the LVNV FUNDING LLC collection account continues to be reported by XXXX and XXXX.
Then today XX/XX/XXXX I received a certified letter from the sheriffs department demanding payment.
I have undertaken these actions in good faith to resolve the matter and ensure the accuracy of my credit report. It is my sincere hope that the Consumer Financial Protection Bureau ( CFPB ) can facilitate a thorough investigation into this dispute to ascertain the validity of the LVNV FUNDING LLC collection entry on my credit report. I urge your prompt attention to this matter as it significantly impacts my financial standing.
Please do not hesitate to reach out if additional information or documentation is required to facilitate this investigation. I appreciate your assistance in resolving this matter and look forward to a prompt resolution.
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| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Resurgent Capital Services L.P. asserts to be the servicer for LVNV Funding LLC reporting a Collection on my credit reports for an account alleged to have originated with XXXX XXXX Bank, XXXX.
To be clear XXXX XXXX Bank, XXXX. is not my original creditor and was never my original creditor. There is no contractual relationship in writing containing my signature for any such account that was opened with XXXX XXXX Bank, XXXX. to extend credit to me. My credit reports don't show any account that was opened by XXXX XXXX Bank, XXXX. that is Charged Off, Open, Closed, Past Due, Default, Late, or expressly any data showing a creditor relationship between myself and XXXX XXXX Bank, NA.
Resurgent Capital Services L.P. is incorrectly confirming that an Account was charged off on XX/XX/XXXX, with a balance of {$1800.00} owed to XXXX XXXX Bank, XXXX. that is owed by me. No such evidence exists on my credit reports and not showing in my credit file. This information does not appear on my credit reports that a Charge Off balance is owed by me to XXXX XXXX Bank, XXXX. with a balance of {$1800.00}, and for any such last payment in the amount of {$90.00} was received on XX/XX/XXXX.
Instead, Resurgent Capital Services L.P. and LVNV Funding LLC are improperly reporting a Collection account on my credit report for a balance owed to XXXX XXXX Bank, XXXX. While no Charge Off is reported by XXXX XXXX Bank, XXXX. for any such balance that is owed by me.
Resurgent Capital Services L.P. as a servicer is falsely reporting a balance owed by me to XXXX XXXX Bank, XXXX. without validation nor a contractual agreement containing my signature. Further, XXXX XXXX Bank, XXXX. isn't reporting any such Charge Off on my credit reports that Resurgent Capital Services L.P. is claiming that is owed by me.
Causing extreme harm and damage to my credit reports. Resurgent Capital Services L.P. remains in direct violation of the Fair Debt Collections Practice Act and carrying out unfair and unconscionable means to collect and attempt to collect a debt unlawful.
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| 06/22/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Summary Description of my claim with CFPB with respect to improper behavior by CACH LLC and its assignees.
CACH LLC XXXX XXXX XXXX XXXX SC XXXX Despite a dispute being filed with XXXX and XXXX nearly 13 months ago ( XX/XX/XXXX ) due to the appearance of a record with an account number, amount and date that do not match any records that I have, this party ( CACH LLC ) continues to refresh this entry on my report and pursue collection activities ( letters through XX/XX/XXXX ) without acknowledging my dispute, providing any of the documentation required to validate their claim, or their right to pursue it as prescribed in previous rulings and consent orders handed down by CFPB to CACH LLC and affiliates for similar behavior.
For more than 12 months since the dispute was documented with the credit reporting agencies, CACH LLC and its assignees continue to assert their claim in communications to me while neither acknowledging my dispute nor making any attempt to prove the validity and accuracy of this claim and their right to pursue it. This is a clear disregard of their obligations as defined in FDCPA and FCRA.
1 ) Section 807 ( 2 ) ( A ) of the FDCPA, 15 U.S.C. 1692e ( 2 ) ( A ) specifically prohibits the false representations of the character, amount, or legal status of any debt.
2 ) Section 807 ( 8 ) of the FDCPA, 15 U.S.C. 1692e ( 8 ) specifically prohibits the false, deceptive, or misleading representation of information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed CACH LLC and their representatives blatantly ignore these guidelines, as they have done so many times before, in order to blindly pursue payment on a claim I do not recognize and that they refuse to properly document for origin, amount, validity or even dispute status. Yet, they keep contacting me and updating this undefined negative collection item on my credit reports, presumably to force a nuisance pay-off, or me to deal with them. Which I am doing now through this complaint.
|
| 06/15/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Thank you for your recent communication wherein you claim to have validate the alleged debt. The information you provided is woefully deficient and fails to establish that this is a valid item.
First, you have not, by any credit means, demonstrated that I owe this alleged debt to your organization. You have failed to provide any document bearing my signature that would establish that I have indebtedness to your company. You have ask so failed to provide me with a complete statement of accounting as required by law to be considered full and complete.
Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, your agency or the creditor.
Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, not that if you continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act.
Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged debt to your organization AND to the original creditor. Your answers were condescending and I WILL be sure to report this negative response to the Federal Trade Commission and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law.
To summarize, I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.
Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated.
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| 04/14/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Resurgent Capital Services continues to report a debt that is harming my credit. Resurgent Capital Services refuses to prove that they own the alleged debt. Resurgent Capital Services has only sent a Bill of Sale which is incomplete and do not list any information that proves they own or purchased the alleged account. The Exhibit A they submitted to me from previous complaints is incomplete and does not list the alleged account they are attempting to collect on. This is false and misleading and a violation of Washington State Debt collection laws and Federal debt collection laws. I demand Resurgent Capital Services prove what authority they have to report this alleged account and prove consent to obtain and use my personal identifiable information to extort me out of money.
I demand the FORWARD FLOW AGREEMENT/PURCHASE AGREEMENT a document that generally sets out the terms of the sale of the alleged debt. NOT AN INCOMPLETE BILL OF SALE.
This documentation is needed to prove that the alleged debt/account was purchased, how much, and under what terms and conditions. I HAVE THE RIGHT TO KNOW HOW MUCH THIS ALLEGED DEBT WAS PURCHASED FOR AND WHAT PERSONAL IDENTIFIABLE INFORMATION WAS STOLEN WITHOUT MY CONSENT.
I never consented to Resurgent Capital Services having any of my personal identifiable information. NO CONSENT IS IDENTITY THEFT AND FRAUD. This is also an invasion of my privacy. Resurgent Capital Services ' refusal to prove this alleged debt is owned by them is intentional and willful noncompliance with the law and they are willfully harming me. I will now resume seeking remedy through Federal Court for Resurgent Capital Services ' noncompliance with the law and I will use my multiple complaints and any information deemed necessary to prove Resurgent Capital Services ' willful noncompliance.
I do not have an account with Resurgent Capital Services nor have they ever extended me credit. Resurgent Capital Services has also violated the Fair Credit Reporting Act by illegally accessing my XXXX consumer report.
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| 06/07/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against RESURGENT CAPITAL SERVICES for committing identity theft. I have never given RESURGENT CAPITAL SERVICES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from RESURGENT CAPITAL SERVICES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If RESURGENT CAPITAL SERVICES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RESURGENT CAPITAL SERVICES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RESURGENT CAPITAL SERVICES continues its collection efforts, I will file for litigation for actual damages caused and RESURGENT CAPITAL SERVICES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 09/30/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I believe my rights as a consumer has been violated by LVNV Funding LLC and Resurgent Capitals Services. Both FDCPA and FCRA violations. My research on LVNV Funding LLC, Resurgent Capitals Services and XXXX XXXX XXXX XXXX the current servicer was named in a lawsuit that an approval was granted on.
I have requested for LVNV Funding LLC to provide an original contract between myself and LVNV Funding that has my signature on it. Account with them is being passed or sold to different debt buyers without validation. On XXXX mailed a certified letter to LVNV Funding LLC it was signed for on XX/XX/XXXX, I requested a validation of debt. I received a letter from Resurgent Capital Services 2 letters in the same envelope dated for the same day.one stating they manages the account for LVNV Funding LLC. and has initiated a review of the inquiry recently received and 2nd Letters stating recent inquiry received and a summary of an account prepared by Resurgent Capital Services on behalf of LVNV Funding LLC and it is a statement from XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX.
On XX/XX/XXXX I mailed a certified letter to Resurgent Capital Services dated XX/XX/XXXX it was picked up from post office on XX/XX/XXXX on XX/XX/XXXX I received the same 2 letters as before.
On XX/XX/XXXX I sent a letter about my 3 prior requests informing them FDCPA violations and FCRA Violations. No response from Resurgent so I addressed my next letter directly to LVNV Funding LLC. mailed on XX/XX/XXXX delivered on XX/XX/XXXX. See attached. I received a letter dated XX/XX/XXXX from Resurgent Capital Services stating XXXX XXXX XXXX is the current servicer of this account.
I received a letter dated XXXX XX/XX/XXXX From XXXX XXXX XXXX stating LVNV Funding LLC is their client.
On XX/XX/XXXX I responded because they gave me 30 days. Requesting the same information. Please note the Privacy notice section with the list of companies under LVNV LLC. does this mean that at any time one of these companies can contact about the same debt and not validate it.
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| 06/27/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A collection agency Resurgent is trying to collect a debt that they say I owed to XXXX XXXX ( or the new owner of the debt LVNV Funding ) I spoke to XXXX. They have absolutely no record of any debt I owe to them or a customer of theirs.
The debt collector said they would mail me a written detailed explanation of the debt. They have not sent such documentation.
The will only repeat that I owe to LVNV Funding which purchased a debt from XXXX.
I receive daily emails harassing me about a debt that I have no evidence belongs to me. Here is the contents of one such email -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, First, I wanted to thank you for visiting our Payment Options page. Hopefully you had a chance to review all of the options available for you.
That said, if you're experiencing financial difficulty and would like to discuss options other than what you saw on our website, please let me know. Even if you're not able to pay right away, I'm sure we can work something out.
Hope to hear from you soon.
Click here to review options Please review your account details below : Original Creditor : XXXX XXXX Current Owner : LVNV Funding LLC Account Number : Ending in XXXX Resurgent ID : XXXX Current Balance : {$410.00} View My Account Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team.
Connect with us!
Copyright 2023 Resurgent Capital Services, LP. All rights reserved Phone : XXXX ( XXXX ) XXXX Physical Address XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX General Disputes/ Correspondence XXXX XXXX XXXX XXXX , SC XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXX EST Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy | Unsubscribe THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
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| 10/20/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This Debtor has multiple FCRA violations.
XX/XX/XXXX, My credit report stated I had an collection from ( LVNV FUNDING ACCOUNT # XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account.
XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX XXXX XXXX and reported " Meets FCRA requirements '' on a separate account. ( violations : balance on account charged off, proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX XX/XX/XXXX. Debtor removed collection account from XXXX only. Debt collector reported " I requested to be removed on all bureau. Debtor failed Request. Debtor reported " Meets FCRA requirements '' ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX as of XX/XX/XXXX. ) violations : balance on account charged off, proof of debt with wet signature, payment status as late on a collection account on XXXX as of XX/XX/XXXX ) XX/XX/XXXX, I Disputed this collection with twice XXXX XXXX XXXX
XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX. and reported " Meets FCRA requirements '' On XXXX as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX as of XX/XX/XXXX. payment status as late on a collection account on XXXX as of XX/XX/XXXX ) I Disputed this collection with three times XXXX and XXXX.
XX/XX/XXXX, Debtor has not responded to my request or updated my account. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately
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| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Complaint number XXXX Your response sent on XXXX XXXX I reject your response because I am certain your are committing identity theft fraud and violating the law at the same time.
Please be aware this is my last complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested, instead they are sending bank statements. This is not a contract. This company is attempting to do business with them. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States v. Kuc, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim. You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.
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| 08/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice for validation of debts.
( a ) Validation information required.
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule : i. XXXX debt collector has an initial communication with the consumer by telephone. Within five days of that initial communication, XXXX debt collector sends the consumer a validation notice using Model Form B1 in appendix B to this part. ABC debt collector has complied with 1006.34 ( c ) ( 1 ) even though Model Form B1 includes the disclosure described in 1006.18 ( e ) ( 1 ) rather than the disclosure described in 1006.18 ( e ) ( 2 ).
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| 09/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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on XXXX XXXX, i sent a letter to lvnv funding, llc requesting validation of the alleged debt they say i owe.it was sent off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Fri, XX/XX/XXXX, XXXX XXXX.they have not responed to me within 30 days and therefore this unverified item must be deleted before i consult my attorney.LVNV FUNDING XXXX LLC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$820.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, LVNV FUNDING, LLC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
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| 08/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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I submitted disputes to LVNV, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.
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| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Response on XXXX XXXX Account number XXXX I reject your response due to this : I am certain your are committing identity theft fraud and violating the law at the same time.
Please be aware this is my last complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested, instead they have attached bank statements. This is not a contract. This company is attempting to do business with them. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States v. Kuc, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim. You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.
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| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Response on XXXX XXXX Account number XXXX I reject your response due to this : I am certain your are committing identity theft fraud and violating the law at the same time.
Please be aware this is my last complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested, instead they have attached bank statements. This is not a contract. This company is attempting to do business with them. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States v. Kuc, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim. You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.
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| 07/06/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear Sir/Madam, I am writing to dispute the validity of a debt collection account that appears on my credit report. I recently obtained a copy of my credit report and discovered an account listed by your agency under the name RESURGENT/LVNV FUNDING with the account number XXXX. I believe there may be inaccuracies or discrepancies associated with this account.
I would like to request detailed information regarding this debt collection account, including the following : Verification of the debt : Please provide documented evidence that verifies the debt in question, such as the original creditor, the amount owed, and the nature of the debt.
Proof of ownership : Please provide documentation that confirms your agency 's legal ownership or authorization to collect on this debt.
Validation of the debt : Please provide information on the date of the last activity or payment made on the account, as well as any relevant supporting documentation that substantiates the validity and accuracy of the debt.
I understand that, as a consumer, I have the right to dispute and seek validation of any debt that appears on my credit report. I am exercising this right in order to ensure the accuracy and legitimacy of the information being reported.
I kindly request that you cease all collection activities related to this account until its validity has been verified. Please also remove any negative reporting associated with this account from my credit report during the investigation process.
I appreciate your attention to this matter and look forward to receiving the requested information within the timeframe specified by the Fair Debt Collection Practices Act ( FDCPA ). Please communicate with me in writing to confirm receipt of this dispute and to provide updates on the investigation.
Thank you for your prompt attention to this dispute. I trust that you will handle this matter with the necessary diligence and in accordance with the applicable laws and regulations.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I sent LVNV Funding LLC C/O Resurgent Capital Services a certified investigation letter on XX/XX/XXXX. According to The Federal Fair Credit Reporting Act 15 U.S.C 1681i LVNV Funding LLC had 30 days from the date they receive my dispute letter ( XX/XX/XXXX) to fix any discrepancys that has been reported to the credit bureaus and/or send validation of the debt. Almost 3 months later I still havent received any validation of this date, nor has anything been updated on my credit report. I then decided to write another certified letter on XX/XX/XXXX which was delivered XX/XX/XXXX stating I allowed more than enough time to finish the investigation and/or to fix any discrepancys that may be on my credit report. I also stating after doing my own investigation and contacting XXXX myself that the opening date was XX/XX/XXXX and that the debt was sold for way less then what is being collected for on my credit report. Based on FCRA this account is to be deleted now for failure to provide accurate information to the credit bureaus and failure to provide validation of the debt in the legal time allowed per the FCRA.
I then receive a letter from Resurgent Capital Service dated XX/XX/XXXX stating that they are managing the account for LVNV Funding LLC and has initiated a review of the inquiry. A few weeks later I receive another letter from Resurgent Capital Service dated as XX/XX/XXXX stating that the account has been review and attached is the documents, which was just a signed contract.
I requested validation of the debt back in XX/XX/XXXX which is 3 months past the legal time they originally received my letter per the Federal Fair Credit Report Act 15 U.S.C. 1681 ( I ). The signed contract that was sent DOESNT show if any payments has been made, if there was any additional interest fees was added, any collections fees, etc. ONCE AGAIN MY RIGHTS HAS BEEN VIOLATED per both The FDCPA and The FCRA because the letter I received from your facility didnt give any true validation of the amount of debt being collected.
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| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I HAVE BEEN HAVING PROBLEMS WITH 3 COMPANIES FOR THE PAST 5 YEARS. I HAVE DONE EVERTHING THEY HAVE ASKED FROM ME. I HAVE SEND COPIES OF ALL THE DOCUMENTATION THEY HAVE REQUESTED IN ORDER TO HAVE MY ACCOUNTS UP TO DATE. I WAS A VICTIM OF XXXX XXXX FOR 20 YRS. AFTER MY XXXX XXXX XXXX AND HAVING MY TRUCK BURNED BY MY ABUSER I FILED FOR DIVORCE. THATS WHEN MY I STARTED GETTING DELINQUENT LETTERS FROM CREDITORS, REQUESTING PAYMENTS. I CALLED AND EXPLAINED TO THEM THAT IT WASNT ME WHO GOT THOSE MONEY LOANS, OR COMMERIAL LOANS, OR STORE CREDITS. I DID POLICE REPORTS AND SEND THEM TO EVERY SINGLE COMPANY AND THEY DENIED ME THE CHANCE TO CLEAR AND CLEAN MY CREDIT SCORE. XXXX SUED ME FOR 7 ACCOUNTS I WON 3 CASES BUT STILL PENDING 4 I KEEP CALLING THEM AND THEY HANG UP OR JUST HAVE ME ON XXXX FOR HOURS. XXXX XXXX HAS BEEN SENDING TEXT MESSAGES DEMANDING PAYMENT FOR 3 ACCOUNTS I ALSO SEND THEM THE POLICE REPORTS AND IVE HAD NO SUCCES THEY KEEP UPDATING MY CREDIT REPORT AND THEY KEEP CHANGING THE DATES ON THEM " LIKE WHEN ACCOUNT WAS OPENED " THEY DONT MATCH COMPARED TO THE CREDIT REORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IS DOING THE SAME THING REPORTING INFORMSTION THATS NOT CORRECT. AND XXXX HAS MY WRONG DATE OF BIRTH I HAVE REQUESTED THEM TO UPDATE MY INFORMATION AND THEY WANT ME TO SEND A COPY OF MY ID AND SS #, IM AFRAID TO SEND THEM MY INFORMATION DO THAT NO ONE LISTENS TO ME. I HAVE ALSO TOLD THE 3 CREDIT COMPANYS THAT THE INFORMATION THEY HAVE IS AFFECTING ME AND MY FAMILY TREMENDOUSLY. I HAVE NOT BEEN ABLE TO BUY A HOME FOR MY KIDS NORE HAVE I BEEN ABLE TO PURCHACE A VEHICLE SINCE THE LAST ONE WAS BURNED BY MY EXHUSBAND. I HAVE SEND ALL THEM COPIES OF THE POLICE REPORT STATING THAT IM A VICITUM OF IDENTETIY THEFT AND THE PERSON WHO OPENED THOSE ACCOUNTS WAS MY EXHUSBAND AND HIS SISTER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DONT KNOW WHAT ELSE TO SEND THESE COMPANIES TO MAKE THEM UNDERSTAND MY SITUSTION AND HOW IT HAS BEEN AFFECTING US , PLEASE HELP, ANY ADVICE IS WELCOME
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| 01/02/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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According the FCRA AND FDCPA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX are in violation of my consumer rights. They have sent me several collections letters of accounts that I don't have knowledge on, and that I have requested investigations on for unfair and deceptive practices.
They have not performed any proper investigations, and instead have " Assigned '' their debt to other entities that they own or are affiliated with, with the goal of re inserting this file into my credit reports under a different debt collectors name.
I believe they are engaging in unfair and deceptive practices by definition of the FCRA and FDCPA.
The accounts are listed below : XXXX XXXX XXXX 15 US.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing to express my deep dissatisfaction with the unresolved matter of the credit card collection under the name " Resurgent Receivables, '' which is currently reflecting on my XXXX and XXXX credit reports. This collection pertains to a fraudulent credit card activity that I reported numerous times and for which I have taken appropriate steps to rectify as per consumer laws and guidelines.
My efforts to resolve this matter have so far been met with frustration, as the fraudulent charges and transactions made by my ex-partner on my credit report have unjustly impacted my credit history and financial standing. I have diligently contacted both XXXX and XXXX on multiple occasions, providing them with information to prove that I was a victim of fraud and should not be held accountable for those unauthorized charges.
I have also taken the appropriate measures by filing an FTC report concerning the credit card collection in question. Despite my continued attempts to fix this, I find it extremely disheartening that the negative effects of these fraudulent activities persist on my credit reports, therefore severely affecting my ability to pursue other credit opportunities and financial transactions.
Under the provisions of consumer protection laws, it is my right to have inaccurate and unjustified information removed from my credit reports in a timely manner. I insist that you take immediate action to investigate and address this issue by promptly removing the " resurgent receivables '' credit card collection entry from my credit reports in a timely manner from all credit bureaus, XXXX, XXXX and XXXX. Failure to do so not only contradicts the fundamental principals of consumer protection but also subjects you to potential legal consequences for non-compliance.
I kindly request that you provide written confirmation of the actions taken to rectify this situation within 30 days from the date of this letter. I look forward to swift resolution of this matter and anticipate your timely response.
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| 12/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
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Affidavit of Denial XXXX XXXX XXXX XXXX OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.
2. I suffer no legal XXXX and have personal knowledge of the facts set forth below.
3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
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| 10/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I am writing in regards to an account that was opened up without my knowledge through XXXX XXXX and has been reported to collections to all three credit bureaus. The account was sent to collections on XXXX XXXX, XXXX for the amount of {$490.00} through XXXX XXXX XXXX XXXX and I was unaware of its existence until applying for an auto loan in XXXX of XXXX. Since discovering the account being reported to the credit bureaus, I have contacted XXXX on several occasions trying to get further information but they have been unable to provide me any details beyond the name and address on the account. I was informed that the account in question was opened at a satellite or authorized retailer location and they were unable to access any further details regarding the account, so I have not been provided proof that I had opened an account with XXXX. The address provided for the account is not a location I ever resided but at the time the account was opened, I was living with a friend in the area and believe that someone gained access to my personal information without my knowledge and used it to open the account. I have requested XXXX XXXX remove the account from my name and to send information to the three credit bureaus to completely remove the account from my credit history, but they have refused any action without proof that I did not open the account.
I have disputed with the credit bureaus but all disputes have been denied because the account meets FCRA requirements. This account being reported to collections to my credit is preventing me from purchasing a home and has hindered my ability to gain employment in several financial institutions to which I have applied. I would like this to be reviewed and to ensure that it does not have any future implications. I would like proof of ownership supplied by XXXX as soon as possible and, if it can not be provided, the account be removed from collections and from the XXXX accounts database so I do not have to fear any future collections actions on the account.
|
| 08/11/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
|
I am the owner of a XXXX XXXX ( XXXX XXXX ), and I own all the share, and I am the holder of all the XXXX postions. I took a commercial mortgage out in XXXX with XXXX XXXX XXXX in XXXX, and we renewed every 4 years. In XXXX my credit rating went down, but I never missed mortgage payments to XXXX XXXX, yet I was sometimes late. I paid my original balance from XXXX to XXXX, and we could not reach a deal in XXXX, so XXXX XXXX XXXX sold my note to a company called cach llc. Cach llc then offered me a deal to pay off the note in 36 installments at {$1000.00} per month. I paid the note off in XX/XX/XXXX which was way ahead of schedule. Cach llc went bankrupt and Reusurgent Capital Services out of XXXX, sc ended up with my paid off note, and I think mortgage. I thought I was mortgage clear. I got an offer to buy my building in XX/XX/XXXX, and when the buyers title company contacted me I discovered my XXXX had a mortgage lien. XXXX XXXX informed me that Resurgent Capital had the mortgage and the note. So I am sitting here with a chance to sell my paid off property and I have a mortgage lien which should been released in XXXX. Myself and the lawyer for the title company have called XXXX XXXX and resurgent capital services, and we have been bounced around from one person to the other, and we even sent certified mail giving them a 15 day notice, and letting both companies know the ohio law. Resurgent nevers gives us a contact person, and when we speak to someone they give us a first name, and you never get to talk to that same person when you call. Reurgent claims XXXX XXXX XXXX never assigned the note, and XXXX XXXX said they can not release the mortgage. I do not want to lose my buyer. My loan is under my XXXX XXXX XXXX XXXX. I need your help to tell these people to release my mortgage so I can sell my building. Reurgent agrees I paid off the note, and I can not understand why they are holding my mortgage and note, and XXXX XXXX is not cooperating. My buyers even gave me down payment earnest money.
|
| 04/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I found out from the credit reporting bureaus XXXX, XXXX and XXXX XXXXhat there was a negative account under " LVNV Funding LLC '' under account number XXXX. Resurgent Capital Services/LVNV has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Resurgent/LVNV has failed to provide the information requested. Resurgent/LVNV is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately.Resurgent/LVNV Funding has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Resurgent currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding or Resurgent Capital Services possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Resurgent/LVNV Funding shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
|
| 09/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
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.
|
| 05/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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Dear Consumer Financial Protection Bureau, I am writing to express my deep concern about the ongoing issue of expired debt still showing on my credit report and being harassed by collection companies. I am a responsible individual who has always made timely payments on my debts, but I am being penalized for something that is beyond my control.
As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that negative information must be removed from a consumer 's credit report after 7 years. However, I have noticed that several accounts that are over 7 years old are still showing on my credit report, which is negatively impacting my credit score.
Furthermore, I have repeatedly asked the collection companies to stop their harassing phone calls and letters. Despite my efforts, they continue to harass me. Additionally, I have written to all three credit bureaus 4 times, but I have only received one response indicating that it appears as though I am working with a credit company. This is not the case, and I am unsure how this response is even relevant to my complaint.
This situation is not only frustrating, but it is also unfair. I believe that collection companies should be held accountable for their actions, especially when they are violating the law. I urge the Consumer Financial Protection Bureau to take action against these companies and ensure that they are abiding by the rules set forth by the FCRA. and delete these negative expired items right now.
Account XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX company XXXX XXXX XXXX was sold to. they are harassing me and i don't like it.
XXXX XXXX XXXX XXXXXXXX from XXXX In conclusion, I would appreciate any assistance you can provide in resolving this matter. I look forward to hearing from you soon.
4 credit bureaus letters sent to all 3 bureaus on the dates below and no response at all... reading your website that is not allowed am i reading this correctly?
.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Sincerely, XXXX XXXX
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| 02/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XXXX XXXX, 2018 I sent Resurgent Capital Services a debt validation letter by certified mail asking them to provide me with the following ...
- Agreement with your client that grants you the authority to collect on this alleged debt.
- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
- Any insurance claims been made by any creditor regarding this account.
- Any Judgments obtained by any creditor regarding this account.
- Name and address of alleged creditor.
- Name on file of alleged debtor.
- Alleged account number.
- Address on file for alleged debtor.
- Amount of alleged debt.
- Date this alleged debt became payable.
- Date of original charge off or delinquency.
- Verification that this debt was assigned or sold to collector.
- Complete accounting of alleged debt.
- Commission for debt collector if collection efforts are successful They failed to do so. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Resurgent Capital Services has failed to validate this debt as they have not sent anything to validate the debt, the letter they sent just states they have initiated a review of the account which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly verified because they did not properly validate the debt and I urge you to remove this item before I am forced to take legal action.
|
| 10/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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LVNV Funding, LLC C/O Resurgent Capital Services Ref ID : XXXX Account # XXXX LVNV Funding, LLC C/O XXXX XXXX, XXXX Our account # XXXX Original account # XXXX I sent a dispute request to each of the 3 credit bureaus in XX/XX/2019 for validation of an account discovered on my credit reports, with LVNV Funding, LLC. After receiving a notification from the credit bureaus explaining that the account was validated, I contact the 3 bureaus to find out what evidence was used in the investigation and if I could obtain copies. Each of the bureaus explained that documented evidence was not provided and is not required for the bureau to obtain. I was then referred to the organization reporting the account to the bureaus.
On XX/XX/2019, I mailed a letter to XXXX XXXX, XXXX requesting valid proof that I authorized and/or agreed to the terms and the initiation of this account. I also asked for all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected. This includes an agreement that bears signature of the alleged debtor where he promises to pay the original creditor. I also asked them to state whether or not they have this documentation to provide. ( Doc attached ).
On XX/XX/2019, I received 3 letters from LVNV Funding, LLC. 2 letters came from LVNV Funding - C/O Resurgent Capital Services and the 3rd came from LVNV Funding - C/O XXXX XXXX, XXXX. The first letter from LVNV Funding - C/O Resurgent Capital Services, dated XX/XX/2019, stating they received my request and a review of the inquiry has been initiated ( Doc attached ). The second letter from LVNV Funding - C/O Resurgent Capital Services, also dated XX/XX/2019, stating that they verified the debt and included an account summary which didn't validate that this is my debt ( Doc attached ). The 3rd letter from LVNV Funding - C/O XXXX XXXX, dated XX/XX/2019, stating that the account has been placed with XXXX XXXX XXXX. it also included offers to settle the account.
|
| 04/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To whom it may concern, Im writing this letter to dispute the following accounts : ACCOUNT NUMBER : XXXX Reference ID : XXXX THIS IS XXXX XXXX XXXX!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY at all. this is all me so please don't play games. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report asap. My information was obtained without permissible purpose because I never gave your company written consent to accept information from any creditor, or report information about me to the credit Bureaus but you still accepted my information and reported it to the public. 15 USC 1681a ( 3 ) defines Identity Theft as a fraud committed using the information of another person.Your company is now XXXX and civilly liable of identity theft and I plan to file litigation in this matter. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. I included a Invoice with this letter. Just so you know, there is a {$500.00} late fee for everyday that you are late from this date.
Failure to respond satisfactorily with deletion of the above referenced account and Compensation in the form of a check will result in the above actions being taken against your company ; I will also be seeking litigation and {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g 4. ) Violations of 15 USC 1681a ( 3 ) 5. ) Violations of 15 USC 1681n
|
| 08/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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On XX/XX/XXXX, a Default Judgement was entered against me for a credit card debt. After further research into the credit card debt, I noticed that I was being charged interest on the debt before a judgment was even recorded. The amount of XXXX was written off XXXX of XXXX an affidavit was filed with the court sating there was accrued interest on a charge off account.I have a document from the original creditor stating the last payment on the account was made on XX/XX/XXXX on XX/XX/XXXX I received correspondence from the attorney stating that the amount owed was XXXX with interest and on XX/XX/XXXX, a default judgment was entered for XXXX with additional interest now the total amount that the attorney is seeking is XXXX which a garnishment was sent to my place of employment for that amount. I believe that the collection company and the bank has violated the Fair Debt Protection Act through its practice of retroactively imposing post charge interest on consumers debt I seek to be made whole I tried to go to court and explain this to the judge but because I did not show up to the court within 14 days of the complaint the judge said he couldn't listen to my side of the story I just don't understand how collection companies can get away with adding interest to an account that was charged off the bill of sale from XXXX XXXX XXXX does not have an account number or an amount owed on it. I am asking to be made whole this account has stopped me from purchasing a home it was an embarrassment for a garnishment to be received by my employer the default judgment expired on XXXX XX/XX/XXXX but the attorney never sent over an ex parte order I was never even notified that the judgment was extended for another 10 years never received any documentation on that except for a letter from the attorney to me and my place of employment stating that the judgment is valid with no court papers along with the letter. Please help stop deceptive debt collection inflating charged off debt. Consumers in distress.
|
| 03/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Who : XXXX XXXX XXXX, Assignee of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX.
What : Warrant in Debt obtained in XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$680.00} plus 6 % interest from date of DOJ until paid plus {$59.00} costs. Hearing set for XX/XX/XXXX at XXXX XXXX
Actions : I contacted XXXX XXXX XXXX on XX/XX/XXXX to advise them that I was unable to be present and ask for a continuance and also to advise them that I have never lived in XXXX XXXX and the creditor does not do business in XXXX XXXX, thus I believe jurisdiction to be in question. My request for continuance was considered by the judge and the hearing was rescheduled. I received a Bill of Particulars from the creditor indicating the new trial date was XX/XX/XXXX.
On XX/XX/XXXX, I contacted the creditor to advise them that there should be a change of jurisdiction given that I reside in XXXX XXXX and have never resided in XXXX XXXX. My home is not even near the XXXX XXXX border. During that phone call, I was advised that the trial had actually already taken place - on XX/XX/XXXX - and that the Bill of Particulars was in error. A follow up call from the creditor later that day confirmed that the judgment was granted in XXXX XXXX and the creditor advised that I could seek to have the default judgment vacated. The agent stated that it didn't matter that the Bill of Particulars was in error because they would have gotten the judgment anyway had it been on XX/XX/XXXX as I was notified.
XXXX : There are two problems here. # 1 is the jurisdiction issue. Again, I have never resided in XXXX XXXX. I reside in XXXX XXXX. The creditor does not have a place of business in XXXX XXXX either. # 2 is the incorrect Bill of Particulars. I was given the wrong trial date. The creditor is required by law to notify me in writing of the time and date of the trial. The information was incorrect. Therefore, the creditor did not comply with Virginia law.
|
| 09/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
On XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) state in a letter to me that they would " verify the charges I was disputing and select a final course of action. '' At that time, my balance owing was {$270.00}, with the " amount due balance of {$170.00}. '' XXXX XXXX had taken over as XXXX 's credit card provider, from XXXX on Acct. XXXX. On their XX/XX/XXXX to XX/XX/XXXX statement, I owed {$140.00}. XXXX did not inform me in writing that they were taking over servicing all XXXX accounts and I immediately cancelled my XXXX XXXX card! XXXX XXXX never showed this account as cancelled, continued to charge monthly interest on it, despite my numerous attempts to contact them, both in writing and by phone, until my fake " balance was {$350.00} and had been sold to a company called LVNV Funding of Nevada, whose lies claim I began this account on XXXX XXXX, XXXX. This account has remained on my credit report with the XXXX preposterously unregulated " Reporting Agencies '' to this day, forcing me to miss receiving a loan from XXXX XXXX, a company with whom I had an exceptional relationship, but due to this one payment I do not owe to LVNV Funding, I was forced to get my auto loan at a much higher rate than the " XXXX '' rate XXXX XXXX offered and have been denied credit numerous times since. I am currently XXXX years old, collect Social Security of $ XXXX/month and can ill afford to pay more for basics such as decent transportation AND my good name restored, without relying on expensive Credit Consulting Services.
Please insist that these lying creeps at LVNV Funding ( who also launched a daily collection call campaign against me in XX/XX/XXXX, close this account, as requested in XX/XX/XXXX, before it was " sold '' to phantom collection agencies and took on a new life, all derogatory to me.
Only your organization can help, since this company is expert at contorting the truth, fears no legal measures to cease and desist their fraud and can only ( finally ) be muzzled by you!
Thank you.
|
| 06/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
LVNV Funding LLC representing XXXX XXXX My account with XXXX XXXX was closed and paid off in full more than 10 years ago.
I never paid attention since this account was paid. Then, i saw this company flagging my credit bureau and decided to investigate. It resulted to be XXXX XXXX collection agency that also keeps adding a new date to the credit bureau to make it seem as more current.
I tried to talk to them, I asked them for the original bill from XXXX XXXX, to which they did not provide of course.
This company XXXX XXXX had a lot of problems and complaints for the same reason. They have been reported to XXXX XXXX XXXX for Scam and lots of customers complain to the same issue : they always add extra fees ( not owed ) to customers that have recently closed their account, and when they try to fix this problem, they refuse to answer them and automatically send to this credit collection company to start messing customers credit and in a way scam people to pay the late fees that they never owed in the beginning since their acts were closed before.
I am sending you a copy of my last bill, please note that they kept sending me these bills, even after i attempted to close the account without owing them any money. The fees they are adding there don't belong to me : they added some late fee for the account that was closed without a balance, they try to charge you {$35.00} for the account whether you use it or not ..., in top of that you can see some of them are annual fee and they even claim interest on these late fees that they come up with to take money from you.
Please help me with this, ,this has been going on for years and I am not getting anywhere with these collection agencies who in some instances have tried to put duplicate information on my credit bureau to make it look like a different account. I had the duplicate information removed from the credit bureau.
On my other credit bureaus besides XXXX I am not having any issues.
Thank you very much, XXXX XXXX XXXX
|
| 12/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
LVNV is commiting fraud and asking myself to commit fraud.
Inability to pay According to -- -- -- >>>>> Whereas Article 1 section 8 Clause 1 dictates that, Congress shall ... Pay the Debts ; and, Whereas Article I, Section 8, Clause 5 grants, Congress shall have Powerto coin Money, regulate the Value thereof... and Section 10 sates, no stateshall make any Thing but gold and silver Coin a Tender in Payment of Debts. ; and, Whereas in the United States, legal tender is statutorily defined as all coins and currency issued by the United States Treasury or the Federal Reserve System, including fiat money coins and notes but this definition exceeds Congresss power under the Constitution ; and Whereas existing legal tender law ( 31 U.S.C. 5103 ), first passed in 1862, declares Federal Reserve Notes to be legal tender but, such notes are not legal tender in the constitutional sense, because they are fiat money and bills of credit ( no longer backed by gold since 1933 ), which the Constitution forbids ( Article 1 Section 10 ) ; and, Whereas according to the statutes and rules that govern the Federal Reserve System, bills and other certificates of indebtedness are obligation of the United States ( 18 USC 8 ) and as a non-citizen, non-resident, non-federal reserve agent, non-federal reserve bank Affirmant is not authorized to pay using the Federal Reserve System ( 12 USC 411 ).
Conclusion : The Affirmant, as one of the real men with arms and legs on this land called America, is a collateral creditor ( 15 USC 1692a ( 4 ) ) of the full faith and credit of the United States ( 12 USC 1825 ( d ) ). As such creditor Affirmant is not liable for any obligation of the United States.
QUESTIONS RAISED TO " CREDITOR '' : XXXX ) Who is required to pay debts?
2 ) What species LVNV requiring as payment?
3 ) What legislative authority gave LVNV the legal ability to determine the said payment?
I, XXXX XXXX, living private woman heredo by certify this statement to be true under penalty of perjury.
|
| 01/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/XXXX To whom it XXXX concern : I would like to file a complaint against XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX XXXX
Today I received the attached letter from XXXX XXXX, and what they continue to do to slander my credit should be illegal.
I have had no dealings with XXXX since XXXX of XXXX.
And from that time to present, on a monthly basis, XXXX has continued to request copies of my credit files, as well as continue to report information that is inaccurate so as to destroy my credit rating.
XXXX, and XXXX, I had complained about this issue, because they continued to put false balances owed onto my credit files, as well as, to report false status dates so as to make it seem as though I had, had recent credit activity with them.
I do not owe this fraudulent balance {$1600.00} that XXXX has passed on to this XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services LP XXXX
XXXX Bank ran up that fraudulent balance with their usury fraudulent charges, and fees.
They claim to have charged off an account on XX/XX/XXXX, this is not true.
On my credit files, for at least a year beyond XX/XX/XXXX, XXXX was placing over {$100.00} in charges, and made-up fees onto a balance that they were running up.
Since XXXX to present, my credit files were being dinged twice for duplicate false information.
This treacherous Credit card company would pass on their lies to collection agencies who would report onto my credit files, and XXXX would report the same false information as well.
And now they have passed on information to the above-named entities, who are willing to continue the deceptive practices of XXXX XXXX XXXX XXXX
I have previously complained about XXXX XXXX Bank, who has now rebranded under the name of XXXX XXXX.
In checking the XXXX I have found that they have an ALERT, for XXXX, and they have XXXX complaints since the last XXXX years, and what each and every XXXX of the consumers have complained about, I have experienced it all.
|
| 09/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX IN RESPONSE TO YOUR CFPB COMPLAINT : XXXXXXXX XXXX XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 03/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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My name is XXXX XXXX XXXX, I received my consumer reports and notice that this company LVNV FUNDING LLC is unlawfully reporting a collection account ( account number being XXXX ). I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
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| 12/16/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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Dear CFPB, Hello sir or ma'am, I am asking for your help to investigate the following three companies for illegally and knowingly violating consumer rights, to include illegal debt collection practices, knowingly reporting false information to the CRAs and several other FDCPA and FCRA violations. These are predatory companies and I am asking for your help in resolving not only my situation but ensuring an end to the abuse hundreds of others victims are enduring as well because of these unethical companies.
RESURGENT CAPITAL SERVICES L.P, Located in XXXX SC or XXXX XXXX XXXX XXXX, Located in XXXX SC XXXX XXXX XXXX, Located in XXXX XXXX, NV IM REQUESTING THAT RESURGENT CAPITAL SERVICES / XXXX XXXX PROVIDE ME THE FOLLOWING : THE ORIGINAL CONTRACT THE ASSIGNEE CLAUSE GRANTING THE RIGHT TO RE-ASSIGN DEBT.
NOTARIZED PROOF OF SALE BETWEEN RESURGENT XXXX AND THE ORIGINAL CREDITOR PROVING THEY OWN ANY ACCOUNT IN MY NAME.
RESURGENT/XXXX NEVER MAILED ANY NOTIFICATION OR CONTACTED ME PRIOR TO REPORTING THIS ON MY CREDIT REPORTS. BY LAW A DEBT COLLECTION AGENCY MUST GIVE 30 DAYS WRITTEN NOTICE TO ALLOW ME TO DISPUTE THE DEBT AND REQUEST VALIDATION, WHICH I WAS DENIED PURPOSELY BY RESURGENT XXXX IS BECAUSE THEY KNOW THE INFORMATION IS FALSE AND CANT BE VALIDATED OR VERIFIED.
THE LETTER MENTIONED ABOVE WAS JUST SENT TO ME ON XX/XX/2018, GIVING ME 30 DAYS TO REQUEST VALIDATION OF THIS DEBT. See ENCLOSURE 2. THIS MAKES ZERO SENSE BECAUSE THEY SENT THIS AFTER I SENT THEM THE REQUEST FOR VALIDATION ALREADY ON XX/XX/2018. See ENCLOSURE 3. THIS ATTEMPT TO SEND ME A LETTER STATING I HAVE 30 DAYS TO SEND A REQUEST FOR VALIDATION AFTER I ALREADY SENT YOU THE REQUEST, INDICATES ANOTHER ATTEMPT TO IGNORE MY REQUEST FOR VALIDATION SENT ON XX/XX/XXXX. THIS LETTER SHOULD HAVE BEEN SENT TO ME SEVERAL MONTHS AGO PRIOR TO REPORTING THE DEBT, NOT AFTER I ALREADY SENT THEM A REQUEST TO VALIDATE.
Please help me in resolving these issues, Thank you for your consideration.
Very Respectfully,
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| 03/04/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX/XXXX/XXXX, recieved summons in XXXX Court stating, I owed XXXX dollars plus interest from XXXX XXXX, XXXX, XXXX and XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ XXXX, XXXX and XXXX, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX Bank, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX.
I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from LVNV ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called XXXX and disputed the inaccuarate info. I called XXXX bank and spoke with XXXX who could not find and info at all..
XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from LVNV. I told her I had never heard of them as well as I had contacted XXXX and this was Identity theft.
XXXX contacted XXXX At LVNV he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call XXXX XXXX XXXX, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft.
I sent answer to XXXX XXXX Court ( Date Marh XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to LVNV, XXXX XXXX Bank and XXXX XXXX XXXX enclose ID Theft Affidavit, proof of ID ... ....
Only one I Have heard back from is XXXX XXXX Bank stating I am not responsible for any previous or further balance occured on this account XXXX
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| 06/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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On or about XX/XX/XXXX I received a letter from Resurgent/LVNV Funding telling me that my credit card account balance with XXXX XXXX XXXX had been turned over to them, and they were demanding payment. I called Resurgent/LVNV Funding wanting to know how they got my name and address to start with, since I did not owe anything to XXXX XXXX XXXX XXXX I explained that the XXXX XXXX XXXX card I had, had been reported lost on or about XXXX or early XX/XX/XXXX. I then requested Resurgent/LVNV Funding provide me with all documentation from the original creditor, XXXX XXXX XXXX XXXX showing where all the disputed transactions were made along with the date and that they were incurred by me. They failed to do so and/or refused.
On or about XX/XX/XXXX I received another letter telling me my account had been placed with Resurgent Capital Services and demanding payment. I called and once again explained that the card had been reported lost and that neither XXXX XXXX or Resurgent/LVNV Funding had never provided me with any documentation from the original creditor, XXXX XXXX XXXX , that the disputed charges were even mine and further explaining that I had spoken at length with XXXX XXXX XXXX after I reported the card as being lost and would pay XXXX XXXX XXXX for the charges which I knew I had incurred and in fact I demanded XXXX XXXX XXXX provide me with all documentation showing any and all transactions on the account at the time and XXXX XXXX XXXX failed never responded to my request. Resurgent/LVNV Funding told me they did not have to provide what I requested and informed me I could lose my house or my car if I did not pay them.
I then demanded once again they provide me with proof this was my debt and further demanded they cease all communication with me until such time as they provided me with the documentation I requested. LVNV failed or otherwise to refused to provide the documentation requested, and are currently suing me in court on a basis claim further harassing me.
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| 11/18/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have made several attempts to address a collection reported on my credit report from LVNV FUNDING LLC for {$600.00}. I have sent several certified USPS letters to both the collection company ( LVNV FUNDING LLC & all three credit reporting agencies ). I have made it clear in these letters that the debt doesnt belong to me and that Ive never had a contract with LVNV FUNDING LLC XXXX I have asked for proof of a contract between them and I, however Ive never received any information or proof to validate this alleged debt. XXXX has verified and updated the collection both times I disputed the debt ; both times without showing any proof before the 30 day period for the investigation ended. Furthermore, it has been more than 30 days since Ive sent multiple letters to LVNV FUNDING LLC addressing this issue. The proof of burden to proof the debt as valid was on them and they never responded to either certified letter I sent them within the 30 days of receiving the letters. This collection is being inaccurately reported on my credit score and is therefore negatively affecting my good name. I have addressed this multiple times with the company itself, and the XXXX main credit reporting agencies. Both disputes were made updated and verified without actually showing proof of contract to validate the alleged debt. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that they, the credit reporting agency, report accurate and /or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me.
Id like to also note that LVNV FUNDING LLC does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of XXXX, therefore LVNV FUNDING LLC. attempting to conduct business with me is a violation.
I expect this debt collection to be REMOVED AND DELETED from all three credit reports ( this includes XXXX, XXXX, and XXXX ).
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| 09/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX mail : XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation- reference # XXXX Dear Sir or Madam, I am writing to request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) , 15 U.S.C. 1692g. I recently received a collection notice/communication from your agency dated XXXX XX/XX/2023 regarding an alleged debt in the amount of {$1600.00}. Please note that this is not a refusal to pay, but a request for validation. Pursuant to the FDCPA, I am requesting that you provide me with the following information : 1. The name and address of the original creditor ; 2. The original account number associated with the alleged debt ; 3. The amount of the alleged debt and an itemized breakdown of all fees and interest ; 4. A copy of the original agreement or contract that created the alleged debt ; 5. Proof that your agency is authorized to collect this debt on behalf of the original creditor ; 6. If the original creditor has sold or transferred the debt, a copy of the agreement between the original creditor and your agency grants you the authority to collect the debt.
7. Until I receive proper validation of this debt, I request that you cease all collection efforts, as required under 15 U.S.C. 1692 g ( b ). Additionally, please note that any attempt to report this alleged debt to any credit reporting agency without first providing validation may be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.
Please send the requested information to the address listed above within 30 days of receiving this letter. If you are unable to provide proper validation, I request that you cease collection efforts and remove any negative information related to this account from my credit reports.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX, XXXX.
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| 09/15/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is my second complaint against the following companies.
Resurgent Capital Services L.P. ( " Resurgent '' ) and LVNV Funding LLC ( " LVNV '' ) are in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) 15 U.S.C. 1692f ( 1 ). The company is also engaging in racketeering activity and defamation of character.
1692f ( 1 ) prohibits debt collectors from making any attempts to collect on a debt unless expressed in the original agreement. The credit card statements, credit card agreement, and the chain of custody documents are all general. The company does not possess any account-level documents that would identify me as the debtor. They admitted this in their attached response. Please note that this Account is not specifically referenced in the attached chain of assignment. See Exhibit A CFPB Complaint Response The documents attached to the response do not address the accuracy of the documents. Many debt collectors have purchase agreements from original creditors that admit to their files not being accurate. In order to provide proof of claim you must show account-level documents that identify me as the debtor.
Resurgent and LVNV are attempting to collect an alleged debt in the amount of {$690.00}. There is no contract that gives the company the authority to do this. Therefore they are in violation of the FDCPA, spreading false information about me to third parties and attempting to swindle me out of money. These crimes are held criminally liable under Title 18 with a fine of up to {$500000.00} and 20 years jail time.
To be clear, I am disputing this debt and invoking my right to obtain documentary evidence, in accordance with 15 U.S.C. 44 for the records as described in IRS Publication 583 for Account ending in 8079. In the event that Resurgent and LVNV do not have the documentary evidence I demand they immediately cease collection, XXXX out the account and delete the debt from my consumer report. Failure to comply may result in legal action.
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| 05/21/2017 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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LVNV Funding LLC, continue to file false information on my credit files. The debt listed below, is reporting on my credit files and LVNV Funding LLC will not respond to my requests for validation and verification. I have never had an account with this company and do not have any contractual agreement with them. Name : LVNV FUNDING LLC Acct # : XXXX Credit Limit : {$0.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Past Due : {$880.00} Acct Status : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , SC XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$880.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : {$0.00} Terms Duration : Terms Frequency : Date Opened : XXXX Balance : {$880.00} Date Reported : XX/XX/XXXX Amount Past Due : {$880.00} Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XXXX Months Reviewed : 22 C reditor Classification : Financial Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency : XXXX Comments : Consumer disputes this account information, Collection account, 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/03/2022 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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This complaint is specifically regarding XXXX XXXX contacting me well after a cease and desist notice was received and signed for by their company which violated the request. I also never received any paperwork for XXXX or XXXX and they have never provided me with any document with my wet signature on any of it to prove the debts validity ( a side fact ).
My complaint is that they violated a cease and desist order and I have the proof, I would love for them to speak on how they sent me a piece of mail 12 days after they received and signed for the letter and why the letter was dated for XX/XX/XXXX, a letter I already had in my possession?? Yet I received the letter in mid XX/XX/XXXX. I want only the violation of the cease and desist letter to be entertained in this complaint, no information or smoke screening with the accounts to gloss over and distract from what they blatantly did.
My letter dated XX/XX/XXXX at XXXX Received by them and signed for XX/XX/XXXX To : Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX : CEASE & DESIST CONTACT After multiple attempts and requests to have this company eliminate debts which they have been told are not mine and are outside the statutory collection limits with no resolution, this is my official request in writing to have your company cease and desist all forms of contact with me to include by phone, email, in writing, by fax or any other form of communication from this moment going forward with no ending date and time up to the time of my being deceased. I have referenced the accounts below.
XXXX XXXX XXXX LVNV Funding Capital XXXX XXXX LVNV Funding XXXX XXXX XXXX Acct : Not given Ref : not given XXXX XXXX XXXX XXXX XXXX XXXX ( just found out about this on XX/XX/XXXX from the year XXXX ) This letter covers all debts you have. Consider this my official notice, if I continue to be contacted, I will take legal action for harassment!!!
*** MAILED XXXX RETURN RECEIPT ON XX/XX/XXXX
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| 07/27/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I opened the letter and realized this was a debt collector from yet again another debt collection agency that I just complained and tried to dispute. LVNV Funding has resold my account as if they are the original creditor and they are not. I never gave LVNV FUNDING or XXXX XXXX SERVICES my written instructions to furnish my account at all. 15 U.S.C. 1681 section 604 A Section 2 : states that a creditor can not furnish an account with the consumers written instructions. I am the consumer, and they are the creditor. That should be enough for this debt to be deleted. Also, they sent on XX/XX/XXXX that the debt was indeed valid and have chosen to keep it on my credit report but how is the debt indeed valid if they are not the current owners of the account. This account was resold to XXXX XXXX XXXX, and I received that letter XX/XX/2022. This is another clear violation of both LVNV FUNDING, XXXX AND XXXX because I asked them to delete this account as well. First off, they violated 15 U.S.C. 1681 c. ( a ) ( 5 ). This section states : no consumer reporting agency ( XXXX ) may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This alleged debt is not a record or conviction clearly but yet XXXX has chosen to leave it on my account. Even if the account is closed it should not be on my account because according to that law stated above under the FCRA nothing should be on a consumers report unless I have given written instructions which I have not, it was a judgement, which it was not, or it is the result of a conviction which it is not. It should be deleted. LVNV and XXXX should not be able to furnish my account at all. I did not give them permission and XXXX did not dispute my account accurately when asked.
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| 06/30/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " LVNV Funding LLC " under account number XXXX LVNV Funding LLC has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation. It has also been re-aged as a new collection to further affect my score. They use Multiple companies. I have sent several letters, including notarized formal validation letters seeking this verification and to this date LVNV Funding LLC Corporation has failed to provide the information requested. I have been told I will be called about multiple time and no call backs from the company. I will seek legal action against this company for the practices if the issue is n't resolved immediately LVNV Funding LLC has not provided me with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that LVNV Funding LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding LLC Corporation possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.
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| 10/21/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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There are a number of issues with this company.
1. I have contacted this company a number of times in an attempt to discuss this debt. Each time I call, I am told that I am being represented by a debt consolidation company. Each time over the last three years, I verify my information with the representative THEN we discuss that I am not nor have I ever given any debt consolidation company permission to represent me. Each time the representative states that they will add a note to my file and remove the FAKE cease and desist.
2. I have asked each time I have spoken to a representative to be mailed or emailed details of our correspondence. I HAVE NEVER received any mailings from this company. How can a company place an account on my credit report but not mail me any documentation regarding the account? The last representative told me it would take at most XXXX business days for me receive information in the mail. XXXX days later and I have not received any mailings.
XXXX. This collection account is not associated with any other account on my credit report. Since accounts can not BE OPENED by a consumer with a collection agency then where is this account from? If the original creditor can not or is not reporting to my credit report because of invalid and unverifiable information then the COLLECTION account should be deleted as well.
XXXX. If this company has a valid right to continue to report this account to my credit then WHY are they not required to send any mailings to the address they have on file? Why is this account not available on their online portal? IT just seems as thought they do not want to provide any written documentation but are allowed because they are a huge debt buyer to do whatever they like.
Each time I file a complaint the CFPB allows the company to respond to my complaint WITHOUT valid information or evidence. What other recourse do I have as a consumer if the consumer financial protection bureau would hold company 's accountable?
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| 11/13/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My last few complaints were marked as duplicate. The company failed to answer, they then requested more time and now its been marked as a duplicate complaint. I have yet to get answers as to why Resurgent Capital/LVNV Continued to try and collect on a debt from XXXX and XXXX that was not my debt as I was the victim of identity theft. The XXXX card that they have continued to try and collect on up until this past XX/XX/XXXX was also the very same card that they got a default judgment on in XXXX. This has since been pulled out of the courts in my favor due to identity theft. The amount Resurgent is trying to collect on the very same card is a higher amount. How does one collect on a card that was never mine and then the courts removed it yet you ruined my credit over this card and a XXXX card. And why would you still be trying to collect on these cards when you know very well that these were part of my identity theft? Also the state of California has a statute that you should read up on. Had Resurgent /LVNV done the correct thing my credit would not be a mess today but they refused to report this as an identity theft and continued to try and collect on cards that were not mine and were 20 years old. I would like some answers. I also want to know why it took Resurgent up until this past XXXX XXXX XXXX ) for them to realize a credit card from XXXX and XXXX were fraudulent cards?? I believe that I had been telling them this. Or why were they trying to collect on a card that was kicked out of the court when a default judgment was granted and then removed?? and why is the amount different and much higher than what the courts had down. I mean come on that is quite a few years they have been trying to collect money from me ... on cards that are not mine.They also reported me incorrectly for many, many years which had a profound effect on my credit they ruined it.. I would like them to go back in and fix the mess they created with all three credit reporting bureaus.
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| 02/25/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, 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.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
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| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I disputed 2 entries on my credit report maintained by XXXX Credit Bureau in XX/XX/2023. After their investigation, they concluded the two entries had been verified.
On XX/XX/2023, I sent XXXX Credit Bureau a certified letter requesting they provide me with the description of the procedure used to determine the accuracy and completeness of the information that I had disputed.
I also requested they provide me with the name, address, and telephone number of each person contacted regarding these alleged accounts. I also requested copies of any documents they were provided, bearing my signature, and confirming a legally binding contractual obligation that I am responsible for the two entries on my credit report under dispute.
On XX/XX/2023, XXXX delivered the results of their reinvestigation, claiming that my requests were complete. The final line of their reinvestigation said that an XXXX specialist determined " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''.
First of all, XXXX provided me with none of the information that I requested, including : DID NOT provide me with a description of the procedure used to determine the accuracy and completeness of the information being disputed DID NOT provide me with the name, address, or telephone number of persons contacted regarding this dispute DID NOT provide me copies of any documents, WHATSOEVER, confirming the 2 entries on my credit report they maintain under my social security number Second, for the last line of the reinvestigation to read " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' when these 2 entries are CLEARLY ON MY CREDIT REPORT, have been for some time, and have not been removed by the collection agency OR XXXX.
I can not count the number of violations of the Fair Credit Reporting Act that have taken place here. This is a gross abuse of power, negligent enablement of identity fraud, and defamation, and is causing me great financial harm by these XXXX entries being reported on my credit report.
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| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX, LVNV FUNDING, AND XXXX XXXXXXXX XXXX are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, LVNV FUNDING, AND XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX, LVNV FUNDING, AND XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX, LVNV FUNDING AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX, LVNV FUNDING, AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR.
Previous letters were sent as well with no response.
|
| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I disputed 2 entries on my credit report maintained by XXXX Credit Bureau in XX/XX/2023. After their investigation, they concluded the two entries had been verified.
On XX/XX/2023, I sent XXXX Credit Bureau a certified letter requesting they provide me with the description of the procedure used to determine the accuracy and completeness of the information that I had disputed.
I also requested they provide me with the name, address, and telephone number of each person contacted regarding these alleged accounts. I also requested copies of any documents they were provided, bearing my signature, and confirming a legally binding contractual obligation that I am responsible for the two entries on my credit report under dispute.
On XX/XX/2023, XXXX delivered the results of their reinvestigation, claiming that my requests were complete. The final line of their reinvestigation said that an XXXX specialist determined " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''.
First of all, XXXX provided me with none of the information that I requested, including : DID NOT provide me with a description of the procedure used to determine the accuracy and completeness of the information being disputed DID NOT provide me with the name, address, or telephone number of persons contacted regarding this dispute DID NOT provide me copies of any documents, WHATSOEVER, confirming the 2 entries on my credit report they maintain under my social security number Second, for the last line of the reinvestigation to read " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' when these 2 entries are CLEARLY ON MY CREDIT REPORT, have been for some time, and have not been removed by the collection agency OR XXXX.
I can not count the number of violations of the Fair Credit Reporting Act that have taken place here. This is a gross abuse of power, negligent enablement of identity fraud, and defamation, and is causing me great financial harm by these 2 entries being reported on my credit report.
|
| 09/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I had a judgement against me from XXXX XXXX XXXX, on behalf of XXXX XXXX, who purchased an old debt and took me to court for it. I filed for chapter XXXX bankruptcy and was granted a discharge in XXXX, XXXX. I put my house up for sale in XXXX and found a buyer. during the title search, it was discovered that the judgement remained in place for XXXX and needed to be cleared. I contacted XXXX XXXX XXXX and was told they no longer had the debt and gave me a number to call. I found out that Resurgent Capital Services now serviced this debt and I contacted them to make a payoff arrangement to clear the lien. I spoke to XXXX, who said they would accept a payoff amount of XXXX i agreed and asked that they fax the payoff letter and wiring instructions to XXXX XXXX XXXX Who was the attorney handling the closing. They said it would be 24-48 hours for the letter to be faxed. two days later, I had to call again because he had not received it. I spoke to XXXX XXXX and she said they were behind but would send it asap. XXXX XXXX received it shortly after, but it was n't sufficient, so he faxed them back a request for proof of assignment and wiring instructions. see attached. I called again and spoke to XXXX XXXX and was advised his fax was received and was being reviewed by a manager. I asked her to contact XXXX XXXX as soon as the information was reviewed. He received nothing. I gave permission for him to be given any information so that he could call, but he was not able to get through to anyone. because of the delay, the closing went through but a large portion of my proceeds were held in escrow until this can be settled. I called again last week and spoke to XXXX XXXX yet again, was told that they would not be able to provide the requested proof in writing and when I argued the point, the call was disconnected. I have still received no response from them, either from the bankruptcy department, the compliance officer or customer service, whom I have sent emails to.
|
| 12/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
LVNV FUNDING LLC has also not mailed me any documents for my right to dispute, I am requesting documentation with my handwritten signature verifying that this debt is mine. My account has been flagged for potential identity theft and I do not own a credit card with XXXX XXXX.
They have not sent any written contracts with my wet signature or a full disclosure. This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
In fairness, I am requesting LVNV FUNDING LLC cease collection efforts as I have not agreed nor written any contracts stating I will make any payments to them in regards to this account or I will be compensated XXXX per violation in monetary relief under XXXX5 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I also did not agree for my debt to be sold from XXXX XXXX this is another violation
|
| 09/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I sent a debt validation request on XX/XX/XXXX requesting : - agreement that grants the authority to collect this alleged debt - agreement that bears signature of the alleged debtor wherein agreed by the creditor - proof of legal right to collect this debt - agreement that bears signature of this alleged debt from the original creditor - date this alleged debt became payable - verification this debt was assigned or sold to collector I initially received a 20 % offer from Halsted financial services to settle a debt. A few weeks later I received a letter from another company stating XXXX is no longer. There is XXXX, LVNV Funding, Resurgent Services. I do not know neither of these companies. From my request above, I have received about 10 pages of document with an IP address and my name typed out as a signature. I have not received the original document that I allegedly signed to confirm all above. Anyone can type a full name.
They requested an identify theft affidavit to be notarized, which have been submitted on XX/XX/XXXX. I did not get an update from them. on XX/XX/XXXX, I emailed requesting another updated and was told this was forwarded to the appropriate department.
I called and asked to be transferred to said department in charge but was told that they did not have a phone line. I asked for the name and finally was given the name of the department : dispute team. I asked for their contact information and was told they did not have one.
I am unsure how the dispute team is non existent. I was told I will receive a letter one day stating the outcome of this. This company is not real, they refuse to answer my questions, provide proper documentation although I have submitted the requested documents. They only have 1 department and are committing fraud by refusing to abide by the rules and submit proof of this legal debt. This collection is preventing me from getting a mortgage as it is showing up as a collection on my account.
Please advise.
|
| 07/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have an alleged debt with LVNV Funding LLC. They claim that I had an outstanding debt with XXXX XXXX bank. I dont know if this was a credit card debt or some other kind of debt. I have contacted XXXX XXXX bank and they have no knowledge of any outstanding debt that I owe them. In fact XXXX XXXX bank issued me an unsecured credit card. I am in good standing with XXXX XXXX Bank. I disputed this debt with XXXX and it was deleted from my credit report.on XX/XX/202. ( XXXX report number XXXX ). I have contacted LVNV Funding LLC and requested they provide proof of the debt from the original creditor. I want to see a copy of a loan contract between me and XXXX XXXX Bank or a credit card agreement between me and XXXX XXXX bank. I dont know if the alleged debt was a credit card or a loan. According to what LVNV has on my credit report the alleged debt account was opened in XXXX of XXXX I was living in Florida in XXXX of XXXX. There is no XXXX XXXX Branch bank here in Florida so I could not have taken out a loan with them. I did not have a XXXX XXXX credit card in XXXX of XXXX. I want LVNV to provide proof of this debt between me and XXXX XXXX bank. If they can not provide this proof then I want their trade line removed from XXXX and XXXX. I have a written statement from XXXX XXXX bank that says they have no knowledge of any outstanding debt that I owe them or owed to them. I have consulted legal consul and am advised to exhaust every means available to resolve this issue and to use the courts as a last resort. I have filed a complaint with the XXXX and have yet to receive a response from LVNF Funding LLC. I have also filed a dispute with XXXX and am unable to file one with XXXX because they only allow one open dispute at a time. XXXX has yet to show proof of original debt between me and XXXX XXXX bank yet I have requested said proof. They claim to have proof of the original debt but have presented me with that proof. See attachment XXXX dispute 3.
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Resurgent is acting as a collector for XXXX internet service. This service was terminated after I purchased a {$300.00} router from them and did not recieve adequate service ( internet never worked and they would never come and fix it ).
When purchasing the router, I was told that it would be mine, I would not have to pay the rental fee, but if it were to ever break, I would be responsible for purchasing a new one as it was my owned property. This was over three years ago.
The internet never worked, I paid {$80.00} to have them come fix it, still did not work. I canceled and they tried to hit me with early termination and have me return the equipment that I had purchased. I refuse to continue to pay for internet service that was not being delivered or return equipment that I purchased. XXXX turned me to collections. This debt has been handed down to four different collections because none of them can prove that I actually owe a debt, they just keep sending a fraudulent bill.
I sent the following letter to each collector, including resurgent. : " Previously I had asked for proof of owed debt to XXXX internet provider. You sent me a bill from which they had charged me, however, those charges are fraudulent as the early termination was due to a lack of service on their end. I am lawfully able to refuse payment for services in which I did not receive. Additionally, they had billed me for the nonreturn for lease equipment, however I had already paid the {$300.00} in full for the modem and XXXX XXXX when they were installed.
If you can provide me with a signed copy of a contract stating that I would return the equipment that I had purchased without reimbursement, that would then be sufficient proof.However, a copy of a fraudulent billing statement would not suffice as proof of debt. '' They then told me that I had to prove that I did not owe the debt. I explained to them that the burden of proof was not on me. They continue to send me mail.
|
| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing to file a complaint against XXXX XXXX XXXX XXXX for pursuing collection activities without a permissible purpose as outlined in the Fair Credit Reporting Act. Specifically, I believe that your agency has violated my rights by attempting to collect a debt that is not mine and by continuing to contact me despite my requests for verification of the debt.
As you are aware, under the Fair Credit Reporting Act, collection agencies are only permitted to pursue debt collection activities if they have a permissible purpose, which includes situations where the debt is owed by the consumer or where the consumer has given their explicit permission for the agency to pursue collection. However, in my case, I have repeatedly informed your agency that I do not owe the debt in question and have requested that you provide me with verification of the debt.
Despite my requests, your agency has continued to contact me in an attempt to collect the debt, which is both harassing and a violation of my rights under the Fair Credit Reporting Act. Furthermore, I believe that your agency has also failed to provide me with the required disclosures about my rights under the law, including the right to dispute the debt and the right to request validation of the debt.
In light of these violations, I am requesting that your agency immediately cease all collection activities related to the alleged debt and that you provide me with written confirmation that you have done so. I also request that you provide me with verification of the debt in question, including information about the original creditor, the amount owed, and any other relevant details.
If your agency fails to comply with these requests, I will be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act. I trust that you will take prompt and appropriate action to resolve this matter and ensure that your agency complies with all applicable laws and regulations.
|
| 11/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
LVNV Funding LLC, would see to be buying old debt and then re-dating it years ahead and charging interest well after debt has been delinquent. My account was for {$300.00} line of credit with XXXX XXXX XXXX, it went delinquent with a balance of {$370.00} on XXXX XXXX, XXXX. When LVNV Funding bought my account the delinquency date became XX/XX/XXXX and balance kept increasing to an oddly exact {$900.00} balance now. When i try accessing my account to see the accuracy of the balance and accounting i get a message that reads, - " This account is unavailable to view online at this time. Due to the current status of this account, we are unable to show information at this time. We apologize for that inconvenience. You may want to try again at a later time. '' -Ive tried again and again for months now. Tried contacting the service department where they could access my account and see and tell me the balance, said i could pay over the phone or set up a payment plan by phone. I told them i would like to see my full balance, they could send me an accounting of my balance or allow me to access the account online and i would consider making payment. They said since i had requested they not contact me at an early date, they could not send me paper work without me opting in on my online account. After going around in a circle with clueless phone operators for an hour asking " how can i opt in on my online account if i cant access my online account '' then being transferred to another department where they tell me we cant give you access to your online account until you've made a payment and have an account in standing order then we can reinstate your access to the account. I got fed up and came here. It would seem there has to be something criminal at play here and reading around I am not the only one to experience this type of runaround from this company. you'll find very few people who have had a good seemingly legal interaction with this company.
|
| 09/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have disputed this several times including through CFPB. It appears that the CFPB isn't performing it's duties and obligations in enforcing regulations and consumer complaints. Consumer will continue to complain to other agencies and CFPB until this issue is properly addressed. The referenced account has been removed from other consumer reports but continues to report to my XXXX consumer report. I'm addressing this company again pre lawsuit.
Resurgent/Lvnv Funding company continues to violation of FDCPA, PA, FCRA, ECOA, RICO, CCPA and FTCA CCPA have the right to 2500 or 7500 per violation. 15 USC 1681n, 15 USC 1681b, 15 USC 6801, 15 USC 1681a, 15 USC 1666b, 15 USC 1681e, 12 CFR 1022.3 Please remove this account from consumer report immediately. Per listed violations above, consumer reporting must have my written consent. Per listed violations above, consumer report can not report late payments nor transaction history relating to account. Consumer does not agree nor consent to use of my private consumer report. Please cease and desist all communication activities including communication with me through consumer reporting.
This is a deceptive practice by Resurgent/Lvnv Funding and is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k.
reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported.
I ask that unless Resurgent/Lvnv Funding can provide me original signed contracts with my signature, that you cease and desist. Resurgent/Lvnv Funding is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill.
|
| 09/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have disputed this several times including through CFPB. It appears that the CFPB isn't performing it's duties and obligations in enforcing regulations and consumer complaints. Consumer will continue to complain to other agencies and CFPB until this issue is properly addressed. The referenced account has been removed from other consumer reports but continues to report to my XXXX consumer report. I'm addressing this company again pre lawsuit.
Resurgent/Lvnv Funding company continues to violation of FDCPA, PA, FCRA, ECOA, RICO, CCPA and FTCA CCPA have the right to 2500 or 7500 per violation. 15 USC 1681n, 15 USC 1681b, 15 USC 6801, 15 USC 1681a, 15 USC 1666b, 15 USC 1681e, 12 CFR 1022.3 Please remove this account from consumer report immediately. Per listed violations above, consumer reporting must have my written consent. Per listed violations above, consumer report can not report late payments nor transaction history relating to account. Consumer does not agree nor consent to use of my private consumer report. Please cease and desist all communication activities including communication with me through consumer reporting.
This is a deceptive practice by Resurgent/Lvnv Funding and is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k.
reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported.
I ask that unless Resurgent/Lvnv Funding can provide me original signed contracts with my signature, that you cease and desist. Resurgent/Lvnv Funding is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill.
|
| 07/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, attempting to collect a debt in the amount of {$740.00}. It stated that I had a XXXX XXXXXXXX XXXX credit card with account number ending in XXXX and as of XX/XX/XXXX I owed {$740.00}. I have never had a XXXX XXXX XXXX credit card, so I was alarmed to receive this letter. I called and spoke with a representative who informed me that the credit card was opened in XX/XX/XXXX. The letter listed Reference # XXXX.
I then received a letter from Resurgent Capital Services, Reference ID : XXXX. It stated that in order for them to further investigate my dispute, I needed to provide additional documents. On XX/XX/XXXX, I filed a police report with the XXXX Police Department. Report # XXXX. The Identity Theft Passport number assigned was XXXX and a copy of the report is on file with the XXXX Attorney General 's Office. I faxed a copy of the police report to Resurgent Capital Services on XX/XX/XXXX. I received notice from Resurgent Capital Services that they did not approve my dispute.
On XX/XX/XXXX I faxed a notarized Identity Theft Affidavit, another copy of the police report, identity theft letter and passport, as well as a letter stating that I am disputing the credit card charges because it is not my debt. According to the documents mailed to me by Resurgent, the credit card was opened in California and also used in California. I have never lived in California, and was not traveling in California during the dates the card was used. My credit score has been impacting severely because this debt continues to show as an unpaid balance each month. I have reached out to the XXXX credit bureaus and placed a freeze on my my credit. It has been emotionally taxing to watch my credit score drop from excellent to good to currently fair. I would like to see Resurgent Capital Services acknowledge that I have been the victim of identity theft and remove this debt from my credit report.
|
| 11/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to file a formal complaint concerning a serious matter of inaccurate reporting and potential violations of the Fair Credit Reporting Act ( FCRA ). After conducting a thorough review of my credit report, I discovered multiple collection accounts attributed to a company with which I have never held an account.
To address this issue, I initiated the following actions : Verification Letter : I sent a verification letter to the company, LVNV FUNDING , LLC, through their representative, RESURGENT CAPITAL SERVICES. This letter requested documents bearing my signature to confirm any agreement with the said company.
Request for Back-Up Documentation : In addition to the verification letter, I requested any supporting documentation demonstrating the existence of an account with LVNV FUNDING, LLC. This includes evidence that I granted permission for the company to furnish information to the credit reporting agencies.
Affidavit of Truth and Cease and Desist Letter : I submitted a detailed Affidavit of Truth along with a cease and desist letter, urging the immediate cessation of all calls and collection efforts until proper documentation is provided. XX/XX/ Verification of Licensing : I provided evidence that LVNV FUNDING, LLC is not licensed as a debt collector in the state of Pennsylvania, where I reside, raising concerns about the legitimacy of their actions.
Despite these efforts, both LVNV FUNDING, LLC, and the credit reporting agencies, specifically XXXX and XXXX, continue to report the disputed debt without adequate verification. XXXX removed the accounts upon dispute. This ongoing listing is not only inaccurate but also infringes upon my rights as outlined in the Fair Credit Reporting Act.
Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Details of the Violating Entity : Company : LVNV FUNDING, LLC Representative : RESURGENT CAPITAL SERVICES Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX
|
| 11/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to file a formal complaint concerning a serious matter of inaccurate reporting and potential violations of the Fair Credit Reporting Act ( FCRA ). After conducting a thorough review of my credit report, I discovered multiple collection accounts attributed to a company with which I have never held an account.
To address this issue, I initiated the following actions : Verification Letter : I sent a verification letter to the company, LVNV FUNDING , LLC, through their representative, RESURGENT CAPITAL SERVICES. This letter requested documents bearing my signature to confirm any agreement with the said company.
Request for Back-Up Documentation : In addition to the verification letter, I requested any supporting documentation demonstrating the existence of an account with LVNV FUNDING, LLC. This includes evidence that I granted permission for the company to furnish information to the credit reporting agencies.
Affidavit of Truth and Cease and Desist Letter : I submitted a detailed Affidavit of Truth along with a cease and desist letter, urging the immediate cessation of all calls and collection efforts until proper documentation is provided. XX/XX/2023 Verification of Licensing : I provided evidence that LVNV FUNDING, LLC is not licensed as a debt collector in the state of Pennsylvania, where I reside, raising concerns about the legitimacy of their actions.
Despite these efforts, both LVNV FUNDING, LLC, and the credit reporting agencies, specifically XXXX and XXXX, continue to report the disputed debt without adequate verification. XXXX removed the accounts upon dispute. This ongoing listing is not only inaccurate but also infringes upon my rights as outlined in the Fair Credit Reporting Act.
Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Details of the Violating Entity : Company : LVNV FUNDING, LLC Representative : RESURGENT CAPITAL SERVICES Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I had a XXXX credit card in XXXX and due to lost of income I was unable to make payment. I have attempted to contact XXXX Bank and to request to XXXX monthly payments on a monthly basis. However, I was told that I have to call them monthly to make the payments. I contacted them several times and made payment over the phone, but it was very difficult to contact them, because the calls went to their customer services in XXXX and I felt discourage to give my credit card to third parties. I requested for my call to be transfer to United States, but finally after many arguments the calls were transferred, but it seemed that the bank just want to hold onto my debt. Every time I made a payment I was told that my balance was {$800.00}. The last time I spoke to the customer representative i requested to pay {$500.00} to close the account and I was told that they could not do that at this time. After that came out the Pandemic and I attempted to contact them unsuccessfully, because no one responded the telephone from the bank After my unsuccessful attempts, I received a letter from Resurgent Capital Services ( LVNV Funding LLC, ( XXXX stating that I owe {$1.00}, XXXX. On XX/XX/XXXX ; Reference ID : XXXX I dispute the validation of my debt and the verification letter. The above agency stated they do not have the validation and they keep harassing me on the phone and XXXX keep sending me tons of emails. Now they reported t the credit bureaus. I feel is unfair that I have to pay this account after so long. This amount is incorrect. I sent letter to all three credit bureaus, but are all against me. On XX/XX/XXXX I received a letter from XXXX stating that my account was sold to Resurgent Acquisitions LLC on XX/XX/XXXX. Why did not accept to pay this account previously. I think this is a way to abuse consumers.
I would appreciate tremendously your help in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
|
| 10/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
XX/XX/XXXX, My credit report stated I had an collection from ( XXXX XXXX XXXX sold to LVNV FUNDING ACCOUNT # XXXX listed multiple times on my credit report. on XXXX I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. XX/XX/XXXX, Debtor purchased debt ( violations : proof of debt with wet signature. ) XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX XXXX. Creditor removed collection account from XXXX XXXX XXXX and one time on XXXX only. I requested to be removed on all bureau. creditor sold debt to Debtor and Debtor failed Request. Debtor purchased debt violations : proof of debt with wet signature, XX/XX/XXXXXXXX I Disputed this collection with twice XXXX XXXX Debitor reported the collection account on XX/XX/XXXX with the same account On XXXX XXXX XXXX as of XXXX ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXXXXXX on XXXX as of XXXX XXXX payment status is late 120 days on a collection account XX/XX/XXXXXXXX Debtor has reported the collection to XXXX ON XX/XX/XXXX Debtor has not responded to my request or updated my account on XXXX XXXX XXXX. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately.debtor failed to update the comment section that i disputed this account. debtor and bureau deleted the information on XXXX XXXX XXXX and reported the account as of todays date XX/XX/XXXXXXXX Creditor ( XXXX XXXX XXXX removed from XXXX sold the debt to LVNV and then LVNV reported the collection on my account and did not update in the comment section that an investigation was completed
|
| 07/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX XXXX, na was on XX/XX/XXXX in the amount of {$100.00}. My balance was {$330.00} at the time. On XXXX, the account was closed and charged off with XXXX XXXX XXXX On XX/XX/XXXX, LVNV Funding, LLC acquired the account. I Received Several Emails, and Calls from XXXX XXXX XXXX XXXX XXXX ) and Resurgent Capital Services XXXX XXXX ). I have Disputed the account and requested to verify the correct balance.
LVNV Violated, " The completion of the period of limitation prescribed to bar any action shall defeat and extinguish the right as well as the remedy. '' XXXX XXXX.
The statute of limitation clock starts when the contract is breached. Typically, this means 30 days after the date of the last full payment.
Also, Misleading representation, will XXXX different companies stating that they are collecting debt for LNVN, Funding relating to a charge off account with XXXX XXXX XXXX
Futhermore, On XX/XX/XXXX a summons was issued by LNVNL Funding, LLC XXXX XXXX XXXX XXXX to appear in XXXX XXXX XXXX XXXX regarding the collections debt matter. ( XXXX XXXX. : XXXX ), delclaring that I pay {$780.00}, plus judgement interest at 8 %.
The declaration stated that LVNV Funding, LLC ( Plaintiff ) " Through Counsel '' sent ( Defendant ) a correspondence demanding payment on this account.
I never received Correspondence through counsel demanding payment for the account.
Also, I was never served summons, as there is no proof of summons. I so happen to be walking in my front yard and notice a paper on the ground.
On XX/XX/XXXX, I contact XXXX XXXX group and spoke to a XXXX who identified himself as the vice president of the company. He was rude and wouldn't hear anything I had to say regarding this matter.
I went to the company 's website and saw that that did not have a " XXXX XXXX listed on their website and through Mississippi XXXX of XXXX XXXX XXXX.
|
| 11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX** The CFPB closed my earlier complaint as they felt it was a duplicate complaint. Complaint XXXX should have been sent to creditor and was not a duplicate complaint. The complaint was closed in error.
On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I would know if they received it. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. This validation letter was also returned from the US Post Office with a bad address that could not be forwarded. This means that the company has gone out of business, reporting incorrect contact information on my credit report, or is conducting business under false pretense. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
|
| 02/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I filed a complaint on XX/XX/XXXX with case # XXXX regarding being sued by XXXX XXXX XXXX XXXX XXXX for a credit card debt in the amount of {$9000.00} on XX/XX/XXXX in NY XXXX XXXX First District Court. As of today the debt is {$12000.00} with interest. I have no knowledge of this debt. They are representing Creditor ( s ) : ( P ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I attended a final court hearing on XX/XX/XXXX and explained the judge how they could not provide me any tangible proof regarding any of these requests. Yet, I provided the XXXX XXXX XXXX XXXX response to my complaint the court as well. But XXXX XXXX XXXX lawyer said the judge my written proof is incorrect and XXXX XXXX XXXX XXXX is still the owner of this alleged debt. After 2 months of the court hearing, I received a final decision. " The motion of my request for an order vacation the default and dismissing the action or alternative relief, is denied '' I have to pay {$12000.00} to XXXX XXXX XXXX XXXX even the company responded my complaint on XXXX saying that " This account was referred to the law offices of XXXX XXXX XXXX on XX/XX/XXXX for collections and their office handled the account on our behalf up until the account was sold to a different company on XX/XX/XXXX. Once an account is transferred and sold, XXXX XXXX XXXX XXXX XXXX XXXX no longer has any rights, title or interest in the account. You may contact Resurgent Capital Services, L.P. to discuss the account further. Their contact phone number is XXXX. Their mailing address is XXXX. XXXX XXXX, XXXX, SC XXXX. Should you have any further questions, my name is XXXX XXXX and I am Director of Operations with XXXX XXXX XXXX XXXX XXXX XXXX My contact phone number is XXXX, ext. XXXX. '' I would like to inform you that the Law office of XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are still doing and continuing their unlawful actions. I am ready to accept any help you may offer in this matter.
|
| 02/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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1. I have never had an account with these companies LVNVFUNDG Account number XXXX, REMOVE from all credit reporting agencies that's reporting.
2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You LVNVFUNDG are the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
|
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On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license.
Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. LVNV Funding ( from XXXX XXXX ) and two accounts from XXXX XXXX XXXX. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX.
I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft.
I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, XXXX and XXXX immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, XXXX and XXXX with no success. Im also including a copy of the police report that was filed for the identity theft.
|
| 12/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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LVNV FUNDING LLC is falsely reporting on my credit with a Balance of {$700.00} and Account number XXXX. LVNV FUNDING LLC is a debt collector. They committed identity theft on me. This account is falsely reporting and violating my rights and the fair credit reporting act. Pursuing to 15 U.S. Code 1681d- Disclosure of Investigative Consumer Violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in writing and mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Pursuing to 15 U.S.C 1681 section 602 A. States I have the right to privacy. I request to be provided proof of this alleged debt, specifically the original contract and instrument bearing my signature with LVNV FUNDING LLC. Failure to show results on this alleged debt should be deleted from my credit report as soon as possible. Under federal law, you have 30 days for a reinvestigation. I will also be seeking monetary relief per violation for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Violations of 15 U.S.C 1692g. I further remind you that, as in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. I respectfully request that your office provides me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and XXXX ), this action might constitute fraud under both federal and state laws.
|
| 09/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have filed a complaint against Resurgent/LVNV Funding before over this issue. However, The Original creditor has provided me with all documentation needed and new information has come to light. XXXX XXXX sent me Statements for 3 account. in actuality, It was only two account, but the third account links the first one that is held with Resurgent and the second one that is held with XXXX. ( I included the first 3 pages of each account.
And I do remember now exactly what had happened. I stopped paying the account held with Resurgent over fraudulent charges and XXXX XXXX did not provide any help in resolving the matter, so I had the account closed and told I would still owe the balance, I only had the account opened for about 14 days. I later re-applied with XXXX XXXX, but the only way to do that was to pay the original balance off I had with them, but since the first account was closed they created a 3rd account and initiated a balance transfer from the account XXXX XXXX sold to LVNV Funding LLC. and to the account that was sold to XXXX XXXX XXXX.
If you put the first page of each Statement for all three accounts from oldest to newest. you will see the middle account was used to transferer the balance from the 1st to the second account. The debt Resurgent is attempting to collect on behalf of LVNV Funding is invalid. I understand that XXXX XXXX pulled a fast one on both of us. But you purchased the rights to a debt that never existed and I am in no way legally responsible for that..
I understand that you didn't have knowledge and could not have known. However, now you do know. So I request that LVNV Funding LLC immediately withdraw the debt, cease all collection efforts and remove in its entirety all reporting of this account to all three Credit Bureaus. Knowingly attempting to collect a debt not legally owed is violation of Federal, State and local law. and you are now made aware of the legality over the debt.
|
| 12/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
|
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LVNV FUNDING LLC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you LVNV FUNDING LLC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : LVNV FUNDING LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 02/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I received notice today from my government credit monitoring service that some collection agency had put two collection accounts on my credit bureau today!!! I have NEVER received anything from them in the mail and have no idea who they even are, they are breaking every FDCPA law there is and I want to know who they are so I can possibly take them to court and sue them!! I am an ex federal employee and my information was hacked during the OPM breach. I am also a twice XXXX mother who is insolvent due to the market crash which cost me my jobs over and over while working in the investment industry during the recession too and I am also insolvent so have 0 money, so they are wasting their time trying to " pick another carcus clean ''!!! I want this removed from my credit reports NOW and I want to know who this bunch of crooks is so I can contact an attorney about them breaking the FDCPA, I also used to work as a law clerk so will have no problem getting free legal advise!!! Please address this issue now!! Information from my credit report below on them.
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/ - {$1400.00} Original creditor : XXXX XXXX XXXX A Overview You've paid off 0 % of your collection amount.
Balance {$1400.00} Highest Balance {$1400.00} Opened XX/XX/ ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX SEE AN ERROR?
You could dispute an error with XXXX.
GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/ - {$990.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount.
Balance {$990.00} Highest Balance {$990.00} Opened XX/XX/ ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX SEE AN ERROR?
You could dispute an error with XXXX.
GO TO XXXX Creditor Information XXXX XXXX XXXX
|
| 11/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against LVNV Funding, LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness.
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 08/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
|
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RESURGENT RECEIVABLES LLC HAS BROKE THE LAW!
Pursuant to 15 USC 1681 ( a ) ( 1 ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal, family and household purposes. RESURGENT RECEIVABLES LLC and their inaccurate reporting have damaged my livelihood.
The Congress makes the following findings : 15 U.S. Code 1681 ( a ) The banking system is dependent upon my consumer report being fair, and accurate to me. RESURGENT RECEIVABLES LLC reporting inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, Inaccurate credit reports directly impair the efficiency of the banking system.
CFPB, this is my attempt to OFFER OF SETTLEMENT BEFORE LITIGATION for RESURGENT RECEIVABLES LLC to amicably resolve the continuous violations of the Fair Credit Reporting Act regarding their refusal to stop reporting EXCLUDED items on my consumer credit report.
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. Those alleged transaction that RESURGENT RECEIVABLES LLC are reporting, and failed to investigate, whether or not its factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights.
Pursuant to 15 USC 1681a ( 2 ) ( b ) - Any authorization of a specific extension of credit, of a credit card or similar device should be excluded from my consumer credit report. This alleged transaction that RESURGENT RECEIVABLES LLC clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ).
|
| 09/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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LVNV Funding Acct # XXXX Date opened XX/XX/2016 or XX/XX/2016 ( depends on which credit report bureau ) $ XXXX $ XXXX {$720.00} ( depends on which credit report bureau ) The only reason I found out the accts were on my credit report was the fact I applied for a small business loan due to covid. I was surprised since I don't have a lot of debt.
I immediately pulled all three credit reports to find out why my score was so low. At first, when I disputed the accounts with the bureaus thinking it was my old XXXX XXXX account and a debt collection co. purchased from XXXX XXXX acct. which I knew was too old to be reporting. Well apparently it isn't a XXXX XXXX account. Its some off the wall bank.
I ended up googling the companies and finding out it is actually a bank and a debt collecting company on behalf of that bank.
First of all, I have never heard of that bank and most definitely did not open any bank account. What is strange is I have never been contacted by either companies by any means of communication to ask for payment. I have had the same phone number for 22 years and lived at the same address for 7 years. I have requested information be provided as to when the bank acct was opened, who opened the account and where this took place, any executed agreement reflecting my info and signature, details on the debt like when and what was purchased for either $ XXXX {$720.00} or {$720.00}? and why haven't they contacted me. All three credit bureaus have different information. One states that this company is a factory???? Did I buy something there? If so, please provide actual proof that they have the right XXXX XXXX. This wouldn't be the first time this has happened but usually the bureaus remove it right away since it isn't the correct XXXX XXXX. Please look further into this. After they realize I am not the owner, please have them remove it from the Credit Report Bureaus as this is affecting my loan status.
|
| 01/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
To Whomever This May Concern, I was informed on XX/XX/XXXX by XXXX XXXX that someone tried to open a bank account in my name. The application was thankfully denied and said account closed on XX/XX/XXXX ( a few weeks later ). Not long afterwards on XX/XX/XXXX, I received mail from XXXX saying that someone tried to open a credit card account in my name. When I called both XXXX XXXX and XXXX, they said that these fraudulent attempts were by people in South Carolina. When I got my XXXX credit report, I got a notice saying that an unknown Texas phone number of ( XXXX ) XXXX tried to get an inquiry analysis on XX/XX/XXXX. I also saw an account review inquiry made in my name dating back to XX/XX/XXXX. Most suspicious of all is what I saw on my XXXX credit report. The debt collecting agency LVNV Funding ( also known as Resurgent Capital Services ) made the claim that I owe them {$120.00} on an unpaid XXXX Internet bill. The last report of this was made on XX/XX/XXXX, coincidentally just a few days before I received the alert from XXXX.
A quick XXXX search showed that LVNV is from XXXX, South Carolina, which gives me the reason to believe they are the ones responsible. Scammers from the southern US claiming to be debt collectors have harassed me about this for some time now, and not once have I leaked any personal information to them. Something tells me they have finally gotten a hold of my info somehow and have tried using it for their own use. I am deeply concerned about this and would like to know what I should do next. Thankfully no money was stolen from me, but I am very worried about my credit information being out in the wild, as well as potentially other information ( like my Social Security Number ). I have since gotten XXXX to put a freeze on my credit, and am in the process of getting credit freezes from XXXX and XXXX.
If there are any further steps that need to be taken please let me know. Thank you.
|
| 08/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine.
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( XXXX ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
LVNV FUNDING LLC
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : XXXX XXXX Account- # XXXX Resurgent/ Lvnv Funding- Account # XXXX XXXX XXXX XXXX- Account XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( XXXX ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I send out several reinvestigation letters one XX/XX/2022, XX/XX/2022 and I have heard nothing from any, not even the letter stating they received my dispute or that my credit report was updated.
|
| 09/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020.
A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report.
My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process.
In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation.
I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the XXXX for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the XXXX Loan based on my low credit score.
My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The XXXX will reconsider my loan request if I can get my credit score back up.
I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all.
I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS.
I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood.
Thank you
|
| 07/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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I have received various and multiple collection attempts from LVNV funding originating as a civil complaint filed in the XXXX Municipal Court ( Case XXXX ) on XX/XX/XXXX.
The creditor violated my rights under the Fair Debt Collections Practices Act ( FDCPA ) by failing to send me a notification of debt prior to the civil filing and furthermore failed to comply with a validation of debt request as stated in my Answer and Subsequent Motion to Dismiss filing with the court. The case was dismissed at the request of the attorney representing LVNV Funding, XXXX XXXX XXXX on XX/XX/XXXX.
My request for validation of debt was sent to LVNV Funding XX/XX/XXXX in conjunction with a cease and desist of communications the same day I filed an Answer with the court in accordance with my right under the FDCPA. Verified XXXX delivery on XX/XX/XXXX.
LVNV Funding failed to supply a validation of debt or ask for additional time within the confines of the FDCPA and should have, by law, expunged the debt from all credit bureaus.
On XX/XX/XXXX I received an email from a XXXX XXXX from XXXX attempting to collect on a debt on behalf of LVNV Funding. XXXX XXXX XXXX either sold this account to XXXX XXXX or LVNV Funding may have churned this account to a different agency. In either case I had documented verification that LVNV Funding received my request for a cessation in communications. I consider XXXX 's emails a violation of that request and in violation of my rights under the FDCPA.
On XX/XX/XXXX I sent a similar cease communications request to XXXX. This is the second such request I had made and consider the original failure of validation on LVNV Funding 's behalf to obligate them to expunge this record from all credit bureaus.
Om XX/XX/XXXX I received a letter from Resurgent Capital Solutions attempting to collect on the same account as the previous 2 companies did.
Once more violating my rights under the FDCPA.
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| 08/08/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2023 To whom it may concern I am not satisfied with the company response for the following reasons I had addressed this issue in the past with XXXX XXXX XXXX I have sent notice this certified mailed to the company the company refused by sending letters by denying my negotiable instrument my intention was always to stay in honor when I am aware of this fraud the company still dissatisfied and decided to put the consumer in a stressful position by selling the information to resurgent capital this is a violation my understanding to this violation that there are rules and regulations they need to follow 15 U.S. Code 1666 - Correction of billing errors to my understanding XXXX XXXX XXXX never conducted an investigation neither provided documentations on how they conducted this investigation and instead it proceeded to sell my information to resurgent capital which now is sending threatening letters to the consumer which this is another violation15 U.S. Code 1692d - Harassment or abuse. Resurgent capital is posting negative remarks. on my consumer credit report in a very high balance which I believe is false I am holding accountable XXXX XXXX XXXX XXXX XXXX for damages and for selling my information to research and capital 15 U.S. Code 1692k - Civil liability which XXXX XXXX XXXX never provided the wet signature contract information and the permissible purpose at the time I asked for verification XXXX XXXX XXXX did not have any recent to sell my information neither to collect any money when I was always stay in honor. as a consumer I consider this 18 U.S. Code 894 - Collection of extensions of credit by extortionate means and since resurgent capital does not understand to cease and desist when asked by certified mail this law applies 18 U.S. Code 1341 - Frauds and swindles I was always trying to stay in honor I never deny paying.
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| 08/18/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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In the response from resurgent capital services first and foremost they had their logo and or symbol in pursuant to 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and Then they continued to attempt to collect this alleged debt, in pursuant to 15 usc 1692e ( 2 ) ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
After sending this they then sent a deceptive form that was a case with LVNV FUNDING LLC, the amount its stating on this deceptive misleading court order sates that the estate owed XXXX then resurgent is attempting to collect XXXX, in pursuant to 15 usc 1692e ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
How can resurgent attempt to collect upon something in which they were not present furthermore me the natural living person am not obligated to pay any debt in pursuant to 18 usc 8 the moment I put down my credit card information my 9 digit numbers from their it was credited by the XXXX XXXX XXXX XXXXXXXX.
They have violated many of my consumer rights within the FDCPA using false and misleading means and information to attempt to collect a debt and for the damages in which that have been done and the XXXX this company has caused I am holding them civilly liable in pursuant to 15 usc 1692k I demand {$1000.00} for each company as well as XXXX for the damages. send the remedy to the address below XXXX XXXX XXXX XXXX XXXX arizona [ XXXX ]
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| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. I have sent a total of six previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX, XXXX, and XXXX. These receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary. Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.
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| 04/21/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 LVNV FUNDING LLC PO BOX XXXX XXXX, SC XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Best Regards, XXXX XXXX
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| 12/02/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom It May Concern LVNVFUNDG XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 04/06/2022 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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This is in response to the CFPB your company provided to me ( your response attached ) To whom may concern I contacted the Attorney General of Florida ( attached ) I reported the fraud from your company with the FTC ( attached ) If you default again I will contact the Office of Financial Regulations, file a police report due to Identity theft by your company and File a complaint with the XXXX XXXX XXXX.
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) you proceeded to mail a simple statement which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you need to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified letter. Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident.
You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
I highly doubt that this $ ( XXXX ) debt is worth your agency 's license and the fees and penalties for violations of the FDCPA.
Please be advised the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met.
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| 01/12/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX, XXXX, XXXX XXXX XXXX .... The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after XXXX XXXX, XXXX, XXXX XXXX to notify me about reporting derogatory info. to XXXX XXXX and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, XXXX XXXX, XXXX, XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX, XXXX, XXXX XXXX is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX )
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| 09/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by LVNV Funding LLC. In XXXX of XXXX, I became aware that LVNV had listed a collection regarding a debt that they claim that I owed. I immediately asked them to produce documentation, Specifically the original signed contract, validating this debt in accordance with the FDCPA. They failed to produce that contract or any documentation that would meet the standard of validation set by the FDCPA. They claim to have completed multiple reinvestigations, but they still could not produce those documents. According to the FDCPA, if a collector fails to validate, they must delete the disputed account from the consumers credit report. LVNV Refused to comply with this requirement. For over two and a half years, I have gone back and forth with this company to get them to comply with the law. The account is now so old, it has been time-bared from being collected on in the state of Florida. When I informed them that they no longer have the right to collect on this debt, LVNV Funding expressed their intent to violate state law and continued collection action on this debt. Since LVNV Funding has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to remove this time-barred account. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.
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| 07/16/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2019 - XXXX XXXX XXXX ( XXXX NY ) / LVNV Funding LLC issued a debt collection notice for {$180.00} related to an original creditor of XXXX XXXX XXXX LVNC purchased the so called debt from XXXX XXXX . On XX/XX/2019, I notified XXXX/LVNV that this debt was NOT mine. In fact, the debt collection agency does not even have the correct spelling of my name on their records.
XX/XX/2019 - XXXX XXXX XXXX evidently ignored my first communication that the receivable they purchased was NOT associated with me and that I have no obligations or liabilities regarding XXXX XXXX XXXX inasmuch as I have not transacted any business with XXXX XXXX. My second notification letter was delivered via Certified Mail with return receipt.
XX/XX/2019 - Received another collection notice on the same issue from Resurgent Capital Services ( XXXX MI and XXXX SC ) for the same amount. I sent another notification letter via Certified Mail with return receipt affirming that the person they were seeking was NOT me. They continue to have an incorrect spelling for my name which likely indicates someone has 'high jacked ' my name and spelled it incorrectly in the process.
XX/XX/2019 - Resurgent Capital Services responded with a letter stating that the information supplied was " insufficient '' regarding " identity theft '' as the basis for disavowing that claim. The included an '' Identity Theft Affidavit '' questionnaire for my completion that asked for ALL of my personal information such as DOB, SocSec #, Drivers License #, address, telephone # s. I am uncomfortable providing this sensitive deal information to any one, especially a rouge debt collection agency.
XX/XX/2019 - Resurgent Capital Services issued another letter suggesting that they have received " duplicate correspondence '' on this dispute. The letter also said " we will not continue to respond to duplicative requests without additional information. ''
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| 10/10/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Ok the company LVNV funding I sent them multiple letters stating that they were not allowed to keep collecting on a debt. And they were supposed to cease collection attempts when I sent in those notices.
15 USC 1692 g ( b ) b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
15 USC 1692g ( c ) ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
This company kept trying to collecting in this debt and did not cease collection efforts and still was on my credit report thru the times that the debt was supposed to be getting validated. This is a direct violation of the FCRA and needs to be removed from XXXX and also XXXX.
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| 04/11/2016 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Threatened to take legal action
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Web |
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I received a phone call from XXXX XXXX XXXX this afternoon. They used my maiden name, which has not been my last name for 20 years. The woman identified herself as a debt collector for LVNV funding and gave me the amount of the debt. She said she was calling to see what we could do to clear up the account today. I explained to her that this was a surprise to me and that it must be a very old debt and that I have not received any correpondance about this debt. I asked her to send me a letter detailing the debt and she insisted that I had received notifications at my current address. I informed her that I had just taken care of several debts and that if I was aware of it, I would have contacted them to see what could be done about it. I told her that this debt does not show up on my credit report. At this point she informed me that this debt is a judgement and threatened that if I did not make arrangements within seven days, they would attach my wages. She said that she already had the information of where I was working and how much I was making, and disclosed the information to me. I asked again for her to send me information about the debt and then she began to argue and yell at me saying that she did n't believe that in eleven years I never received any correspondence about the debt. I said I may have, but not recently. She continued to yell so I told her she was being very rude and asked to be transferred to a supervisor. I was put on hold and transferre to XXXX XXXX. I informed him of the situation and he sent me documents and also reiterated that if I did not make arrangements within seven days they would be attaching my wages. What neither of them divulged to me was that they would have to file a claim with the courts in order to attach wages and that I would be given the opportunity to defend myself. I feel that this company used threatening tactics to get me to pay a debt.
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| 11/22/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I started receiving emails from a representative from Resurgent, informing me that I owe {$1100.00} to LVNV Funding LLC and to contact them to pay the amount owed. I checked my credit reports to see what exactly this is for, and I see its 's a charge off for an account I never opened, and they have reported this collection on all bureaus and didn't provide their contact information on the collection account. I googled their information and started sending them letters requesting validation of debt bearing my signature and evidence that I owe them.
I have sent the collection company LVNV Funding LLC XXXX letters requesting them to provide me with proof to validate the debt bearing my signature on : XX/XX/2021, XX/XX/2021 and XX/XX/2021. They have not responded to any of my request, but had their account XXXX : Resurgent Capital Services responded to my first and second request on XX/XX/2021 and XX/XX/2021 by sending me a bill and an Account summary report that they generated as proof. I responded to both LVNV and Resurgent on XX/XX/2021 letting them know that per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute validation, and to provide me with proof to validate the debt bearing my signature.
They have not responded to my last request dated XX/XX/2021, they received the letter certified mail and signed for the letters on : XX/XX/2021 at XXXX. By not replying in a timely manner to my initial letter, they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
My request is since LVNV Funding has now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item from all credit bureaus!
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| 09/06/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I am filing a complaint against XXXX XXXX XXXX. A credit card was opened with XXXX XXXX XXXX on XX/XX/XXXX. The credit limit was {$400.00}. The date of my last payment was XX/XX/XXXX. I encountered financial hardships shortly thereafter and was unable to continue payments. The actual charges I put on this account were below the {$400.00} limit ; however, when this account was closed, only 5 months later, XXXX XXXX XXXX had almost doubled the original balance by adding on predatory fees and penalties inflating the balance such that on the date the account was closed ( XX/XX/XXXX ) the balance was {$700.00}. They then sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX, the original creditor, has already been paid for this debt and as such, XXXX XXXX XXXX has no right to request this debt be paid for a second time. In addition, XXXX XXXX XXXX is now inflating the debt even more, requesting an additional {$280.00}. The current balance they are saying is owed is {$980.00}. This is pure exploitation. Now XXXX XXXX XXXX is attempting to garnish my wages to coerce me and entrap me into paying for these unscrupulous business practices. It has been nearly three years since the original debt. XXXX XXXX XXXX has recouped any loss they might have had through tax write offs and compensation from selling the debt. XXXX XXXX XXXX has no right to collect {$980.00}. I never ventured into any contractual agreements with them and therefore their actions are malicious, nefarious and full of corruption. This is a common tactic used by XXXX XXXX XXXX that has been used against friends of mine and various customers. They must be stopped from using these habitual, corrupt and unethical business practices. XXXX XXXX XXXX has two other related entities that they bounce these debts back and forth among to avoid justice and so they wo n't get caught and to keep the government regulation agencies off balance.
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| 07/08/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear Sir/Madam, I am writing to formally dispute and report an incident of identity theft that has affected my credit file. I recently discovered that there is a fraudulent account listed on my credit report, which is being reported by LVNV Funding. The account details are as follows : Account Number : XXXX Account Type : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$680.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX I have been a victim of identity theft, and I did not open or authorize this account. I hereby request that you launch a thorough investigation into this matter and take the necessary steps to rectify the fraudulent account on my credit report.
I have already taken the following steps to address this issue : I have filed a police report with [ XXXX XXXX XXXX XXXX ] and have attached a copy of the report for your reference.
I have contacted LVNV Funding directly and requested that they close the fraudulent account. However, I have not received any satisfactory response or confirmation of closure.
In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions : Conduct a comprehensive investigation into the fraudulent account and the associated information.
Remove the fraudulent account from my credit report promptly.
Place a fraud alert on my credit file to prevent further unauthorized accounts from being opened in my name.
Provide me with a written confirmation of the investigation and resolution of this matter.
I have attached the following supporting documents for your review : A copy of the police report filed with [ XXXX XXXX XXXX XXXX ].
Any additional supporting evidence related to this incident, including correspondence with LVNV Funding.
Thank you for your prompt attention to this matter. I look forward to your swift resolution of this identity theft issue.
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| 03/08/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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Received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter was to settle a debt that was transferred from Cach or Resurgent LLC. Who I found out after speaking with XXXX XXXX that they transferred the debt back to Resurgent LLC. After I had requested a Debt Validation. My main concerns are they have not ever validated the debt that I request, and upon speaking with them they tell me I need to provide proof of the difference but that is their job as they are collecting on this account. I have never received a break down of how they come with the terms of what I owe. They also do not communicate or update me with anything in regards to this account. Not until I spoke with a collection representative named XXXX today XX/XX/XXXX at approximately XXXX that my account had a cease and desist which I did not put on the account. In addition to the debt validation and balance dispute ; When Cach first took over this account in XX/XX/XXXX they never sent me any correspondence informing me this was an attempt to collect a debt or that it was in collections. I had a personal loan with XXXX or XXXX XXXX and when it had fallen behind I was under the impression I was with an in house Collection or team who would help me get the account in current status and not until I missed a payment is when all of a suddent this collection is on my credit and they demand the full payment or an unaffordable monthly payment. The whole relationship with this collection agency has been falsely represented and unfair from the start and they need to be fined or looked into on their practices. Furthermore, if this is a business who wants to settle or collect on a debt they would have realistic payments and at this point I am being yo-yoed and played with over a debt that could be paid for and settled. I don't know who to work with or make payments to when I do try to agree to some sort of terms.
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| 03/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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This started sometime last year with a phone call and leaving voice mal messages for me to call them back regarding this debt. Then it escalated to sending out a letter asking me to acknowledge the debt. I called the company on Wednesday, XX/XX/XXXX and spoke to a representative and told them I do NOT know about this account and I will NOT back a debt that I wasn't familiar with and very very old. The rep had no clue on how to address the matter. They tell you to call, write or email them about the debt. When I called the rep wasn't helpful at all. I told her that I wouldn't pay and that we can go the court. I also went on to explain that I would send something in writing regarding this debt and that's exactly what I did about 2 and half weeks ago. I sent them a letter telling explaining that I wasn't responsible for this account and that I would not own the debt. I also once again, told them that I would like to go to court and handle this matter but until then, I would not pay a cent. I received another letter on Wednesday, XX/XX/XXXX regarding the same matter, after I sent a letter. I did not open a checking account, savings account or credit card with this company back in XXXX. I will not be responsible for this debt and would like to proceed legally if I have to. The first letter I received from them did threaten to take actions on my funds it I didn't pay or could ruin my credit. I'm sick and tired of having to make weekly or monthly claims to CFPB or FTC. It's f*ing with my mental health and it's highly stressing me out. Especially when I 1000 % am sure that this is not something I took part in. I don't have no idea what this company is and what is pertains to. Is it a bank for checking/savings? Is it a credit card company? Is it both? They will not share this information with me and I even asked them to. Either they see me in court or leave me the XXXX a lone!
|
| 04/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Upon recently contacting Pinnacle LLC in XX/XX/XXXX to resolve a debt from XX/XX/XXXX, my XXXX, XXXX, was given incorrect and misleading information by the employees that took her payment and information that day. This is her statement : " I called the company, expressed a desire to inquire about a settlement amount, and was told I was being connected to the department that handles account payoffs/resolutions. I was told by whomever answered the phone when transferred, by Pinnacle LLC, that it would be removed from our credit report, and that support of that would be sent via the mail and email.
When nothing arrived, and the debt remained, ( though it is being reported as paid via settlement arrangement ) I contacted Pinnacle LLC on XX/XX/XXXX, and was informed that it was not their company that made that promise, or financial arrangement, but rather a company called " XXXX '' and that the information is slated to remain on our credit report until XX/XX/XXXX. I also was told, no less than 5 times, a phrase that was not mentioned at all when I contacted XXXX in XX/XX/XXXX to resolve the debt ... that their company " does not have a pay to delete program '' I informed the supervisor that I spoke to on XX/XX/XXXX that I found it odd that phrase was not said once when I 'd called before, and that it was almost comical that it was being said repeatedly, and that obviously that is a problem they are used to arguing with clients who trying to resolve their credit reports.
To reiterate when I called to pay off this debt, at no time was I aware, nor did that person disclose, that I was being connected to another company, called " XXXX '' - a company which is not listed on our credit report, and one that Pinnacle does not have the right or legal authorization to allow them to handle payment of our funds, nor, as far as we can tell, who has permission to collect on that debt.
|
| 12/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
For the last year or so, Resurgent Capital, working on behalf of LVNV Funding LLC, has been trying to collect a debt that doesnt belong to me. They have called many times, and also I have received letters from the law firm of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX threatening me with a court case if I dont pay the amount their client is requesting.
Here is what I have done so far : Wrote to LVNV asking them to cease and desist calling and threatening me because the debt they are collecting doesnt belong to me.
Wrote to XXXX, XXXX, XXXX XXXX XXXX also asking to desist threatening me with court action if I dont pay the amount their client is trying to collect.
In each letter, I explain why the debt doesnt belong to me.
I didnt receive an answer from either of these individuals, and the calls and threatening letters continue.
I call customer service at Resurgent Capital and spoke with one of their agents who agreed that the last 4 digits of my social security ( XXXX ) do not coincide with the debtor social security, but that could do nothing about the situation, he suggested that I change my address thus stop receiving the threatening letter, and he promises to remove my telephone number from their list. During the conversation, the implication was that was better for me to pay this amount than to contract a lawyer to defend the case when it goes to court. He maXXXX be right, but this cant be legal.
Again the last four numbers of my social security are XXXX I have never resided at the address they are listing for the debt. I have been residing at my current address since XXXX. And before that date, I was a resident of XXXX, NJ I have never had any business with XXXX XXXX.
My current XXXX score is XXXX ( see attached file ) Please help stop all these individuals from keep bothering me by collecting an amount that I dont owe.
Thank you for your help.
XXXX XXXX XXXX
|
| 02/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account Number - XXXX I sent two certified pay in full letters XX/XX/XXXX and XX/XX/XXXX and a recorded conversation XX/XX/XXXX. Resurgent Capital Services still refuse to work with me on a fair % of the debt for this account. Just to omit this debt on an account I NEVER opened up I am willing to pay a portion of the debt, but Resurgent Capital Services will not work with me on a fair % for a debt on an account I never used or opened up.
Abbreviated Correspondence List Below : a ) Four CFPB complaints ( ignored ) b ) Two FTC dispute letters ( ignored ) c ) Two validation letters ( ignored ) d ) Received 17 unreliable and incomplete reply letters from XXXX XXXX and misc. companies.
e ) I sent several dispute letters to all three credit bureaus which ( successfully removed all debt from the credit agencies ) f ) I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount Resurgent tried to demand me to pay. There seems to be no working with Resurgent Capital Services for a fraudulently opened account for removal on a fair amount.
g ) XXXX XXXX can not provide me with the original contract between the original creditor and me that I did not fill out or ask for.
h ) The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed to you, but it had increased due to interest and charges. A {$120.00} payment with the conditions above via money order is above and beyond an acceptable amount for an account that was never opened by me, not seen by me until my credit report in XXXX, and never used by me. Work with me, and you will never see another complaint or letter from me again.
i ) Two certified pay in full letters Resurgent Capital and one to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ( ignored ) j ) Reply letter XXXX XXXX this letter said nothing and was incredibly stupid regarding nothing about the account again.
|
| 03/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Re : XXXX XXXX XXXX, LVNV Funding LLC .
Amt : {$710.00} Reason : Unable to verify charges, identify location of debt, pay debt with reasonable effort.
I am disputing the charges for this account, as I am unable to reach anyone to question or resolve this collection account. Without reasonable explanation or proof that this debt is correct, I should not be held responsible for this. I am not sure that this is an account that I opened. I am currently paying off all outstanding debts which were accrued while unemployed.
My credit report shows XXXX XXXX XXXX as a negative account, with a total of XXXX for the charges. I did open an account with them, however, the credit limit was {$400.00}. I tried contacting the phone number listed by XXXX, which is XXXX, to resolve this issue. I spoke with XXXX at XXXX XXXX XXXX, which informed me that she would transfer the call to XXXX to resolve the account. She did not have any information for me.
Over the past several weeks, I have tried contacting XXXX, only to be placed on hold for several minutes by an automated machine, which would finally disconnect the call. I have not been able to speak with a live representative what so ever.
I tried to take this further by contacting XXXX XXXX XXXX collections department at XXXX, but without an account number, I can not speak with anyone. I 've sent letters to XXXX XXXX XXXX with no response.
XXXX listed a company by the title LVNV Funding LLC as the collection agency. When I tried contacting this company, they proceeded to tell me that I owe money for XXXX accounts, XXXX of which is a fraud account created in 2005. I do not believe that this company is creditable. As a result, I believe that this is a fraud account and should not be responsible for this.
I am asking that this account be removed from my credit report as I can not reach or resolve this issue with reasonable effort.
|
| 10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
Older American |
|
An account was fraudulently opened using my first name, a different last name ( XXXX ) and my Social Security number with XXXX XXXX Bank in XXXX. The address on the account was in Indiana. I live in California. The account was originally sent to collections with XXXX XXXX XXXX. They filed a claim with the XXXX XXXX XXXX XXXX in Indiana. I never received notification of the debt or court case.
Since I was not properly served or notified, and was not able to dispute the debt, a judgement was placed against me, and my wages were garnished. Once I received notification of the garnishment, I disputed the account with XXXX XXXX. They stopped the garnishment process.
In XXXX of XXXX, I was notified by my employer that my wages were to be garnished again for this same debt. I contacted the current collection agency, LVNV Funding and the attorney from XXXX and XXXX to notify them the account was fraudulent. The funds that were garnished in XXXX have been refunded and paid back via my payroll check. At the request of LVNV Funding, I sent a copy of a police report that was filed, along with a fraud affidavit to their office to have the debt be recognized as identity theft. This request was denied by LVNV because there were payments on the account, and there was a court order for the garnishment.
1. The payments made on the account where the result of the garnishment. I did not willingly make a payment and have never accepted responsibility for the debt.
2. The judgment was made by the court because I was not properly served and did not have the opportunity to present any evidence that the debt was not mine 3. The name on the account does not belong to me. I have never gone by the name of XXXX XXXX.
4. I have never lived at the address on the fraudulent account.
5. Documents supporting these claims have been sent to XXXX as the account administrator for LVNV Funding.
|
| 12/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
For the last year or so, Resurgent Capital, working on behalf of LVNV Funding LLC, has been trying to collect a debt that doesnt belong to me. They have called many times, and also I have received letters from the law firm of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX threatening me with a court case if I dont pay the amount their client is requesting.
Here is what I have done so far : Wrote to LVNV asking them to cease and desist calling and threatening me because the debt they are collecting doesnt belong to me.
Wrote to XXXX, XXXX, XXXX XXXX XXXX also asking to desist threatening me with court action if I dont pay the amount their client is trying to collect.
In each letter, I explain why the debt doesnt belong to me.
I didnt receive an answer from either of these individuals, and the calls and threatening letters continue.
I call customer service at Resurgent Capital and spoke with one of their agents who agreed that the last 4 digits of my social security ( XXXX ) do not coincide with the debtor social security, but that could do nothing about the situation, he suggested that I change my address thus stop receiving the threatening letter, and he promises to remove my telephone number from their list. During the conversation, the implication was that was better for me to pay this amount than to contract a lawyer to defend the case when it goes to court. He may be right, but this cant be legal.
Again the last four numbers of my social security are XXXX I have never resided at the address they are listing for the debt. I have been residing at my current address since 1997. And before that date, I was a resident of XXXX, NJ I have never had any business with XXXX XXXX.
My current XXXX score is XXXX ( see attached file ) Please help stop all these individuals from keep bothering me by collecting an amount that I dont owe.
Thank you for your help.
XXXX XXXX XXXX
|
| 09/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
LVNV Funding LLC for Violating my Rights and Illegitimate Debt Collection LVNV Funding LLC regarding their unlawful debt collection practices and their disregard for my rights as a consumer.
Recently, I became aware of a debt that LVNV Funding LLC claims I owe, but I firmly believe this debt is a result of identity theft. I have taken all necessary steps to rectify the situation, including reporting the identity theft to the proper authorities and placing fraud alerts on my credit reports.
Despite my efforts to resolve this issue, LVNV Funding LLC continues to aggressively pursue the collection of this debt without providing any substantial evidence or documentation to support their claims. Furthermore, they have not acknowledged the possibility of identity theft or taken any steps to investigate the matter independently.
I would like to bring to your attention the following violations of my rights : XXXX. Violation of My Right to Verification : According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt within 30 days of receiving their initial notice. However, LVNV Funding LLC has not provided any valid supporting documentation verifying this debt despite multiple requests.
XXXX. Ignoring the Dispute Process : The FDCPA also grants me the right to dispute the debt in question, and it is the responsibility of LVNV Funding LLC to investigate and respond to my dispute. However, they have blatantly disregarded this process and continued their relentless collection efforts.
XXXX. Pursuing an Illegitimate Debt : As mentioned earlier, I have strong reason to believe that this debt is the result of identity theft. LVNV Funding LLC has failed to conduct a thorough investigation into the legitimacy of the debt, which is a direct violation of the provisions laid out by the Fair Credit Reporting Act ( FCRA ).
|
| 12/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
first was XXXX XXXX XXXX i owed money to and was put in collections by then i made several hundred dollar payments on time got caught up then started receiving phone calls non stop about XXXX calls a day from them harassing me when i was XXXX day late on my next payment even when i was all caught up on past due owed. i got in financial hardship due to covid and told them but they still call all day over XXXX calls day harassing me even XXXX day late. lvnv funding took over acct and put me in collections for original amount owed and did not give me credit for all payments i made i notified them every couple weeks for mons they didn't have accurate info to get correct info they have me in collections for hundreds more then i owe i told them contact XXXX XXXX to get my payments i made update my credit report they didn't they transferred to true accord who then i emailed for months trying to tell them the issue they didn't care but they tried to settle the said for 60 percent of what they said i owed which was not the correct amount the amount they tried to settle for was more then correct amount i really owe i send true accord my proof bank statements that i paid asked them to update what i owe with proof i had then XXXX days later i asked true accord to now settle with new info i gave them wasczold they transferred acct back to lvnv funding as they didn't wants to be involved collecting on a debt that's fraud and not truly what i owe the have me in collections for hundreds more then what i owe i have sent proof i have been emailing them for months now for them to fix it yet lvnv refuses to put the correct amount i owe or do anything to help me fix the situation i admit i owe a couple hundred but the are charging me for the original amount i owed before all the payments i made and i can not get any help and im trying to fix my credit so i can get a place to live
|
| 10/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
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
|
| 03/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
LVNV funding/Resurgent 3rd party collection agency never contacted me. I found out through checking my own credit report they posted to all three bureaus regarding a " bill '' showing I owed {$960.00} and it is in collection status. I disputed with this company as well as all 3 credit bureaus with negative results. I re disputed with the credit bureaus and now they ignore my disputes closing them within 12 hours. LVNV/Resurgent placed fake payments on this account on my credit report which I never made. They also never reported any information such as the " date of last payment '' plus many more empty spots on this acct. When I tried to validate this collection with LVNV/Resurgent they did not contact me on all occasions even when I had mailed through return receipt requested. They noted that I " opened '' this account XX/XX/2020. This is simply not true. I am on the verge of taking them to court. They never sent me anything and yet they file inaccurate and incorrect information on my credit report. Isn't this illegal? I was also advised by my attorney that the 'date of last payment '' as well as all the account details should be on the report legally and if it is not, this account must be deleted. They continue to ruin my credit reputation, re ageing this account and deceive the credit bureaus. I am sure they have done this to other people as well. Their practices are so dishonest. They could never validate this debt or tell me any information about it. They also refused to contact me after numerous letters and phone calls which I know they received because I certified the mail. They also go by several different names and I have contacted all of them. They need to stop these illegal practices. If this is true information then please validate with accurate names dates etc...
Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
|
| 02/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
On XX/XX/XXXX I received a first credit card bill from XXXX XXXXXXXX XXXX ( of XXXX XXXX NV for {$2400.00} ( later this mysteriously became {$2500.00} ). I NEVER OPENED AN ACCOUNT WITH XXXX XXXXXXXX. I had been notified by XXXX that the account had been opened & I disputed having done so & requested it be blocked. XXXX shortly posted the account as " closed '' after I'd written to XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. NB : The XXXX XXXX bill had been sent to the wrong address ( repeatedly?, yet delivered by a mailman who knows me ) and the acct. # seems peculiar ( XXXX numbers instead of XXXX etc. I've never seen a list of transactions. ) XXXX XXXX then contacted me to say the account had been " resolved '' and it continued to appear on XXXX throughout XXXX as " closed. '' I corrected the address with XXXX XXXXXXXX but they recently informed me ( via still incorrect address ) " my account '' ( fraudulent ) had been sold to PYOD, LLC in XXXX NC, which appeared on my XXXX XXXX account under " For Collection. '' Then I heard recently from a collection agency called XXXX XXXX XXXX ( XXXX IL ) they were collecting for aforesaid PYOD LLC. Note : I never opened an account with XXXX XXXXXXXX ; I have never heard from PYOD LLC directly, and have contacted XXXX with no reply ( XX/XX/XXXX ). I have filed reports with the FTC and XXXX Police, placed credit freezes and alerts with the 3 credit rating companies. I have searched and found that my name & email were breached & appear with Gravatar ( XX/XX/XXXX ), XXXX ( XXXX XXXX ), & Share This ( XX/XX/XXXX ). BOTTOMLINE : XXXX XXXX XXXX if now trying to collect for PYOD LLC for {$2500.00} on a fraudulent account I never opened. HELP! Someone fraudulently opened an account with XXXX XXXX in my name ( Where's the application to open this account? Must've been online : wrong address, 15 numbers in a peculiar arrangement ).
|
| 09/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I contacted XXXX XXXX XXXX regarding a debt that appeared on my credit reports. I sent a letter on XX/XX/2018 ( certified mail ) requesting validation of the debt with a contract bearing my signature. Resurgent Capital Services sent me 2 letters dated XX/XX/2018. One letter states the original creditor was XXXX XXXX with a balance of {$950.00} and the second letter states the original creditor was XXXX XXXX XXXX with a balance of {$940.00}. They did not send any of the information requested such as the contract from original creditors or the requested information proving they are now the owners of the debt.
My second attempt at contacting XXXX XXXX XXXX was on XX/XX/2018, I sent two more certified letters. Again, I requested debt validation. XXXX XXXX ( XXXX XXXX ) sent a response on XX/XX/2018, well after the 30-day time limit for disputes, but there was still no contract as I requested to validate the debt. They submitted a billing statement. XXXX XXXX ( XXXX XXXX ) sent a response on XX/XX/2018, and they did not submit the contract as I requested but a billing statement.
( Please note I was on military orders from XX/XX/2018 - XX/XX/2018 and was unable to respond promptly to their non-compliance in a timely matter. ) My third attempt at contacting XXXX XXXX XXXX was on XX/XX/2018. Again, I requested a copy of the contract for purposes of debt validation. XXXX XXXX ( XXXX XXXX ) sent met the same letter dated XX/XX/2018 again, with no contract of debt validation. I have yet to hear from XXXX XXXX regarding XXXX XXXX.
I will update you if I receive any other communication before XX/XX/2018 which would be within their 30-day opportunity to correspond me. However, I believe they are already in non-compliance with the Fair Debt Collections Practice Act and the Fair Reporting Act because they have failed to provide the debt validation twice already.
|
| 04/14/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
I am a victim of predatory practices from LVNV LLC. The company sued me where I did not live and used lawyers to harass me. These lawyers have access to my personal credit report, my number, my residence and my employment. The company sued me and obtained a judgment against me. They obtained a wage garnishment and are garnishing {$1800.00}. They used XXXX lawyers and XXXX to represent them. I never lived in XXXX located in XXXX, CA, when they served for civil court. This was done about 4 years ago. In addition, recently I went to court on XX/XX/2017 to request claim of exemption. In court I informed civil judge XXXX about the wrongful of serving and that a wage garnishment will great a financial hardship. I have concerns about the way my rights were violated from XXXX, attorneys XXXX, XXXX and LVNV Funding LLC.The judge denied my request of exemption. These are the reasons and concerns about this matter ; my credit report currently does not show a collection reporting from that debt, 5 years ago my credit report did not show a collection reporting from that company, currently my fico score shows good standing, LVNC Funding LLC is a collection agency and a third party, different attorneys are representing this company, the attorneys have violated my rights, the judge violated my rights and I am a victim of discrimination. In court I did n't have a lawyer to represent me, and the judge allowed XXXX to humiliate me. XXXX stated, it was my fault and I asked for this, family comes second, my other financial obligations comes second and requested above the 25 % wage garnishment. In my opinion this is unlawful to harass me in such a way. Furthermore, I pleaded less than $ 80 monthly levied garnishment and that I could n't afford a wage garnishment above 25 %. Last, I felt violated at the end of the court hearing. A judge or lawyer should not be above the law.
|
| 11/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Reviewed my credit report and lvnv is on there in XX/XX/XXXX I sent a dispute letter reporting this alleged debt. No response! I asked them to validate the debt and send me a contract that I have with them I never received anything. The nerve and audacity for them to add this to my credit report In addition they have not validated these accounts and theyre furnish inaccurate Reports this is a violation FRCA. XXXX is reporting incompleteness on the entire account. Account typos XXXX doesnt report anything while XXXX and XXXX reports its and open account. Funny how XXXX payment status says charge offf so how is this a charge off and open account? XXXX says its late 120 days. Account details for all bureaus are different. Balance is XXXX how do have a balance if the account is charged off. Number of months terms are different past due balance there should be no balance if its charges off right? Exactly.last reported date all are different XXXX has incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Comments are all different. Date last active all differ XXXX incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Last payment all differ XXXX incompleteness XXXX incompleteness and XXXX has XX/XX/XXXX.
Second LVNV XXXX reports incompleteness for entire report. Account type all differ each bureau. Balance it should be be a balance of its charged off. Number of months terms differ past due there should not be a past due balance if the account is charged off past due differ all three bureaus. Payment status all differ one Im completeness on charge off the other late 120 days. Last reported incompleteness experience XX/XX/XXXX equifax XX/XX/XXXX. Comments all furnished different date last active all differ. Date of last payment all differ. Account history incompleteness ( all differ ) Lvnv have furnished inaccurate information!!!!!
|
| 12/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Prior to XX/XX/XXXX I had never heard of XXXX XXXX. I never had any communication from XXXX XXXX. I certainly had never signed anything with or from XXXX XXXX.
I have no knowledge of any alleged account with XXXX XXXX. Period.
1. XX/XX/XXXX - I received a dunning letter from XXXX XXXX, XXXX.
2. XX/XX/XXXX - I responded to the above letter with a dispute/please validate letter to XXXX XXXX, XXXX and included a copy of their dunning letter.
I received no response.
3. XX/XX/XXXX - I sent a dispute/please validate letter directly to XXXX.
I received no response.
4. XX/XX/XXXX - I noticed a new collection account on my credit reports. It was XXXX XXXX reporting as a New Account Original Creditor XXXX ( remark : at least 120 days or more past due ) on my XXXX credit report, New Account XXXX XXXX XXXX ( no remark ) on my XXXX credit report and Collections Account XXXX XXXX XXXXXXXX on my XXXX credit report.
XXXX had also been using the title XXXX XXXX to describe themselves on my credit reports.
5. XX/XX/XXXX - I again sent XXXX XXXX a dispute/please validate letter. I also informed them that I noticed them on my credit reports and described their reporting.
Again, I received no response.
6. XX/XX/XXXX I disputed the XXXX XXXX accounts directly with XXXX, XXXX and XXXX using XXXX XXXX direct dispute function and the credit bureaus online dispute functions.
7. XX/XX/XXXX I received an alert from XXXX XXXX. I signed into my XXXX XXXX account and noticed XXXX XXXX had inserted new collection reporting on my XXXX credit report which dropped my credit score 56 points ( according to XXXX XXXX ).
8. While I am waiting for the credit bureaus to investigate number 7, I have ordered hard copies of my credit reports to see what is being reported to the credit bureaus by XXXX XXXX that dropped my XXXX score by such an enormous amount.
|
| 10/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American, Servicemember |
|
i had an account with synchrony bank on XXXX. it was opened in XXXX i made my pyments on time for purchases, until XXXX began trying to overcharge me on some items. attempts to correct the issue with XXXX accounting were unsuccessful in XXXX when this occurred. after months of back and forth nothing was resolved. in XX/XX/XXXX, i suffered a XXXX. i was unable to continue fighting with XXXX. in XXXX, when i recovered enough to get back on track, XXXX told me the account was closed and XXXX. i heard nothing from XXXX XXXX about this matter either. no attempts to collect. in XX/XX/XXXX i received a letter from LVNV collection agency. i conveyed this series of events to them. they ignored my attempts to correct this issue. snce it had been over 5 years since the account was opened it was no longer a valid dect per pennsylvania law statute of limitations. i was ignored again. then received notice of a magistrate hearing in XXXX XXXX i have a XXXX XXXX on the phone and was unaware that i needed to respond other than show up at the XXXX, which i did. the representatives of LVNV funding did not show up. i was told because i did not inform the magistrate i would be there. it was rescheduled for a month later, but i was unable to attend. then i received a letter in XX/XX/XXXX stating that LVNV funding went to common pleas court and got a judgement against me. i had no idea there was any court scheduled, no one informed me. i again attempted to inform LVNV funding i am on social security and have no assets and my income is protected. never the less they have put this negative claim on my credit report. as i stated, they ignored all communications from me. my income is solely from social security and i am a handicapped senior citizen. i would like this removed since it was invalid to begin with having gone beyond the statute of limitations of 4 years.
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681.
I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership Due to this inaccurate accounts my life as been impossible with trying to get a home and vehicle and need to be treated fairly and remove the information that should have never been on my report in the first place XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts : 1XXXX XXXX XXXX XXXX XXXX & XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6XXXX XXXXXXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX- XXXX
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THE COMPANY, LVNV FUNDING, LLC, WHO ALLEGEDLY REPRESENTS ANOTHER COMPANY, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i am A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY APPELLATION is XXXX : XXXX. XXXX5 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only XXXXne Bureau and that is the Consumer Financial Protection Bureau.
On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport go give the obligee a right to require payment in gold or particular kind of coin or currency, ... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or particular kind of coin or currency, or in an amount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts.
15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
|
| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
To : Resurgent Capital Services AND LVNV Funding LLC AND XXXX XXXX XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
|
| 07/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Back in XXXX, I opened a credit card account with XXXX XXXX. I submitted a payment for the full balance on this card and paid the credit card off with the intention of cancelling the card. After that, I received no communication from XXXX XXXXXXXX other than the balance re-appearing on my credit card and them stating I could no longer access my online account to make payments and that I would need to contact them. XXXX XXXX sent my balance to PYOD LLC collections company for the amount of {$510.00} that I paid. I attempted to dispute the charge with PYOD LLC through XXXX XXXX which did not work. After this, I contacted PYOD LLC directly and informed them I made the payment on this account in full and was not sure why it was sent to collections. They advised I contact XXXX XXXX to receive my full credit card statement with purchases and payments. I contacted XXXX XXXX who said they no longer had access to that information and that I would need to contact PYOD LLC for those records. I contacted PYOD LLC again early in XXXX and informed them of what I found out and they stated they did not have the records and there was nothing they can do other than submit a request to XXXX XXXX. I have still not received my full statements from XXXX XXXX or PYOD LLC and they have this collection on my account hurting my score. PYOD LLC is stating that they can remove my delinquency if I make a payment but have been vague about it and refuse to send any paper communications. This balance is so minimal, however, I do not feel like I should pay this amount a second time when I know I paid it. I think it's very strange that the companies can not even communicate between one another to actually validate the debt OR provide me any information about this debt. I need this collection account removed from my credit report as this amount has been paid in full.
|
| 10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To Whom It may concern : Ive had identity theift for years and have contacted the police and their response to me was since it is small amounts each time it was nothing that could be done but if it was a lump sum then action could be taken. I have written serveral letters to the credit bureaus asking for debt validation and orginal contracts stating what is being reported on my credit report is accurate, and it comes back as verified but I never recieve written documention showing its actually an account I have authorized. I was also a victim of the XXXX data breach in 2017 and looking at my XXXX report I also see that my personal information in being viewed on a daily basis. I will attach documents for the certified letters that Ive written also proof showing my personal information has been compromised. Ive writtent certified letters to not only the the credit bureas but the collection agenices that are incorrectly reporting on my report. Ive also done my due dillegence and have documentation showing that the listed companies are illegally trying to collect a debt are unauthorized to collect in my state of Ohio. If the attached documents are not clear please visit XXXX. Listed below are the companies XXXX ) LVNV Funding 2 ) I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act these accounts have violated my rights.
15 U.S.C. 1681 section 602 A States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
I have also attached a copy of my ID I did not attach my SSN considering the data breach and my personal information being compromised, but if there is any other documentation that is needed from me please let me know.
Thank you
|
| 06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account was open fraudulent on XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. XXXX XXXX XXXX then sold this account to LVNV FUNDING IN XX/XX/XXXX.
The Address on this Contract is XXXX XXXX XXXX XXXX PA XXXX.
In XX/XX/XXXX I was not living at the above address.
At the time of this contract I lived at XXXX XXXX XXXX XXXX, PA XXXX.
PLEASE NOTE : Attached is a Signed copy of my lease from XX/XX/XXXX - XX/XX/XXXX this is an official document.
You are violating my right and causing harmed to my credit!
First, failed to verify the identity once the application was approved.
CFPB PLEASE HELP ME LVNV FUNDING HAS QUESTIONABLE BUSINESS PRACTICE.
ATTACHED IS COPIES OF MY LEASE STATED I NEVER LIVED AT THE ADDRESS THAT WAS PROVIDED WHEN THIS CONTRACT STARTED.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
I REQUEST THAT THIS ACCOUNT IS REMOVED FROM ALL CREDIT REPORTING AGENCY ASAP!
|
| 02/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, I disputed a credit card account that I had not opened, applied for, nor had I ever used with XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX acknowledging this dispute was fraudulent and that they had submitted a request that the tradeline be removed from my credit report and to allow 60 days for that to take place. On XX/XX/XXXX, I disputed the XXXX XXXX account that True Accord had notified me about ( True Accord is contracted for XXXX XXXX ). I sent in the letter to True Accord for verification that this account should not be in XXXX XXXX 's possession and I am not liable for it. On XX/XX/XXXX I received another notification from XXXX XXXX attempting to collect the debt. I responded requesting a cease and desist and that I had already consulted an attorney and was prepared for Litigation if collection didn't cease and the account was removed from my credit report with all 3 bureaus. On XX/XX/XXXX, I received confirmation that collection activity had been halted and XXXX XXXX would investigate. Apparently, this debt has now been sold to Resurgent Capital Services whom I started the whole dispute process over with. Beginning of XXXX, I spoke with a representative who told me to fax in the letter. On XX/XX/XXXX I called Resurgent to obtain the fax number again. At this time, XXXX told me that not only did I have to send in the letter, but I also needed to complete the Fraud/Identity Theft Affidavit and have it notarized and send it back in. I asked XXXX if I did all of that, is it possible that the findings would be different from the Original Creditor? She stated she could not advise, but that my account will only be investigated once I complete that affidavit and there was no way around it. I asked for the account to be recalled to the Original Creditor and XXXX informed me that it could not be.
|
| 06/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This is an extension of my latest complaint against Resurgent. In their response to the CFPB complaint " XXXX '' ( no last name ) from their compliance department left the " compliance contact '' phone number XXXX. I called the number and was then informed that " this is an attempt to collect a debt ''. No, that is totally inappropriate. I am calling a compliance department to discuss a violation. Anyway, the automated system then attempted to trick me into pressing various numbers that would falsely allow them to claim that the purpose of the call was to make a payment. When I finally get to speak to a rep, the rep says she needs to ask questions for security verification. Two of the security verification questions are variations of " do we have permission to contact you. '' So they are lying on the face of it again attempting to entrap me and then misrepresent the conversation in court later... totally inappropriate .... I decline, and then she refuses to speak to me unless I lift the cease and desist order. I give up. The next day I call again. Same bad faith response from resurgent. This time I speak with 3 seperate reps. I am informed that my case is " not being handled by compliance '' and they refuse to transfer me or tell me who XXXX is. They will not listen to anything I have to say unless I lift the cease and desist order, which they violated anyway, which is the purpose of the call. This is completely ridiculous and there is no way this is legal or moral in any society... I want to sue them. They have been illegally harassing me for months to pay a debt that I do not owe. Even the written response to the government complaint is in bad faith. This is so flagrant. Someone needs to go to prison over this .... They better not delete the voice recordings before the court gets to listen ... and who the XXXX is " XXXX ''?!
|
| 08/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
2 Separate Apartment complexes XXXX in XXXX Colorado and XXXX XXXX in XXXX Colorado reported evictions under my name. I have never been evicted from any property nor do I have any balances. On my credit report I have XXXX XXXX and XXXX XXXX which state after 2 years should no longer show ... I lived at these apartments XXXX/XXXX and XXXX/XXXX ... I have submitted information from both apartments and court documents stating there were no evictions or unpaid balances. These are hard inquires on my credit and need to be removed as well as whatever evictions are coming up under my name-This information is false.This has put me at risk for a current property whom I am trying to lease through. After looking at my credit report there are so many issues that I need help resolving. I have paid off all my collection accounts in full and have requested receipts for the payments.Never received anything.XXXX XXXX, XXXX XXXX, LVNV and XXXX XXXX NEVER SENT PAYMENT IN FULL RECEIPTS NOR REMOVED AND CLOSED THE ITEMS PAID.I was told the collection accounts would be not only closed but removed from my credit and marked as paid in full. That has yet to be done also. I have student loan hits from XXXX that are still coming up and I just paid {$12000.00} to XXXX XXXX to take care of almost 3 of the Private Student loans I have. I have utilized my XXXX XXXX and filed disputes but I still see issues and my score has barley raised. I dont know what else to do. I have Supporting Documents I will include as far as the evictions go. I can get bank statements for ALL collections accounts that have been paid in full and the XXXX XXXX payments or whatever I need to do to provide proof these items have been paid. Also most calls say recorded so ALL CALLS made to these companies should be available to replay for proof of what was done and said would be done.
|
| 03/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern, This letter is to inform you that XXXX XXXX XXXX/Resurgent Capital Services have failed to validate a debt collection that is being reported on my credit reports. On XX/XX/XXXX I sent a letter via certified mail disputing a XXXX XXXX account in the amount of {$1200.00}. This letter stated, as per the FDCPA, I have the right to request a VALIDATION of this debt. This letter also requested that an original agreement with their client to collect on this account, an agreement that bears signature of the alleged debtor and a complete payment history is to be included in their response to VALIDATE this debt. And that non-compliance of this validation request will require their collection agency to cease collection activities and reporting the information to my credit report as per my rights under the FCRA. On XX/XX/XXXX I received a response from Resurgent Capital Services that did not include the requested information or ANY type of VALIDATION. Instead, they included some sort of account summary with an invalid name and my current address. I know for a fact the original address reported along with this collection is an address that I never resided at. Also, this original account was opened when I was underage, which is against XXXX XXXX ' [ original creditor ] policy. In conclusion, I would like to state that this account is in fact not a debt owed by me, and is being reported incorrectly on my credit reports which is seriously affecting my right to enjoy the benefits of good credit. Please address this issue immediately. As my rights have been violated as per the FDCPA as well as the FCRA and I may be forced to take legal action against Resurgent Capital Services and XXXX XXXX XXXX if this issue is not resolved. I have attached the appropriate documents pertaining to this complaint. Thank you for your time.
|
| 01/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had two credit cards with XXXX. In XX/XX/2020, I mistakenly paid on my balance on both cards when I intended to pay a different bill. I contacted the creditor and requested the payment be reversed. My due date was still several weeks away. They agreed and reversed the payment. Then they immediately locked me out of my account. I contacted them and they stated that my account has been closed and they cant access any details about my case. I requested that they send me documentation. They did not. Instead, they sold my accounts to a debt collector called MHC Receivables in XX/XX/2020. They made abusive calls and then sold my account to Sherman Originator 2 weeks later. They then sold my accounts to PYOD. PYOD initially made aggressive and threatening calls and then went silent all the way until now by serving me with a court date to sue me. In my credit reports, it verifies that ALL of my accounts have been 100 % on time. I havent had one past due payment. I believe that not only was XXXX predatory in their practice, but that they may have a relationship with debt collectors to prey on consumers. The very few times I ever spoke to a collector, I stated that I would not be willing to agree to anything or confirm anything until I received written statements from them detailing what I owed and why I owed it. Considering I hadnt ever had a past due payment with XXXX and was unclear of my status with them, I wanted to be sure that what was happening wasnt a scam and was legal and accurate. No one ever complied. I only received threats and abuse. And they have even falsified their filing stating I have paid money towards this collection when I havent. I am attaching screenshots that show I have a 100 % payment history. If something was past due to the point where XXXX would charge-off my accounts, it would still show in my history.
|
| 11/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I used to work for XXXX XXXX XXXX. XXXX XXXX has records of XXXX XXXX 's abuse and XXXX affiliation. XXXX XXXX assaulted my son on the bus, threatened me where I lived, trafficked me, held me XXXX, and committed debt bondage with my credit. Under the Debt Bondage Relief Act, I do not owe the debts because they were incurred as I was being held XXXX and enforce disappeared for asserting my rights. I was being threatened with XXXX on petty state level felonies. XXXX XXXX. XXXX was apparently taking hush money from XXXX XXXX XXXXXXXX according to my law enforcement sources. They have to disclose to their shareholders that they enforced disappeared a XXXX over XXXX XXXXreaties. I'm asking that they wipe the credit card debt. After I was held XXXX they threatened to take my property under 42 USC 3631 and have my kicked out of the neighborhood. They are also responsible for XXXX my father under the 14th amendment. They aren't permitted to use the 16th amendment under 18 USC 878 and debt bondage. XXXX XXXX screamed at me about how my credit was going to take a dive. The XXXX that held me XXXX has a record that is over 5 pages long. They also had my car stolen. I'm filing a restraining order under 18 USC 246 and these corporations are not permitted to violate their torts or 18 USC 1513. I need to be able to get this done in one phone call instead of just repeating myself. XXXX XXXX has most of the other records and he is not permitted to suppress any more exculpatory evidence. They just aren't permitted to report these debts to the credit bureaus anymore. The applicable law enforcement agencies should have copies. It is not my intent to commit fraud. I legitimately don't owe the debts under the law. They aren't permitted to deny my rights to an attorney anymore either. They aren't permitted to misuse their office for private gain.
|
| 11/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Discrepancy in Credit Report - Request for Resolution Dear CFPB I am writing to dispute an erroneous entry on my credit report that is negatively impacting my credit score. The inaccurate information in question is related to debt on my account, and is associated with RESURGENT/LVNV FUNDING.
Account # : XXXX Bal {$700.00} Date : XX/XX/XXXX Account # : XXXX Bal {$1700.00} Date : XX/XX/XXXX I have thoroughly reviewed my credit report, and I can confirm that this item is not mine. I have never had any financial dealings or accounts with RESURGENT/LVNV FUNDING, and I have consistently maintained a responsible financial history. The appearance of this item on my credit report has caused considerable distress and potential harm to my creditworthiness.
I have attached a copy of my credit report highlighting the inaccurate entry for your reference. I kindly request that you investigate this matter promptly and take the necessary steps to correct my credit report to reflect the accurate information. This includes removing the erroneous item and updating my credit history accordingly.
I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. I also request that you notify me in writing of the results of your investigation once it is completed.
Please be advised that this discrepancy is negatively impacting my ability to secure credit, loans, and financial opportunities, and I trust that you will handle this matter with the utmost urgency and diligence.
Thank you for your prompt attention to this matter. I can be reached at. should you require any further information or clarification. I look forward to a swift resolution of this issue.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph : XXXX SS # XXXX
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
First of all LVNV Funding is NOT even licensed in Florida as a collection agency. They are illegally attempting to collect an alleged debt, which is a major violation of my consumer rights. I have attached the list of LVNV licensing where FLORIDA is NOT listed.
LVNV Funding also lost a class action settlement by using unlawful collection lawsuits in Illinois. They manage purchased accounts and collect alleged debts. They continue to violate debt collection laws LVNV Funding has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft.
There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.
According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place.
XXXX, XXXX, XXXX and LVNV Funding " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
These companies have all violated either of the two which both constitute identify theft.
I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights.
I demand Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
|
| 12/23/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
DEFAMATION OF CHARACTER To whom It May Concern ; This concerns the inaccuracy that is unfairly furnished on my consumer report by your company which I came to know about on XX/XX/2022. Due to this inaccuracy, my right to extend credit has been severely damaged to a great extent and as a result, my public confidence has been undermined.
Pursuant to my rights as a consumer, I'm asking your company to provide proof of an agreement you have which states I am obligated to make any payments to your company with my signature. Proof of the agreement can not be a pile of statements received from the creditor that I was credited for the alleged transaction.
Pursuant to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Therefore I NEED ACTUAL AGREEMENTS.
Pursuant to 15 USC 1692j ( b ) any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter i.e. {$1000.00} ( XXXX XXXX Dollars ) Therefore pursuant to 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. Any further contact by your company, except a communication by mail confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ) FAILURE TO ACCEPT MY REQUEST WITHIN 15 DAYS WILL LEAD TO A LAWSUIT COMMENCED XXXX YOUR COMPANY.
Thank you for your cooperation Sincerely XXXX XXXX
|
| 12/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Resurgent Capital recently responded to a complaint that I initiated refusing to delete the accounts that I disputed on my credit reports.
However, LVNV/Resurgent is violating the FCRA by listing themselves as a " Factoring Company '' for these accounts. Factoring companies collect account receivables that are not in default at time of purchase, not alleged charged off accounts, as it is prohibited by law for them to do so. LVNV/Resurgent clearly stated in their response letter that was sent to me that they purchased the debts after they were charged off, making them a junk debt buyer, not a factoring company. Due to this fact, LVNV/Resurgent is in violation of the following : 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the accounts as " factoring company '' account.
15 USC 1692e ( 2 ) ( A ) as falsely reporting the legal stat
us of the accounts as not in default.
15 USC 1692e by communicating credit information which is known or which should be known as false, by reporting the accounts as factoring company accounts.
15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the accounts as " factoring company '' accounts.
15 USC 1692e ( 12 ) by alleging that the accounts were " factoring company '' accounts resulting in the false representation or implication that the accounts have been turned over to innocent purchasers for value.
15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debts by reporting the accounts as " factor company '' accounts to deceive current and potential creditors and to negatively impact my credit score.
If LVNV/Resurgent wishes to resolve this matter without court action, they will delete these accounts from my credit reports within 7 days. If not, I will initiate a law suit.
|
| 10/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX LVNV LLCXXXX XXXX OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1 ) Extended Credit 2 ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.
Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX which also has been violated.
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete XXXX ) Account Sincerely yours, XXXX XXXX
|
| 01/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
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Web |
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So I had a credit card I applied for with XXXX XXXX XXXX, I was making my payments each month and then my wallet was stolen and I reported the card lost or stolen. It was some unauthorized charges on my card and the representative told me that it was nothing she can do about it. I told her I would like to close my account then and not have a card with them anymore since they were not willing to take care of the fraudulent charges on my account. The representative told me she would close it out and I owed an balance of about {$65.00} on the card. I told her I would pay it to send me a final bill. I did not get a statement and around 2 months later I started getting calls from them everyday harassing me 6 times a day every single day saying that I owe them hundreds of dollars. Owe them for the fraudulent charges and also for the interest and fees they were adding each month on my statement as well as the monthly charge and then late fees. I told them I did not owe them that as my account was supposed to be closed and that I should not have to pay hundreds worth of dollars for nothing. I did not even make any charges but the amount was steady going up and up and they continued harassing me. I disputed with the company and they told me that nothing was false and that I owed the debt but I did not, I was not even using the card did not even have a card so how could my balance go from {$65.00} to over {$70.00} with them adding fees to my account every month and not closing it out. They have ruined my credit score as well as my payment history that I worked so hard to establish all for greed and the willingness to not help me. I am quite disgusted with this company and I am absolutely fed up with them ruining my credit and also my reputation for something they should have resolved and did not want to take responsibility for.
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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i whole heartedly disagree with lvnv fundings response to my compliant. Lvnv funding can not prove anything. Account statements and a card holder agreement is not enough proof to collect a debt. i am requiring for lvnv to provide a contract that bears my legal signature that obligates me to even pay this debt. I am requiring for them to provide any internet Ip addresses that proves i initiated anything. the supreme court has ruled that account statements is not considered adequate in debt collection processes. Anyone can fabricate a statement of accounts, any one can get a card holder agreement online. Where is the actual proof this account belongs to me. Also the record should state that the lawsuit was not dismissed because of an expiring statue of limitations. The law suit was dismissed because of lvnv funding inability to provide the necessary documentation that i requested proving the validity of the accounts in question. the lawsuit was dismissed because they could not provide any legal proof! the statute of limitations expired after the case was dismissed. Futher more missing from the information they provided is a bill of sales proving they purchased this alleged debt, A transfer of ownership, any witnesses that appeared during the transfer, and proof they can collect in the state of Delaware. This is information they must legally provide.
i am asking for : XXXX. ) a contract that bears my legal signature proving i owe this debt XXXX. ) Any internet ip addresses that can be tied to me XXXX. ) bills of sales agreement showing the purchase of the debt XXXX. ) transfer of ownership XXXX. ) witness statements that this debt was actually sold XXXX. ) proof that they can collect in my state CFPB please be advised that i will start the litigation process and will use this information as proof against lvnv funding.
|
| 09/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Lviv Funding LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act XXXX FTC ACT and RICO Act.
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 11/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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I am writing to bring to your attention the apparent violations of various provisions of the United States Code related to debt collection practices. Specifically, it has come to my attention that your company, LVNV Funding LLC, may have violated the following statutes:1. 15 US Code 1692B : This section outlines the requirements for debt collectors to provide written validation of debts upon request by the consumer.2. According to 15 USC 1692g ( a ), within five days of the initial communication with a consumer regarding the collection of a debt, the debt collector must send a written notice to the consumer. This notice should include information such as the amount of the debt, the name of the creditor, and the consumer 's rights to dispute the debt or request verification.3. 15 USC 60 92D : This section addresses the fair debt collection practices and prohibits deceptive, unfair, or abusive practices in debt collection.4. Under 15 USC 1692d, debt collectors are prohibited from engaging in any conduct that is intended to harass, oppress, or abuse any person in connection with the collection of a debt. This includes practices such as making excessive or repeated phone calls, using obscene or profane language, making threats of violence or harm, publishing lists of debtors, or engaging in any other conduct that is intended to harass or abuse the debtor.
5. 15 USC 6 9 2K : This statute establishes the guidelines for the calculation and imposition of statutory damages for violations of the Fair Debt Collection Practices Act ( FDCPA ) .6. 15 US Code 69 2D : This section outlines the penalties and remedies available to consumers for violations of the FDCPA.It is important to note that I am not a legal professional, but I believe that the aforementioned codes may have been violated based on my understanding of the law.
|
| 03/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
RE : Complaint # XXXX. - XXXX XXXX XXXX XXXX XXXX XXXX.
NOTE : Also was " threatened '' by a " XXXX '' with XXXX in XXXX regarding this debt, threat to sue me, and nasty cursing over telephone to me, about XXXX XXXX.
Now, I called XXXX to get info on debt. I was transferred to " XXXX XXXX '' who stated that my Debt was " sold or transferred as of Friday, XXXX XXXX, XXXX. '' I did not receive notification, also when I contacted XXXX in XXXX XXXX, XXXX XXXX " agreed with me over phone '' that I requested by letter a verification of my debt and that XXXX deliberately provided " no response '' to me.
I was given only a phone number to contact regarding my account. After calling, I discovered the " account '' is now with " Resurgent Capital Services LP '' of XXXX, SC.
the original debt was with XXXX XXXX XXXX ( actually it was XXXX XXXX ) on XXXX XXXX, XXXX.
I was not given proof of the debt, by XXXX, and was not prior notified that the debt was moved again!
Also " new debt collector '' ( spoke to XXXX XXXX with Resurgent at XXXX on XXXX XXXX, XXXX. Phone number XXXX called to reach Resurgent : ( XXXX ) I also have not received notice of right to dispute ; and requested verification of debt from XXXX XXXX XXXX, which was ignored and denied.
XXXX 's get these companies to properly comply with FDCA and keep customers aware and in communication of anything debt related. I am Disappointed, Frustrated, and Disgusted!
I only want to clear my credit, and stop dealing with these nasty people. By the way, XXXX XXXX stated that I " would not receive a regular written letter statement of balance '' and that I had to " call in to us periodically to get your current balance owed. " Please assist me to stop the harassment, threats, and lies/deceit from these companies and allow me to clear my credit history.
Thank you.
|
| 08/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
LVNV has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be.
XXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim.
Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid.
Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
|
| 08/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be.
XXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim.
Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid.
Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
|
| 04/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XX/XX/XXXX - I signed a settlement agreement with XXXX XXXX. It was agreed {$7600.00} of {$11000.00} owed was acceptable by XXXX XXXX. Monthly payments were made and the final payment was made to XXXX XXXX of {$3700.00} in XX/XX/XXXX. The balance was requested by me and I have an email from XXXX XXXX with the {$3700.00} amount as the balance left to pay. In XXXX, XXXX XXXX did report a charge-off on my account in the amount of {$3400.00}. Since then, I am not exactly when they changed the balance to XXXX and kept the status as charged-off.
XXXX - I received correspondence from XXXX XXXX XXXX stated that I owed {$3400.00} to LVNV Funding LLC and the original Creditor was XXXX. ( It was XXXX XXXX that I had the account with. I had never received any correspondence with the Creditor name as XXXX. ) They were offering a settlement agreement for me to pay {$1700.00} of the {$3400.00}. LVNV opened a new account in collections with the 3 credit bureaus and a balance of {$3400.00} as of XX/XX/XXXX. They have continued to report 30 days late each month because I refused to settle on an amount that had already been settled with XXXX XXXX.
XX/XX/XXXX - I received correspondence from Resurgent Capital Services, stating they were verifying the debt and will be servicing the debt for LVNV Funding in the amount of {$3400.00}.
XX/XX/XXXX - I sent a certified letter to Resurgent Capital Services, explaining that the debt had been settled with XXXX XXXX and the LVNV should be removed from all three credit bureaus.
XX/XX/XXXX - I received a letter from Resurgent stating they would be looking into my inquiry.
As of XX/XX/XXXX, I have not heard anything from either Company. However, the LVNV is still on my credit report in collections and they continue to report late each month.
Thank you for any help you can provide.
|
| 10/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
LVNV sent me the consumer [ XXXX XXXX ] emails on the following dates XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 about an alleged debt. After looking into the alleged debt in all three ( 3 ) Credit reporting agencies XXXX, XXXX, and XXXX I then moved forward to dispute this alleged debt with LVNV, this is my right as the consumer under the FCRA.
On XX/XX/2023 I sent LVNV a letter tracking # XXXX XXXX XXXX XXXX XXXX of dispute with a conditional communication via mail correspondence only.
I did not receive a response from LVNV to the first dispute letter.
After 30 days I sent LVNV a final letter ( Notice ). The last letter was sent on XX/XX/2023 for the alleged debt. I stated in the final letter that LVNV was being deceptive in sending two ( 2 ) other collection companies to collect on the same alleged debt. I've already reported one of the collection companies for Identity theft with the FTC, CFPB, and XXXX. In this formal complaint I want to do the same for this third party collection company.
They never responded to any of my letters for the alleged debt. I have the right to dispute a lawful validation of debt pursuant to CFR 1006.34 Notice for validation of debts under the FDCPA.
Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which LVNV did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.
LVNV is in violation of the following Laws ; 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.
15 U.S. Code 1681 q - Obtaining information under false pretenses.
18 U.S. Code 1028A - Aggravated identity theft.
|
| 09/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Are HUMANS viewing these complaints or superscanners? My complaint of Resurgent Capital Services L.P. was NOT a duplicate complaint! 1 ) My initial complaint was to XXXX, which is indeed a separate company! Is it not? I know for a FACT that if someone is doing business as Company 1, another as Company 2, and Company 3 -- THAT THEY ARE 3 SEPARATE COMPANIES. 2 ) That complaint -- as this one, since my other was FALSELY closed -- is about how Resurgent provided me with documents that, under the FCRA & FDCPA, DO NOT PROVE this fraudulent account to be mine! My complaint to XXXX was about how these frauds ( and XXXX XXXX XXXX XXXX ) NEVER RESPONDED TO MY LETTERS asking for validation of this account -- which is a violation of consumer law. They knew what they did and the person who responded to my complaint brushed it off! Therefore, please explain to me how these are duplicates ; these are two separate issues with THREE DIFFERENT COMPANIES! 3 ) I am absolutely outraged that the CFPB is condoning companies ' violations of consumer law! What do you exist for, CFPB? I was given statements and bills as " proof '' that the account was supposedly " mine '' when those are NOT valid means of verification! Statements, bills, and itemized lists of " what is or has been owed '' is NOT proper validation under the FCRA or FDCPA. You MUST provide an original contractual agreement in its original form, bearing my actual, wet signature. My signature was not on these documents, nor did they provide proof that the address ( es ) in the document were mine. Everything about an account must be properly investigated and validated. Until Resurgent provides actual original documentation bearing my actual signature and providing verified proof that the addresses were mine, then they remain under violation of law -- WITH THE CFPB 'S HELP.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
To : XXXX XXXX XXXX XXXX XXXX AND LVNV Funding LLC I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
|
| 10/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXXXXXX I received an email from XXXX XXXX at " XXXX XXXX XXXX, a debt collector '', stating they are trying to collect a debt that I owe to LVNV Funding, LLC.
The original creditor is listed as XXXX XXXX with account number ending in XXXX, and it said I owe {$2300.00} from XXXX, XXXX. I responded to the email advising her I do not recognize the debt and that I was disupting it, and asked for PROOF/verification to be mailed to me in support of their allegations that I owe XXXX XXXX this amount they are claiming. On XX/XX/XXXXXXXX I received a letter dated XX/XX/XXXXXXXX from " Resurgent Capital Services '' on behalf of current owner LVNV Funding, listing XXXX XXXX as the original creditor. The letter does not indicate what type of an account this allegedly is ; it simply lists XXXX XXXX as original creditor, origination date of XX/XX/XXXX, chargeoff date of XX/XX/XXXX ; and that they acquired the account on XX/XX/XXXX. First, this loan originated TWENTY ( 20 ) years ago. AT NO TIME between today 's date and origination date of XX/XX/XXXXXXXX have I ever received any written correspondence nor any collection notices from XXXX XXXX. The letter from Resurgent Capital Services includes a Texas disclaimer stating due to the age of this debt, they can not sue me nor report it to any credit reporting agency. Despite my request, they have failed to provide any copies of original loan documents, or anything with my signature on it verifying that I willingly agreed to borrow any money from XXXX XXXX 20 years ago. As Texas prohibits them from suing me or negatively reporting to the credit bureaus for this debt due to its age, they can not continue to harass me and pursue me for this debt, so I question why they are still allowed to contact me when they legally can not continue pursing me for this.
|
| 07/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
on XX/XX/23, Resurgent stated in their letter that 'Resurgent does not condone harassment or unprofessional communication with customers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts.Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account, we found no evidence of the mishandlings alleged in the inquiry.
However, Resurgent didn't adhere to all state and federal law and regulations. According to the FDCPA laws debt and collection practices. And Resurgent did find evidence of wrongdoing regarding mishandlings of communication within the collections letter. They letter shouldn't have included any mention of referral to an attorney. And I advise them to refresh themselves on how to write a collection letter according to FDCPA. Resurgent doesn't have the right to rewrite the law according to how they see fit. Which is an abuse of authority. Resurgent is negligent for what they did and must be accountable to make it right.
Recently, Resurgent sent me a letter dated on XX/XX/23, in which they didn't share with CFPB, which is predatory practice. Asking for installment payment without using a unprofessional communication tone of harassment. The contrast is very different from the original collection letter.
This is acknowledgement that Resurgent has taken measures into consideration on how to communicate moving forward since filing a complaint with CFPB. I ask that CFPB make Resurgent aware that they violated FDCPA laws debt and collection practices. And award me for damages in regards to harassment and unprofessional communication. The contrast between both letters of communication is drasticly different from one another. This is the evidence that Resurgent reluctantly do not want to acknowledge.
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom it may concern, I XXXX XXXX have been a victim of identity theft and fraud, as a result of erroneous incorrect information I have suffered a financial loss significantly. I have tried contacting all of these creditors to provide information or validation and I have never received any supportive documentation that proves I am liable or consented to any service or good these companies offer. Please remove this incorrect information from my credit report.
The following account is not mine LVNV FUNDING LLC Account Number : XXXX Amount : {$650.00} Date : XXXX Please remove this inaccurate information from my credit report.
The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$560.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.
The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$1200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.
The following account is not mine XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.
The following account is not mine XXXX XXXXXXXX Account Number : XXXX Amount : {$1100.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.
The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$8300.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.
The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove it from my credit report.
The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.
|
| 12/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2023, LVNV Funding received a debt validation letter from XXXX XXXX. LVNV Funding did not validate the debt that LVNV Funding allegedly claim I owe. As a result of that failure, LVNV Funding also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/2023. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days. LVNV Funding have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). LVNV Funding neglected to respond or comply. LVNV Funding has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because LVNV Funding does not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give LVNV Funding legal permissible purpose per FCRA. LVNV Funding is a known junk debt buyer. Per 15 USC 1692K Civil liability, LVNV Funding is now liable for violations that they have carelessly committed. These behaviors are also considered abusive and harassing. I am aware that LVNV Funding was sued before for abusive and deceptive practices and behaviors towards past consumers. Recently, LVNV Funding attempted to sue XXXX XXXX from XXXX for a debt he did not owe. LVNV Funding was then ordered to pay XXXX XXXX {$19000.00}. LVNV Funding will be sued if LVNV Funding continues and attempts to call my bluff as a federally protected consumer by not complying with the FDCPA, FCRA, and Privacy Act. The actions LVNV Funding have committed constitute identity theft and fraud. LVNV Funding will be reported to the FTC once more.
|
| 09/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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On XX/XX/2019 a letter was sent to the original creditor XXXX XXXX XXXX, to validate the alleged debt they claim I owe them. The original creditor XXXX XXXX XXXX, sent a letter back to me, dated XX/XX/2019 stating that the ownership of this debt was transferred to LVNV FUNDING LLC. LVNV FUNDING LLC was also sent a validation letter on XX/XX/2019 since they are reporting the debt as well but they never responded to my request for validation.
On XX/XX/2019, I sent another letter to XXXX XXXX XXXX, advising them that the letter they sent was NOT validation of debt, as I have requested, since they are the original creditor. One XX/XX/2019, XXXX XXXX XXXX responded, stating they " addressed the request in a previous communication '' and they were under NO further obligation to provide any additional information and WILL NOT address duplicate inquires in the future ''. The issue will this is that as a consumer, I have the right to ask for validation of the alleged debt that the ORIGINAL creditor is reporting to my credit report, to ensure that the debt is mine and / or reporting correctly etc. Im not understanding how XXXX XXXX XXXX addressed my inquiry in a previous communication?
What was stated is that they no longer have the debt, however as a financial institution those records should be readily available and to tell a consumer that they will NO linger respond to duplicate inquiries is ludicrous and asinine.
XXXX XXXX XXXX, obviously CAN not provide the required verification of debt according to FDCP.
Also, I received a letter from XXXX XXXX XXXX stating that they are the beneficiary of the debt now, however XXXX XXXX XXXX is stating that LVNV Funding owns the debt AND not to mention LVNV Funding LLC is reporting this erroneous information to my credit report but they don't even own this debt!
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| 08/06/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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All three Credit Bureaus have reporting from LVNV Funding LLC which I discovered was actually Resurgent Capital Services. They are reporting a debt owed on two separate Credit Card Accounts ( one XXXX XXXX, the other XXXX XXXX ). The amounts shown are for {$730.00} and {$710.00} on accounts showing to have been CLOSED in XX/XX/XXXX and XX/XX/XXXX.
I currently have open & Current Accounts with both of these banks and as I TOLD this Collection Agency in Writing on 3 Separate occasions I have NO KNOWLEDGE of these CLOSED Accounts. I therefore asked them to provide ANY PROOF these accounts are really mine. ONE FORM showing my signature would serve as such proof and since I sign numerous charges with BOTH Banks I currently use. This seems to be a Logical, Simple and Common Sense Step in aquiring PROOF of Ownership. I stated that with such proof I would be happy to resolve the issues. But again, I have no knowledge of such accounts so I also asked that if they were unable to provide such documentation they REMOVE the false reporting from my credit file.
Rather than providing me any supporting documentation OR removing the false reporting. This collection Service has instead actually put in writing they expect me to provide PROOF I don't have an account. That's INSANE!! It is impossible to prove you don't own something you don't have. They even provided me with duplicate mailings stating they would NOT continue to correspond with me and have made NO attempt or provided any reason for their FAILURE to provide any proof the accounts exist. And through that action they are basically EXTORTING me to make payments on accounts about which I have no knowledge.
The Reference Numbers I have been Provided by Resurgent Capital Services are XXXX XXXX And those are the ONLY Actual Numbers I have EVER been provided.
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| 11/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with LVNV Funding/ XXXX XXXX this debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report.
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft.
All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform LVNV funding / XXXX XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX XXXX
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| 04/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I wrote XXXX starting in XX/XX/XXXX about a Collection company Lvnv reporting on my credit and ask to have it removed. As a result they did not remove it saying that it is mine. However, I wrote to all three credit companies and two of them XXXX and XXXX did remove it and then Lvnv tried to place it back on my report after it had been removed I reported it to them and they removed it again. So I wrote XXXX again and again and ask them to verify it and they did not but still has not removed it. I also wrote the company as of XX/XX/XXXX and they could not or did not verified they sent me a statement from the original creditor without any type of signature of mine. So as of now I have wrote back to them asking them to provide evidence that this is my account bearing my signature and let them know that what they sent to me for verification is not FCRA proof for what they sent is a statement letter from the original creditor and asked for immediately removal as of now has not complied or reported to XXXX that I am disputing these accounts. Not only that XXXX has allowed them to reopen this file on my credit report which was showing closed when originally disputed. Also it shows an inaccurate date, past due date, wrong high balance from when it was originally reported and a inaccurate date of last activity and is missing information and the account numbers have been changed several times and so has the addresses. This is my second step before I file a small claims against XXXX and Lvnv. All my disputes have been sent certified mail and I have all the copies, accept the one I sent through XXXX XXXX. This is damaging to my credit profile and as a result I am unable to receive a mortgage loan without this being removed off my credit report and they ( XXXX and Lvnv ) have left me no choice but to take action.
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| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am still having trouble with removing the fraud from my report my whole complete identity was changed address name spelling telephone numbers and accounts where added from my caregiver stealing from me while sick and insurance fraud from the rental company XXXX XXXX XXXX, I have video proof that the apartment was cleaned I paid a service to clean i have video proof that the apartment was in good condition and a letter in the form of affidavit that the carpet was 5 years old when i moved in because the original apartment was infested with roaches in the back. and I have recourse for all the information I have listed.
XXXX XXXX XXXX has two fraud accounts and they won't remove them I have provided them and XXXX with police report number about my case and proof of affidavits which I have copies of no response or reply. I talked to LVNV funding to they disregarded my information due to frivolous reasons that I filed out the form incorrectly I will list the police report and the affidavit I sent them below. that they couldn't find the account when I put the account numbers that were sent and told to me by their agent. However they want me to resubmit the documents and they had to update the information only by mail I need these issues resolved because I didn't destroy the unit at XXXX XXXX i have video evidence and they have also filled mutilple account charges from their company and another company XXXX XXXX XXXX for XXXX on a bond that i never hade knowledge of they take your signature and sign it manually in the back office not aware of any contract with the original creditor I reported to the XXXX XXXX fraud agency that they have made fraud reports on insurance claims because i have evidence no repsonse from XXXX XXXX management nor its affiliates they are operating in shady business practices.
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| 02/14/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THE COMPANY RESURGENT RECEIVABLES LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT MINE. MY NAME IS XXXX XXXX the 3rd. 15 USC 1692 ( A ) ( 1 ) The term " XXXX '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau.
On XX/XX/1933, XXXX enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. this resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy, and.. Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts.
15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
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| 06/25/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Resurgent Capital Services LP, a debt collector, was timely notified within 30 days of attempted debt collection of the dispute in the amount of {$1000.00}. That notification date was XX/XX/XXXX. The issue involves one transaction of {$610.00} in XX/XX/XXXX where XXXX, XXXX never resolved the dispute with the merchant nor the XXXX XXXX. They just added interest and penalties while the matter was still in dispute, bringing the account to {$1000.00}. The account was sequentially sold by XXXXXXXX XXXX to XXXX XXXX XXXX. We stated in our dispute letter to Resurgent Capital Services LP on XX/XX/XXXX that we disputed the original transaction and the charges for interest and penalties that XXXXXXXX XXXX added while the matter was still in dispute.
Subsequent to XX/XX/XXXX, Resurgent Capital Services LP has used pseudo debt collection companies like XXXX XXXX and XXXX XXXX XXXX and has also used multiple addresses in their letters. All these related entities were also sent timely written letters within 30 days of attempted debt collection of the disputed amount. Our written responses were sent to all the multiple address that Resurgent Capital Services LP employed in their debt collection letters. We continue to be harassed by the repetitive annoying debt collection form letters from Resurgent Capital services LP and multiple addresses that they have employed, all of which we have timely disputed within 30 days in writing. Our postage has cost {$6.00} for each certified return receipt plus our time and effort to respond to these multiple letters. We consider this ongoing repetitive behavior by Resurgent Capital Services LC harassment, because they have been told multiple times not to contact us again. ( See copies attached of the certified, return receipt written letters for our timely responses. )
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| 09/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/2020 - XXXX XXXX XXXX calls and the phone Identified them as " XXXX XXXX XXXX '' the call was from XXXX. An automated message stated that I have a debt to pay and to call back immediately. They gave me a number to reference XXXX.
I called and asked for who the collector is etc. The acct. ends in XXXX, original debt is from XXXX XXXX for {$700.00} ; they also gave me an address for a home that I haven't lived in for over a decade. I asked for their address so I can send a validation letter, and I was hung up on. I called back, spoke with XXXX, and told them that I am a victim of ID theft, and I want their address. They put me on hold then said they could email me and asked for my email. I said no, I want their address for validation. I said I would be contacting the FTC, Consumer Affairs, XXXX, and others, and I am taping this, so I want their address. I was going to ask for also a written notice of validation by mail, but I never had the chance. XXXX said that they could not be taped and hung up on me. I cant send anything to a company without a valid address for validation. I cant even find an address online.
I have had one credit card in my whole life, and it had been canceled over a decade ago. I do not have debt with this company or XXXX XXXX. I am a victim of ID theft.
XXXX next send a certified letter to XXXX XXXX since I have an address for them due to past ID theft and I after filling out a FTC ID theft but I have no information on XXXX XXXX XXXX or even if the debt is valid. I would like XXXX XXXX to stop opening up invalid accounts under my name or my husbands name. I currently have a fraud alert active with the 3 main credit companies. I also am opening up an account for XXXX XXXX ( this week ) to fix the XXXX Fax Data Breach issues my spouse and I have been battling.
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| 07/13/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American |
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I have two collection accounts with Resurgent Capital Services under LVNV Funding both for a XXXX XXXX credit card ... ..Re : XXXX for {$1500.00} and the second one acct number XXXX.
The first debt collector for both accounts was XXXX XXXX XXXX in which I will be sending in.
In both debt validation letters sent to both debt collectors I requested the following not only according to FDCPA regulations but as well under the Texas FDCPA as well as the Texas Finance Code.
1. Agreement with the original creditor that authorizes you to collect this alleged debt ( FDCPA Sec. 1692f ( 1 ) as well as under the Texas Fair Debt Collections Act.
2. An agreement bearing my signature stating that I have agree to pay them for this charged off debt.
3. A payment history from the beginning of the debt showing the original debt amount as well as how the debt was incurred. New standards that were put in place by the XXXX XXXX in 2014 after entering a decision in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.
4. I also requested the documents they must file with the Texas Secretary of State making it legal to collect in our state.
I sent this request to them more than once as you can see from the letters I will be sending and their response to me was that they reviewed the file and found the debt was valid but did not provide me the information as per the FDCPA, TFDCPA as well as their legal authority to collect in my state under the Texas Finance Code.
I recently learned they reported both of these accounts to the credit bureas in which I am in the process of disputing.
I am sending you all the information pertaining to both accounts as well as the requirements under Texas and Federal Law..
I want the CPFB to review the federal violations they have committed and that this file be removed from the credit bureaus.
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| 08/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My complaint is against Resurgent Receivables LLC AKA Resurgent Capital Services. They are in violation of 15 USC Code 1681a ( b ) which prohibits them from reporting a payment history on my consumer reports. I have copies of all 3 my consumer reports for the month of XXXX that shows they are reporting two XXXX as collection accounts, and are showing a payment history for those accounts. This is a violation of federal law.
I addition to their violation of 15 USC Code 1681a ( b ), they are reporting inconsistent information on my consumer reports. On my XXXX report, they are reporting the loan type as a " Factoring Company ''. Whereas, on my XXXX and XXXX reports they are reporting the loan type as " Debt Buyer ''. The account types they are reporting are also inconsistent. Listed below are the inconsistent account types ; XXXX : Account Type - " Open Account '', XXXX : Account Type - " Debt Buyer '', XXXX : Account Type - " Other '' This is a clear violation of the FCRA which promotes the accuracy and fairness of consumer reporting.
They have also failed to provide validation of the collection accounts they are reporting under my social security number. According to the FTC A PRINTOUT OF A CREDIT CARD STATEMENT DOES NOT CONSTITUTE VALIDATION OF THE DEBT!
I have tried repeatedly to get them to resolve my dispute by removing the tradelines from my consumer reports, as of today XX/XX/22 they have failed to do so. The FCRA requires that they delete any incomplete, inaccurate, unverifiable information from my credit reports and they are refusing to do so.
If they do not delete both of the inaccurate, unverifiable tradelines from my ALL of my consumer reports, I will be seeking all legal remedies allotted to me under federal and state law, up to and including {$1000.00} for EACH VIOLATION!
|
| 06/20/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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When applying for a home loan I discovered an unknown collection account from XXXX XXXX XXXX. They are supposedly collecting on behalf of XXXX XXXX. Since I had no knowledge of this debt nor ever had an account from XXXX XXXX I immediately disputed the debt with the three credit bureaus on XX/XX/XXXX. The dispute came back VERIFIED. I then contacted XXXX XXXX XXXX directly which is really another company called Resurgent. They were able to provide some limited information, none of which was accurate. The service was supposedly for a landline telephone but they couldnt even verify the service address. They made me update my contact information because they didnt even have a valid address or telephone number to contact me. I then contacted the original vendor, XXXX XXXX, who had no information on the account. I dont know how they can VERIFY the debt when they dont have proper information on file and the original creditors information doesnt even match mine. They said I could request a debt validation but they discouraged it as it would take 60 days. The law states 30 days so they were trying to get me to settle for debt I dont owe verses verify its legitimacy. To top that off the date of last delinquency showing my credit report is XX/XX/XXXX when they themselves state the correct date is XX/XX/XXXX. They told me they have no ability to correct it. According to my mortgage company something from XX/XX/XXXX hurts me much less tan something from XX/XX/XXXX. My last communication with XXXX XXXX was with XXXX on XX/XX/XXXX. I would like these unfair and inaccurate collection processes to cease and for the reported item to be immediately removed from my credit report. I have attached a copy of the current credit report highlighting my notes and the date of last delinquency that is reporting.
|
| 09/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I am writing to bring to your attention a pressing issue I have been facing regarding my credit report. I am a XXXX female who is diligently working on improving my creditworthiness. However, I am encountering significant hindrances due to inaccurately reported accounts that continue to have detrimental effects on my creditworthiness, consequently impeding my ability to secure loans or consider purchasing a home.
I have meticulously maintained documentation demonstrating that these accounts have been paid in full, and they are over two years old. It is perplexing and distressing that they persistently remain on my credit report. Additionally, I have been incessantly receiving correspondence from various law firms regarding potential lawsuits, urging me to engage their services. This continuous barrage of legal notices adds further distress to an already burdensome situation.
One particularly troublesome account pertains to XXXX. As of today, they persist in reporting that I owe them over {$1100.00}, despite the fact that this account was settled and paid in full. My attempts to engage with XXXX and seek resolution have been met with resistance and uncooperative behavior. Furthermore, every attempt to communicate with the current entity responsible for this debt, in order to rectify the situation, has been met with a lack of progress and cooperation. I never had two XXXX accounts.
I implore your assistance in addressing this matter, as it is adversely affecting my financial stability and future prospects. I am committed to working towards a resolution and appreciate any guidance or intervention the Consumer Financial Protection Bureau can provide.
Thank you for your attention to this pressing matter. I eagerly anticipate a swift and favorable resolution.
Sincerely, XXXX XXXX
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| 06/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I am receiving repeated inquires about a debt that I have no knowledge of. I feel that it must be a scam.
XXXX XXXX XXXX XXXX ( 4 hours ago ) This is an important message for XXXX XXXX XXXX XXXX
You currently owe {$18000.00} to CACH , LLC.
You may wonder why XXXX is contacting you about this balance. We know it may be confusing, so here is a breakdown.
XXXX XXXX XXXX, XXXX was the original creditor. When your debt was overdue, XXXX XXXX XXXX, XXXX sold the debt to CACH , LLC who currently owns this balance. CACH , LLC has asked XXXX to help you resolve this balance. That's how you got to us.
You can view your options for resolving the balance by clicking the button below. If you have questions, you can reply to this email. A member of our Engagement Team will assist you.
> View My Options Current Creditor : CACH , LLC Original Creditor : XXXX XXXX XXXX, XXXX Total Balance Due : {$18000.00} XXXX account number : XXXX Product : Credit Card This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication.
View Account Information Contact Us Read our FAQs Unsubscribe Dispute This Debt Privacy Policy Copyright 2021 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : XXXX, XXXX XXXX - XXXX XXXX ET The law limits how long you can be sued on a debt. Because of the age of your debt, CACH , LLC can not sue you for it, and CACH , LLC can not report it to any credit reporting agency.
This was originally an account with XXXX XXXX XXXX, XXXX, account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : XXXX : XXXX CACH , LLC account number ending in : XXXX.
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| 06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
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As a federally protected consumer.
I am currently being harassed by multiple debt collectors. Most of these debt collectors have sent me statements to collect a debt on a POSITIVE balance, if anything I should be the one getting paid.Based on the FDCPA 15 USC 1692 them sending me statements makes them a debt collector .Since they are NOT the original collector this makes them a Third-party debt collector .As a consumer I have the rights to know how much was this sold for or the commission it was assigned. ALL of this so far are violations to the LAW. I have asked for validation and a signed contract between me and the third party debt collectors, which they have not sent me only statements and statements does not mean contract by any means.With this being said that is under violation as well and considered fraud because they unknowingly put me under contract and tarnished my credit report and reputation .Which is another violation. Under the FCRA 15 USC 1681 THESE debt collectors ruined my " reputation " with a bad debt and furnished it to my credit report. The debt also states " failure to pay this debt will result in us furnishing this debt to ANY or ALL consumer reporting agencies. '' This is considered a threat. The word debt is in fact obscene and profane. Last but not least as mentioned before the papers sent to me are all in a positive balance if I OWED anything to these unknown people the balance will be negative because it is impossible to pay a positive off, therefore this means its been paid with my social this entire time .Is there a way of reimbursement?
The companies im talking about are : XXXX XXXXLVNV Amount : XXXX Date : XXXX XXXX XXXX amount : XXXX Date XXXX XXXX XXXX XXXX amount XXXX date XXXX XXXX XXXXXXXX XXXX XXXX amount - {$1000.00} dateXXXX XXXX XXXX
|
| 03/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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|
XXXX XXXX Department Resurgent Capital Services L.P Dear XXXX, Having reviewed all of the documents provided to me regarding this alleged debt, I am afraid that you are committing fraud.
You are violating the code of Federal Regulations 12 CFR 1006.30 ( e ) Prohibited Practices. By Furnishing certain deceptive forms.
A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumer 's creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor.
This fraudulent bill statement that you have designed and furnished to me does not reflect accurate nor true information on my behalf.
Upon reviewing the monthly statements from the alleged original creditor, this also has shown fraudulent information on my behalf, My name is not XXXX XXXX XXXX XXXX.
Nor any of the addresses belong or have any attachments to my person.
Furthermore, as the information that you provided is fraudulent and deceptive, this does not validate this alleged debt. Pursuant to 12 CFR 1006.34 Notice for validation of debts. Please be advised that I am requesting VALIDATION not VERIFICATION. I Am requesting a copy of the original contract, and or documents bearing my signature, payment history and all proper disclosures with the original creditor.
Furthermore, I am afraid that you have committed an infringement upon my consumers right to privacy pursuant to 15 usc 1692, as I never contracted with you, LVNV Funding LLC, and Resurgent Capital Services L.P . I, XXXX XXXX XXXX never gave you, LVNV Funding LLC , and Resurgent Capital Services any oral permission or written permission to contact me or have any of my private information.
|
| 06/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collection from this debt from LVNV FUNDING LLC. I am not responsible for this debt with LVNV FUNDING LLC. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
|
| 02/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I acquired my credit report and asked LVNV FUNDING LLC to validate a debt and ensure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited 30 days, and I havent received anything. Here is my tracking number : XXXX, which is the letter that I sent on XX/XX/2022, and LVNV FUNDING LLC received it on XX/XX/2022. Its been well over 30 days in which LVNV FUNDING LLC never responded. I submitted a complaint through the CFPB, and LVNV FUNDING LLC responded that they were unable to locate an account under the name of XXXX XXXX XXXX with the information provided and asked if I could please provide additional information, such as the account number ( s ), in order to help us locate the account ( s ) and address XXXX XXXX XXXX concerns. This situation is becoming overwhelming and frustrating because clearly as you can see in my letter I included the account number. Here 's my first complaint number with the CFPB : XXXX, in which the initial complaint was submitted. At this point, this issue has been very frustrating. LVNV FUNDING LLC has been displaying bad business practices and taking a reproach above the law. I mailed LVNV FUNDING LLC an invoice seeking payment for damages based on LVNV FUNDING LLC FDCPA violations. I will attach all documents as my proof. I have resubmitted a complaint with the CFPB showing records and dates on which I have tried to resolve this matter numerous times. LVNV FUNDING LLC has not only ignored the opportunity to honor my remedies but has also made life challenging and complex for me. Reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood.
|
| 08/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I had previously filed a complaint against Resurgent Capital LP. I was alleging that Resurgent Capital created a fake debt to scam me into paying it. Resurgent replied to my complaints with documents they claimed proved the debt was valid and was mine. The documents resurgent Capital Supplied to validate this debt they claimed came from the original creditor which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX prior to filing the complaint to inquire about the alleged debts.XXXX XXXX XXXX sent me a letter saying they had no knowledge of this debt. I lost that letter so I contacted them again and again requested they supply me with information about this credit card I allegedly applied for, received and used, XXXX XXXX XXXX replied to my request and sent me the enclosed letter. ( see attachment XXXX XXXX XXXX removal ). In this letter XXXX XXXX XXXX themselves verify that I never applied for, received or used this alleged credit card. The account that Resurgent Capital Is claiming that I defaulted on with XXXX XXXX XXXX ends in XXXX. ( See attached Resurgent Reply CFPB, ). XXXX XXXX XXXX themselves have verified that this account ( ending in XXXX ) that Resurgent Capital made up to scam me into paying {$800.00} is not my account. They ( XXXX XXXX XXXX ) have validated my claim that I never applied for, Used or received this fake credit card that Resurgent Capital made up to scam me out of money. Please verify the letter with XXXX XXXX XXXX if you dont believe it is Genuine. I never had a credit card with XXXX XXXX XXXX in 2016. I do currently have a credit card ( Unsecured ) with XXXX XXXX XXXX that is in good standing. I request that Resurgent Capital remove their trade line from my credit report and stop any and all collection efforts against me for this fake debt.
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| 10/21/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Resurgent Capital Services aka Cach LLC purchased a loan in my name from XXXX, a recent credit report shows the account sold to Cach LLC with a balance of {$12.00}, XXXX. The original loan amount is {$6800.00}, it appears XXXX kept adding on interest and fees after payments ceased due to dispute over terms including interest rate. XXXX has numerous complaints/horror stories on several consumer review sites including XXXX in regard to their high interest rates. Further, it appears they do not take into account credit score when calculating interest as they seem to charge everyone the same high rate of 35 %. Additionally, the account is being reported as over 180 days when last payment was made in 2015, which is well over 180 days. I believe the reason for error in reporting and additional interest is an attempt to collect on debt and harm my credit score. Prior CFPB complaints were made against XXXX regarding interest and terms, none resolved. XXXX and the issuing bank, XXXX, both have complaints against them about this issue. I attempted to resolve complaint with XXXX XXXX at XXXX, he defended high interest rate regardless of my credit score at time of application, nothing was resolved. I also attempted to contact XXXX XXXX at XXXX, the number I called from was blocked so calls would not go through. To confirm this, I called from a different number, call went through but the rep stated XXXX does not accept calls. This loan was applied for online and nothing signed, no forms with my signature. That being said, XXXX has no proof of what was agreed upon, if anything. Please advise Resurgent Capital Services of this information should they make attempts to collect on this debt which includes legal action, also I refuse to pay due to high interest rate which was not agreed upon.
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| 11/03/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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LVNV sued me to collect a debt that they couldnt prove was mine and also couldnt prove that they own the debt. So in court they voluntarily dismissed the case after not being able to provide the following proof that the account is mine : authenticated GAAP of said credit card account, the purchase agreement with my wet signature and an Audit trail.
Notice of Cease and Desist This is a warning notice to the alleged wrongdoer of such debt which you're a debt collector because you are simply attempting to collect an alleged debt. I noticed I've been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), there is evidence of the use of abusive, deceptive, and unfair debt collection practices. These practices resulted in the infringement of my intellectual property rights.
According to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and I am demanding all of the following : - I refuse to pay this alleged debt - Stop illegal negative reporting activity to ALL consumer reporting agencies and report as positive reports- A Check of {$6000.00} worth of violations under FDCPA sent to my name and address 15 US 1681 b ( furnishing a consumer report without the consent of the consumer 15 USC 1681 1a, 2b ( furnishing an account that was created from a credit card 15 USC 1692j ( furnishing a deceptive form to make the consumer believe they owe a debt 15 USC 1692 b ( stating a consumer owes a debt ) 15 USC 1692 I a, b ( suing a consumer without authorization of the consumer ) You are civilly liable if I don't receive a response compliant to my Cease & Desist and my demanded payment. That will be an additional violation pursuant to the FDCPA and I will take legal action and litigation will be brought upon you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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LVNV Funding LLC XXXX On XXXX XXXX. I contacted XXXX XXXX after noticing that LVNV FUNDING, LLC ( C/O RESURGENT CAPITAL SERVICE ) listed as derogatory mark on my XXXX and XXXX credit report .I disputed the alleged debt with XXXX XXXX and the response was ( the account information disputed by consumer, meets FCRA requirements ) nothing else. I received no evidence to validate that debt. LVNV FUNDING, LLC FAILED to produce any evidence required to validate the alleged debt within the thirty ( 30 ) day time frame in accordance with 15 U.S.C. Sec. 1681i ( a ). I have NEVER received ANY service or product from LVNV FUNDING, LLC and I have NEVER had a Contract or an agreement to pay LVNV FUNDING, LLC at ANY time. LVNV FUNDING, LLC is GUILTY of Unfair Deceptive Business Practices and I am hereby requesting that the CFPB aid in correcting this matter.
LVNV FUNDING, LLC didn't provide me the legally required validation of debt listed below : 1.Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. 3.Proof that LVNV FUNDING, LLC owns this debt or the contract giving you power to collect 4.Proof that this debt has not been written off as a tax liability 5.In addition, I've recently learned that you're required to send me notification of this or any debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT. And if you think you did, then you must also send me proof that you did. I am demanding all of the following resolution in regards to my complaints -Deletion from all consumer reports. Remove all remarks or comments off my consumer report Cease and rescind any and all use of my information and my signature
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| 04/06/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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1. LVNV FUNDING LLC I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
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| 03/11/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am trying to get an item removed from my credit reports. XXXX claims that on XX/XX/XXXX, i had a computer delivered to XXXX XXXX XXXX XXXX XXXX.I disputed this immediately upon receiving a bill from XXXX in XX/XX/XXXX. I have since then, sent them, and their collection agency numerous letters, requesting they investigate my claim that I never ordered, or received a computer from XXXX. XXXX has written it off on XX/XX/XXXX, they did this after i sent a request to validate and show that I ever even ordered the computer. I was not even living at the XXXX XXXX XXXX address at this time. The property was vacant. I was in the midst of a divorce, and the property was vacated months earlier by both my wife and I. I sent XXXX, and their collection agency proof that I had moved to XXXX XXXX XXXX XXXX PA XXXX. I still reside at that address. At their request, I sent them a police report that indicated Fraud/Identity Theft. They said that wasn't proof enough. I sent them proof that I had moved prior to the delivery of the computer, as well as a signed lease, an notarized Affidavit of Identity Theft, utility bills, and a copy of the change of address forms. That still wasn't sufficient. They said it didn't prove I didn't order the computer. I asked for proof that the computer was ever even delivered to that address, they couldn't provide me the carrier who delivered it, a signature that it was delivered, or even an old tracking number. They did not say they didn't have it, just that they would not share it with me. So at this point, what should be my next step? I've given them everything they asked for, and more. How do I prove I never received something? The amount in collection is {$750.00} XXXX XXXX XXXX XXXX of SS # XXXX. XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX Thank you
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| 05/18/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with LVNV Funding LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving LVNV Funding LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from LVNV Funding LLC. If LVNV Funding LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until LVNV Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and credit collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 04/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
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Web |
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Dear Resurgent Receivables LLC, or to whom it may concern, in my previous CFPB complaint, you mentioned you are licensed, but you never directly answered my question? You answered my question in a deceptive way, CFPB investigate their response. However, I, XXXX XXXX, a natural person, consumer, demands the mentioned documentation below from Resurgent Receivables LLC, also CFPB investigate their response to this complaint, because I believe this company are performing deceptive business practices. Again, the information I demand is below, best regards.
A COPY OF THE BILL OF ASSIGNMENT.
RESURGENT RECEIVABLES LLC LICENSE NUMBER TO PRACTICE IN THE STATE OF XXXX & XXXX AGENT.
A COPY OR WRITTEN PROOF OF A CONTRACT BETWEEN THE TWO US.
PROVIDE A COPY OF WHEN DID I, XXXX XXXX, GIVE RESURGENT RECEIVABLES LLC THE PERMISSION AND WRITTEN INSTRUCTIONS TO FURNISH ON MY CREDIT REPORT PURSUANT TO 15USC 1681b ( a ) ( 2 ).
HOW DID RESURGENT RECEIVABLES LLC CALCULATED THE ALLEGED DEBT AND WHERE DID YOU THOSE NUMBERS FROM?
HOW DID THEY IDENTIFY THE CREDITOR WHO GAVE RESURGENT RECEIVABLES LLC PERMISSION TO VIOLATE MY RIGHT ( S ) TO PRIVACY SINCE THEY ARE A THIRD PARTY?
15 U.S. Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Failure to comply, will result in violation ( s ) and fines.
Best regards.
XXXX : XXXX [ XXXX ] Without prejudice, all natural rights reserved.
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| 06/16/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2022 I Sent A Debt Validation Letter To LVNV Funding Regarding Account # XXXX And Also A Cease And Desist I Recieved A Response From Resurgent Capital Services For Account # XXXX And What Was Stated On The Letter Was This IS A Attempt To Collect A Debt This Is A Violation Of 15 USC 1692b ( 2 ) That's {$1000.00} For That Violation And I Have Proof Of This Violation Then On The Letter It Stated Because Of The Age Of The Debt LVNV Funding Can Not Sue I Asked For A Paper Trail On This Accout Statements Does Not Validate This " Alleged '' Debt And Further More I Would Like Resergent To Send Me Valid Proof They Are Aurthorized To Collect " Alleged '' Debt In My State If The Account Is " Charged Off '' Then How Is It A Balanced Owed As Well? I Never Received A 1099 I Guess LVNV Funding And Resurgent Capital Services Uses Debt As A Tax Write Off Plus Continue To Collect On Money They Already Received I Have Not Ever Done Any Business With LVNV Funding Or Resurgent Capial Services I Would Like To See A Contract With My Signature With Both Company 's Resurgent Capital Services Is Committing Identity Theft Pursuant to 15 U.S Code 1681a ( q ) ( 3 ) Resergent Capital Services has commited the act of " Identity Theft '' Using the identifying information of such Person, Never Gave Them Written Instructions To Furnish Any Information About Me To The Credit Reporting Agenices Resurgent Capital Services Is Causing Me Great Mental Anguish And I Will Seek Litigation {$1000.00} Per Violation As Stated On The Cease And Desist I Would Like A Check Mailed To Me As I HAve Valid Proof Of Your Violations The FCRA IS Here To Protect Me And I Have Rights And You Have Broken Them Also Iv'e Sent A Affidavit Of Truth And Fauiler To Respond To It Line By Line Will Result Is Litigation
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| 04/15/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a debt collection from Resurgent Capital Services who is also affiliated with LVNV Funding LLC for two accounts a Visa and MC in XX/XX/XXXX. I immediately called Resurgent and requested verification of the two accounts trying to collect on and was in turned asked for me to send proof the debt was not mine. I informed the individual it is not my role his company was reporting the debt and should validate. A day later I received notice from my credit reports that the two accounts were reporting on all three credit bureaus reports ( XXXX, XXXX and XXXX ). I immediately sent a written letter requesting verification of the debts in XXXX within the 30 days debt validation.
I received letter dated XX/XX/XXXX that appeared be system automated response ignoring my validation request informing me the information I provided was insufficient to support my claim. It was totally obscured. I sent a second certified request validation letter of which Resurgent in return sent a partial statement appearing to be restructured reporting the amounts in dispute but no further validation of debt, the agreement, their collection rights in my state, age etc as requested within my letters. They never stopped collection activities and removal of the accounts from the credit bureaus as per FDCPA requirements. It appears they intentionally send minimal information to prolong the issue with no intention to validate or delete from the credit bureaus. I have copies of all correspondences.
I have written to all three credit bureaus and provided the correspondences as evidence and they have done nothing. They claimed the debts were validated. How could the debt be validated when I have not received validation? LVNV closed the accounts reporting on XXXX but did not delete them.
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| 03/28/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2018 XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to validate - through the physical validation of the original signed consumer contract - any and all accounts you post on a credit report.
I demand to see Validated Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively validate this account has hurt my ability to obtain credit. Under the FCRA, invalidated accounts must be removed from credit reporting agencies and if you are unable to provide me a copy of verifiable proof such as : 1. The agreement you have in place with the creditor that duly authorizes you to collect on behalf of this debt.
2. The agreement reflecting my signature that confirms my acceptance of the obligation.
3. The complete payment history on this account A copy of a billing statement that you provided, is NOT sufficient validation of me owing this debt to you.
Until your office fully complies with my reasonable 2nd request for validation, I expect that there will be no further efforts on you part to collect on this debt. Additionally, if your office fails to reply to this letter within 30 days of receipt of this debt validation letter, this account must be deleted from my credit profile with all three credit reporting agencies, and no further efforts to collect on it can be made.
Name of Account Account Number Provide Physical Validation XXXX XXXX XXXX XXXX {$2800.00} Invalidated Account see attached documentation for complaint with consumer financial protection bureau for refusing to validate date. 2nd REQUEST FOR VALIDATION Thank you, XXXX XXXX
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| 01/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
|
| 11/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THE COMPANY, LVNV FUNDING LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.
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| 07/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
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| 09/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Got a thing in the Mail by XXXX sent their office by Cach LLC for a Debt that's no longer owed the Original Creditor XXXX XXXX XXXX written it off years ago the Statute Of Limitations for Consumer Debt in Tennessee is 6 years Cach LL C is a bottom feeding Junk Debt Buyer of Old Debt they bought this from XXXX XXXX XXXX for Pennies to the Dollar these bottom feeders will never learn so whenever I get one of these things from these liars posing as fake debt collectors gon na file complaint then gon na report them all the bottom feeders to the FTC for harrasment they didn't use abusive language or anything but still trying to collect on a debt that's no longer owed is XXXX and somebody has to stand up to these people like I said they count on the ignorance of consumers not knowing their rights of the consumer debt laws and they're always breaking the Fair Debt Collection Practices Act Laws I want the true copy verifying that this Debt from XXXX XXXX XXXX is indeed past the Statute of limitations and was written off by them and also show the true copy where Cach LLC and all of their affiliates bought this debt for Pennies to the Dollar and for them to quit scamming consumers out of their money and not applying the money toward the debt itself and instead putting the money into their own pockets and yes I know I'll get a response back from Cach LLC and XXXX saying the Statute Of Limitations saying it limits them from suing but not their ability to collect on the debt but to begin with they ain't nothing but bottom feeders and they're fakers and they all have shady business practices that's wrong to begin with and they know their lying when they do that stuff and lying is wrong and having shady business practices is wrong but the Good Lord above is taking notes
|
| 10/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA. XXXX XXXX XXXX refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}.
On the XXXX payment chart, my account shows no past-due for the date of XX/XX/2018 thru XX/XX/2018, there is a green check mark indicating it was paid on time which is correct. On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted. XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, NV XXXX managing for LVNV Funding, LLC for the amount of {$800.00}.
Although, I explained the fact I had experienced two major hurricanes, and my county was deemed a natural disaster by FEMA, and no concessions were made by XXXX XXXX XXXX due to the hardship. I was unable to pay tis debt on-time due to this natural disaster. I incurred late fees and interest fees due to the refusal of the company trying to accommodate this natural disaster, of Hurricane Florence and Michael, during the month of XX/XX/2018.
Instead, it was reported on my credit report. I notified the company of this matter and again there were no attempts made to offer me concessions for this charge- off account. I recently received a letter from XXXX stating the status of this disputed account, was accurate and modified,
|
| 10/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
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I have PAID IN FULL on an OLD XXXX bill to TWO collection agencies. One is Resurgent Capital and the other is XXXX XXXX. If I am correct I paid a total of {$230.00} to Resurgent on XX/XX/XXXX account for the XXXX account number XXXX but then again I ALSO remember paying XXXX XXXX the SAME amount on XX/XX/XXXX account number XXXX. There are two accounts that I paid to XXXX XXXX ref number # XXXX and reference number XXXX ( or something like that ).
I applied for a XXXX Credit card and got APPROVED for a XXXX credit limit in XXXX of XXXX. Imagine my surprise when I go to check my XXXX account and couldn't get online to view it so I called XXXX. The Rep told me that my the account is PERMANENTLY AFTER I got the credit card AND after I paid the old XXXX account off. I have ordered items from XXXX and have received some of them. The other items were requested to be sent BACK to XXXX BY XXXX because of they said that after reviewing my credit AFTER they gave me the XXXX Credit card that I STILL owed them money and that was the reason they PERMANANTLY closed the account. The credit card account is still open because I have not gotten in the mail and activated it yet but they REFUSED to REOPEN the regular account because of NON-PAYMENT which is not true ... IT'S BEEN PAID and PROBABLY TWICE at that.
I tried to resolve this matter by contacting XXXX headquarters on XX/XX/XXXX and was told that even though i paid the account BEFORE they closed it that I can NOT use the XXXX credit card and my account will stay PERMANANTLY CLOSED. I have contacted my bank and filed a dispute to have the {$230.00} RETURNED to my account on XX/XX/XXXX. it is not my fault that Resurgent Capital did not communicate with XXXX about the payment so therefore they do not need my money.
|
| 07/02/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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LVNV funding is false account. I spoke to XXXX when it was with them. they said they address was in the state of Washington.. I notified them i have never even visited that state. XXXX took it off look at my credit report. then 3 yrs later LVNV bought the account is what the LVNV rep i last spoke to said. I told her same story and i have never been to that state. She said it is here in Michigan. i asked for for what address was it billed to? she told me the address.. and billed from XX/XX/XXXX - XXXX XXXX. I said how can that be i did not live at that address. I moved out of XXXX XXXX XXXX XXXX.. I told the rep at LVNV funding this over 2 months ago, sent me papers to fill out and send back so they can do an eternal check. it did not sound sincere. since the bought the account and just changed addresses anyway. The fact i was not even living at this address when they claim i had service : should prove that this is fraudulent report against me. and has lowered my account at least 60 point since they posted it over 3 years ago. please help me clean up this issue. it is not the only one i have had and disputing. My cousin just reminded me he put they XXXX in his name when we renewed the apartment lease. so it can not be mine.
Check with XXXX XXXX when i Left that apt XX/XX/XXXX.
XXXX XXXX of XXXX - XXXX Thank you for your time and patience, XXXX XXXX They have another account for me going back to XXXX XXXX XXXX / the LVNV Rep asked me if i wanted to settle this acct today. i am furious.. this is not a joke.. i have never had a XXXX XXXX or any c-card for XXXX not mine again XXXX account. I have have had my identity stolen. check with Unemployment someone collected it for 2 plus years. they will not answer now for anyone.. maybe you? this was back in XXXX
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| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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LVNV FUNDING LLC XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately.
THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.
XXXX XXXX FACT ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
XXXX XXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
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| 02/11/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I sent a response letter to collection company LVNV when 1st started collecting and advised rep over the phone that what ever this credit or loan is was not opened by myself or authorized by me. I thought then it was handled and then my son gave me some papers a guy dropped of at our house 3months previous he had forgotten to give me and placed on top of entertainment center. I sent in copy of letter to courts that I sent to creditor months previous. I called company again and they gave no attempt to assist me and was advising me it was proved to be mine and my debt. That is 100 % incorrect. Then next communication I recieved was by my employer advising me of garnishment papers so again i appeared in court but they did not, I was again trying to attempt to get this incorrect collection out of my name and attempt to get the debt placed on the correct person that opened it. I advised both collection and attorney 's office that this must be a case of identity theft or an error by creditor because I was in the process of forclosure and sale of my home and spent about 2 out of the past XXXX unemployed with XXXX income and wouldn't have even attempted to apply for any loan or credit knowing I was without income and my credit history the past 3 yrs. I am not sure how this creditor could have possibly approved anything under my social due to scoring and past due student loans. I have no other tradlines or credit or payments once again due to the lack of income and credit trouble. This is not my account or debt or credit witch ever it may be. I am not even aware nor have I ever heard of the Creditor and I don't even know the kind of account they are trying to garnish for or when the account was opened or what the amount owed is because It is NOT my account.
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| 06/09/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am attempting to clean up my past due accounts. I have two left! This week I pulled an updated copy of my credit bureau report so that I would be able to see the amount ( s ) owed and the status of each account. I noticed that one of the accounts had been ( XXXX XXXX ) sent to a debt buyer, LVNV Funding. On XXXX XXXX XXXX I cal led LVNV Funding and spoke to a gentlemen who was very unfriendly when I told him I wanted to take care of my account but after looking at the balance it did not seem accurate. He informed me that my account had been placed with the law firm of XXXX XXXX XXXX and I would have to contact to law firm to work it out. On XXXX XXXX XXXX I called XXXX XXXX XXXX and spoke to a gentleman named XXXX XXXX . I informed him that my account was placed with the firm. He said that the account was placed there in XXXX XXXX and asked why I had n't called before. I told him that I was unaware my account was placed at this firm and I have not received any call or mail notification. He told me it was not his fault that probably threw it away without reading it. I can assure you ( as I assured him ) I have not received any formal notification of the debt being placed at a law firm. I advised M XXXX XXXX that I did not believe the balance was accurate and offered to pay {$300.00} ( balance {$720.00} ). He said they do not settle balances that size and said would take me to court instead. He said that they would add additional fees associated with court costs. I ended the call and called LVNV Funding. I offered them the same settlement. They refused and told me to call the law firm. I am getting nowhere and refuse to be treated like less than a human when I an trying to do the right thing.
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| 10/21/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Factual or Inaccurate Errors regarding LVNV FUNDING ( Debt Buyer ) and RESURGENT/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX ( Debt Collectors ) Account reporting One Month Term.
I have never signed nor made any terms/agreements with any of the collection agencies listed above or elsewhere.
Account reporting as 120 days late.
I have never opened an account with any collection agency and have never promised to pay monthly payments.
Account is reporting as an Installment.
No terms nor agreements were made when any of the listed or non-listed debt collectors purchased said debt from original creditor. Collection accounts are not installment accounts.
Account reporting the debt as revolving.
Inaccurate After multiple disputes this debt buyer has " closed account '' ( as if I had an account with them directly ) as of this month ( XX/XX/XXXX ) and marked it as a charge-off ( as if they are an original creditor instead of a debt buyer or collector ).
- I recieved letters that were made to look as if they are lawyers ( XXXX XXXX XXXX XXXX ).
- I have been offered debt settlements from different collectors whom LVNV has given my information to ( RESURGENTXXXX XXXX XXXX XXXX XXXX and others ) that has caused confusion regarding said debt.
ers ) that has caused confusion regarding said debt.
- I have been harassed constantly since XX/XX/XXXX with hundreds of letters, emails, and calls from these companies. Yet, despite disputes will not remove inaccurate information and continue to submit inaccurate information, which has significantly harmed my credit - I have requested via Resurgent that these errors be resolved with no reply from company.
According to my consumer rights, I have the right to have my credit reports reflect accurate information.
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| 03/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2023, Resurgent Capital Services L.P responded to the original complaint on this alleged debt. Resurgent stated : " Resurgent does not condone harassment or unprofessional communication with customers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account, we found no evidence of the mishandlings alleged in the inquiry. '' They stated it's their goal, not that they dont make mistakes regarding compliance with federal laws ( FDPCA ) and regulations. Let me be clear Resurgent sent my father an email regarding hearsay information on this alleged debt. Also, may I point out this was before I received the 1692G letter on this alleged debt in the mail. Resurgent Capital Services L.P and LVNV Funding LLC are violating federal law. It clearly states this is a violation under 15 U.S. Code 1692C ( B ). Resurgent clearly states in their privacy notice that they do not share information with third parties. Resurgent & LVNV Funding LLC is clearly violating their own privacy notice regarding federal law. I demand Resurgent to explain their investigation process. I demand Resurgent and LVNV Funding LLC to close this account within their offices, I demand Resurgent & LVNV Funding LLC to cease collection activity on this alleged debt, and Resurgent & LVNV Funding LLC shall not report to any credit agencies. If Resurgent and LVNV Funding LLC does not comply with the information above I will fully enforce 15 U.S. Code 1692k. I will not be harassed, my family will not be harassed, and I will not do business with either Resurgent or LVNV Funding LLC that I did not consent to on an alleged debt.
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| 04/30/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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LVNV has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with LVNV. I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. I want this tradeline removed from all 3 of my credit reports along with a letter stating LVNV promises not to sell this account to anyone or try to collect on this invalidated account again. LVNV buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. Not only that, this debt has been re-aged and has been time-barred and has continuously been reported. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that LVNV needs to be thoroughly investigated for their illegal practices. If LVNV decides to sell this account or transfer it to another one of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit. I have never received anything from LVNV via mail or from their other companies who call ( Resurgent Capital Services ) etc. This is yet another violation of the FDCPA. Please remove this account from my credit reports and agree not to sell it.
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| 05/24/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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The collection agency is called CACH , LLC. Several years ago, they sent me notification of collection for an account I did not open, or do not recognize. They claimed I opened a credit card with XXXX XXXX. When attempting to contact them for more information, they did not answer and did not return my message. They continued to send me collection notices but would not answer my attempts to contact them. I was then sent a summons to appear in court, and I remember the court date being for XXXX. Since they were not answering my calls, I wrote them to get the information about the account I allegedly opened. They did not provide any requested information and only responded that I have to pay the amount they require. Then I received notice that I lost the court case after not showing up in court in XXXX ; the court date had been changed from XXXX to XXXX and I was not sent any notification of this. ( " Playing dirty '' as the expression goes. ) In the judgement itself, they provided false information regarding the communication. Over the years since, they have sent garnishment notices to my employer. I have had money garnished from my checks and then refunded back to me ( apparent legal action against Cach? ), and then later garnishments started up again, stopped with no explanation, and start up and stop again. I have documented that at least {$950.00} has been garnished recently and stopped without explanation, and the judgement is still out there against me though I have not withheld funds. My employer does not have an explanation either. CACH still does not answer when I attempt to contact them. They are maintaining an unpaid judgement against me but are not continuing garnishments and are not showing any record of the funds they have taken.
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| 07/12/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Here is a copy of the letter that was sent on XX/XX/XXXX and recieved by XXXX XXXX on behalf of XXXX XXXX at XX/XX/XXXX at XXXX am according to the us post office records and no removal or response has been made as of XX/XX/XXXX at XXXX est.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Regarding Account : # XXXX Reference ID : XXXX Cease and Desist Pursuant to 15 USC 1692a ( 3 ) I am the consumer Pursuant to 15 USC 1692c ( c ), I am notifying you, RESURGENT CAPITAL SERVICES, in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums, Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor, and I am demanding all of the following : XXXX. XXXX out the balance on this account.
2. I do not give RESURGENT CAPITAL SERVICES, permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ).
3. I do require you, RESURGENT CAPITAL SERVICES, to immediately remove information about this alleged debt from my XXXX, XXXX, and XXXX credit report which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).
4. I do require that you, RESURGENT CAPITAL SERVICES, satisfy demands within 14business days. Pursuant to 15 USC 1692c ( c ), this cease and desist notification shall be complete upon receipt.
5.7. Pursuant to 18 USC 8 all debt is the obligation of the United States of America I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. ( 28 U.S.C. 1746 ) Executed on 06/28/2022 Without Prejudice By : XXXX XXXX XXXX XXXX XXXX. for XXXX XXXX
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| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am attempting to purchase a car from my cousin 's lot so he came to my house to check my credit before i spent time going to the dealership to get approved for financing. Upon reviewing my credit profile on XX/XX/XXXX at XXXX at the address listed, i discovered the listed erroneous accounts reported to my personal credit profile : Account Name : LVNV Funding Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$6500.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$110.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1500.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} Below are erroneous Inquiries : XXXX - XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX
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| 03/08/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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First, this matter has been forwarded to the Washington State Attorney General, XXXX XXXX. Case # XXXX. The original creditor, XXXX XXXX, replied, stating they had NO RECORD OF ME IN THEIR SYSTEM.
This is regarding a debt that I DO NOT OWE, from XXXX XXXX. The original account is from 2006, so it is PAST SoL. The original account was closed, as per XXXX XXXX, via phone, AND fully paid off. I took advantage of the SCRA, and closed original account, WITHOUT EARLY TERMINATION FEES, due to my having to deploy for 90+ days. XXXX XXXX verified this with me, via phone. No calls, no letters, nada. Until a collections letter from XXXX XXXX, XXXX.
XXXX sold the original account, to XXXX XXXX XXXX , XXXX, who, in turn, HAS NOT, TO THIS DATE, provided me with a verification of debt.
XXXX XXXX XXXX , XXXX, keeps selling this debt I DO NOT OWE, to servicers, even though it is PAST SoL and violates the SCRA.
The latest servicer is Resurgent Capital Services, who responded to my previous CFPB complaint, that they would not contact me.
But they did. They sent a verification of debt that DOES NOT verify the debt at all. It's just dates with amounts. No explanation of what the amounts due are for. Nothing.
As far as I am concerned, as per the Attorney General response from XXXX XXXX, the blatant violation of the SCRA, the debt supposedly owed being past the SoL, and the lack of a full accounting, including a breakdown and explanation of charges due, such as early termination fee, past due amount, etc., I consider this matter closed. I have no intention of paying this. Ever.
If XXXX XXXX XXXX , XXXX. wishes to continue to pursue this matter, either via their company, or a " servicing '' company, I will have no choice but to obtain legal services.
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| 06/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American, Servicemember |
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I am asking for your help to resolve an issue I have that involves 2 different companies, LVNV Funding out of XXXX XXXX and XXXX XXXX XXXX out of XXXX XXXX, CA.
In XXXX, I enrolled a delinquent credit card account I had with XXXX XXXX XXXX into XXXX XXXX XXXX ( XXXX ) debt reduction program. That account was subsequently sold to LVNV Funding soon thereafter.
Through negotiation on my behalf by XXXX, the account was settled and for 32 months payments were made to LVNV, ending in XX/XX/XXXX when the account was seemingly paid off.
I continue to receive letters from LVNV Funding, their account management branch Resurgent Capital Services, and a law firm they have hired, XXXX XXXX XXXX XXXX, in my home state of Colorado. They say I owe {$7900.00} on this account. Every single bit of documentation I have shows that the account was settled and fully paid off, and I have provided the documentation to LVNV Funding. Yet LVNV continues to pursue me. XXXX provides very little help in the matter now. When I have talked to them, it seems like they are aware that some kind of mistake or error was made that they're not admitting to. This is just a feeling on my part. I have no evidence.
I am now a XXXX XXXX XXXX XXXX XXXX veteran with 20 years service. I am also XXXX from the XXXX XXXX, Colorado XXXX XXXX XXXX with 17+ years service with them. My only income is Social Security and my XXXX veterans retirement pay. I have had 2 stress related XXXX XXXX since XXXX, and this situation is only adding more stress.
My fear is that LVNV Funding is going to file suit against me, and with the bills I have hiring a lawyer, let alone paying the amount they're asking for if I lost, would be virtually impossible.
Thank you for any help you can provide.
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| 12/06/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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RESURGENT CAP SRVCS LP Last reported XX/XX/XXXX {$8200.00} Open balance was reported- I am unaware of this debt. I sent a letter in XXXX of XXXX asking to send me the contractual agreement between myself and the creditor. I received a letter from them with a screenshot of my credit report displaying the account/information I have no knowledge of. I did advise of multiple fraudulent accounts on my credit as well.
Validation Request Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN *** ** XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account # : XXXX Hey guys, I received your notice and am requesting full validation of the debt. Because I've been fraudulently contacted by debt collection companies in the past for unsubstantiated debts, I now require full validation on all claims. Please provide the following within 30 days from the date of your receipt : 1. Agreement that states your authority to collect on this alleged debt.
2. Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor.
3. Alleged account number.
4. Date this alleged debt became payable.
5. Original delinquency date.
6. Verification that this debt was assigned or sold to collector.
7. Complete accounting of alleged debt.
8. Name and address of the bonding agent for Collection Agency in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
XXXX XXXX I have not received documents requested/verified.
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| 09/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I have never opened/been associated with an account with the alleged bank in which the collection agency CACH LLC has place my name and social security into their database. After doing my own research the dates where I had opened any type of accounts doesn't even match up with the date the collection agency has reported, so it seems the alleged account was re-aged because at that time I was XXXX XXXX XXXX to XXXX, which further leads me to believe it was a fraudulent account. I have never received a debt validation letter, never received a phone call, I never even seen the original creditor throughout any of my credit reports ever. Ive disputed this account several times seeing all sorts of issues for inaccuracies. I've seen this collection agency not update the status since XXXX which is weird because I've disputed, conflicting DOLA across credit bureaus ; something is just strange about this account. I've noticed that less than a year remaining this illegal collection will be removed from my credit report, so im not so concerned about it affecting me long term because I haven't had the need to use my credit so much, however I've decided to educate myself and clean up my credit report from any errors and possible identify thefts. This company has NOT verified or validated this debt and every time I dispute it, the false debt remains on my credit report as if it was validated but yet the last status date is from 5 years ago. Could someone please help because now I am annoyed. Where and who is the original creditor? when was this account opened? what account type is it? did someone falsify my signature? was there even a signature needed? why are there so many inaccuracies cross-bureaus? how did they verify this date to assume it was mine?
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| 12/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have reached out to this company XXXX times about the inconsistency and incompleteness of my credit reports and they have failed to preform a proper investigation as you can see from below how they are reporting the information. Please delete this account at once.
I reached out to the company on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 and they have to respond to any request with proper validation per FTC XXXX.
Payment history is reporting and it should be blank filled. Account status reporting as closed with XXXX and open with XXXX. Account status incorrect should only be reporting as XXXX, XXXX, XXXX, or XXXX. Past due amount should not be reporting as I do not have a contract with this company. Date of last payment is not reporting so I do not know the purge date or if it's still inside the statute of limitations.
LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXX XXXX XXXX XXXX Account # Account Type Open Open Type Detail FactoringCompanyAccount CollectionServices FactoringCompanyAccount Finance Ownership Individual Individual Account Status Closed Open Payment Status CollectionOrChargeOff CollectionOrChargeOff Monthly Payment Date Opened XXXX XXXX Balance XXXX XXXX Terms XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance XXXX XXXX Credit Limit XXXX XXXX Past Due XXXX XXXX Last Reported XXXX XXXX Date Last Active XXXX XXXX Date of Last Payment
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| 08/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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The debt collector LVNV funding - reported on my credit for an amount of {$1400.00} in XXXX of XXXX for an XXXX XXXX Credit Card that was last delinquent in or around XXXX. Firstly this debt is older than 3 years, and has passed the state of limitations in the State of North Carolina, when LVNV reported it to the credit bureaus. Prior to them reporting this debt to my credit, I hadn't received any notification of said debt. After doing some research and attempting to purchase a home, it was bought to my attention that they had filled a judgement on me. I was never served papers nor did I have the opportunity to dispute the debt, before the lawsuit was filled. I reached out to LVNV funding on or around XXXX / XX/XX/XXXX to obtain information of said debt. They directed me to Resurgent Capital Services. I then attempted to dispute the debt with them, they advised that I need reach back to LVNV funding. I did just that. After speaking to a representative, I verbally disputed the debt, and they informed me that they would be sending my documentation to validate the debt. I did not receive said documentation. I then disputed the debt by sending a letter. I thenI attempted to call back two additional times to just settle the debt, and this is preventing me from moving forward from purchasing the home. Each time they refused my settlement offer. I explained to them that I did owe the debt, however the amount I wasn't agreeing with. I am filling this complaint as they are unwilling to work with me, they have filled a judgement on a debt that was outside of the statute of limitations, at the time the debt was presented to the credit bureaus. Lastly as a consumer - I don't believe I was notified properly about the debt, provided details about.
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
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The following debts belong to my father who died from XXXX in XXXX XXXX. His death certificate was sent to the original creditors and they sold his debts anyway to collectors who tried to collect the debt that's not mine for two years. My father live with me the last year of his life during that time stole my identity his name is XXXX XXXX XXXX XXXX and obtain credit cards services at the hospital and wrecked my life. A XXXX XXXX XXXX XXXX judge has already dismissed two of the following debts has not mine when they tried to sue me yet they keep putting it back on my credit. The following is a list ( XXXX XXXX XX/XX/XXXX {$1600.00}. Disputed twice still on XXXX credit report ). ( law offices XXXX {$2600.00} XX/XX/XXXX ) ( Resurgent funding. 2 accounts. {$1300.00}, {$1400.00}. Cards obtained XXXX XXXX. Collection began XX/XX/XXXX. ( XXXX XXXX {$4300.00} XX/XX/XXXX. Never applied or received the loan from these people never received funds ). ( XXXX XXXX XXXX. XX/XX/XXXX {$760.00} this list of collections not my debt. They were all obtained by stolen identity yet they punished me now my good credit all these years. In comparison if you look at my legitimate accounts I have never had a late payment or a missed payment in 30 years. I paid off my student loans my home my car 's various different loans over the years without ever missing a payment this in contrast for the false information that basically has my life shut down now at XXXX XXXX XXXX. I'm appealing to you for help in this matter immediately as it is basically cause all doors for me and my wife to move forward in life just in our retirement time. Please help us I know I'm small and insignificant and probably not even worth a lot but I have a lot of faith in you thank you.
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| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Extended Complaint regarding case # XXXX.
The FDCPA has already defined what communication means via 15 usc 1692a ( XXXX ) The medium that LVNV funding LLC has chose to use is my consumer report for an alleged debt I do not owe.
Secondly another violation LVNV funding LLC has furnished very deceptive forms making it seem like a creditor and LVNV funding LLC is attempting to collect a debt. which is a violation of the FDCPA 15 usc 1692j according to 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
This has cause distress in my life and is harassment regarding a debt I do not owe this has cause the undermining of my credit worthiness and as prevented me from acquiring a mortgage and has put me into a deep harmful XXXX. The ways these debt collectors prey on consumers has to be stopped this is not fair and that is why congress put into place the FDCPA and STILL companies dont follow the law. I really hope congress finds a way to stop the abusive practices from debt collectors that try anyway they can to take from consumers as a profession. During the congressional findings congress found this to be true and accurate. That there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy
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| 07/17/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American, Servicemember |
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XXXX XXXX, I could not access my account at XXXX XXXX to make a payment. I contacted Customer Service ( CS ) and reported inability to access account and they informed me that a payment had been made leaving my account in a credit balance. I informed them that I had not made that payment and close the account immediately. Gave them my information and was told fraud investigation was being initiated. I later found out that XXXX XXXX accepted the payment which cleared and they opened another account and crooks had access to my account. After many calls, I was finally given a password in XXXX by CS who was sensitive to my aggravation. After that I was in contact with Mrs. XXXX who told me she was sorry and I told her I had not been able to access my account and I was receiving correspondence via email of the changes on my account and they ghad been sending my cards to persons in Fla. No one bothered to close the accounbt in XXXX. Crooks had access to my account, got credit increases and the whole personality of my account changed as I later found out via Mrs. XXXX butr XXXX XXXX kept changing cards and mailing them to everyone but me. My initial credit card was in my possession during these times. XXXX XXXX cleared off some interest and charges but told me I was responsible for XXXX. They accepted the funds received from crooks and yet they were charging me. They got over like a fat rat and I am not paying. I filed a police report on XXXX XXXX after speaking with XXXX XXXX. Report # XXXX XXXX, Ohio police dept. This is a hot mess and I am XXXX years old and now theyt charged off account and gave to collection agency. I told collection agency take me to court and I got all the info for the judge and I am not paying a XXXX dime - ever!
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| 12/10/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XXXX XXXX, XXXX I was sued by XXXX XXXX XXXX for the amount of XXXX from a company called XXXX. The bank holder for that company is " The XXXX XXXX XXXX XXXX XXXX ''. For a debt that I did not owe and never owned. I proved in court that I was a victim of identity theft. The account was opened in XXXX XXXX, XXXX and I filed a police report on XXXX XXXX, XXXX. The case was dismissed on XXXX XXXX, XXXX. Well XXXX XXXX XXXX never took this debt off my credit report. Instead they sold it months later to a company called Resurgent Capital Services. And Resurgent Capital Services has repeatedly called my home and threatened me with lawsuits, judgements and said that they will continue to contact me, and keep this bill in collections until paid. Resurgent Capital Services also stated that the information that I sent them was not sufficient enough. I have sent them court dismissal documents from the last time XXXX XXXX XXXX took me to court, police reports stating that I was a victim of forgery and counterfeiting ring in XXXX, Texas. I even listed some of the items that was stolen out of my home but Resurgent Capital Services says the documents that I sent is still not enough. I have been dealing with these two debt collectors coming up on 2 years they have kept this debt that they claim that I owe in collections for almost 2 years. And have ruined my credit, I have tried in so many ways to resolve this and I 'm frustrated please help me if you can with this situation. I have listed the companies involved in this complaint please get back in touch with me.
XXXX XXXX, XXXX. Resurgent Capital Services L.P .
XXXX XXXX, XXXX. Attention : Correspondence Dept.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO. XXXX XXXX, SC. XXXX Thanks in Advance,
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| 07/19/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I sent a debt validation letter to LVNV Funding LLC over 30 days ago and have not received a response. It has come to my attention that the collection agency associated with this account, LVNV Funding LLC, is not licensed to operate in the state of Texas.
As a consumer, I have the right to ensure that any information reported on my credit file is accurate, fair, and in compliance with applicable laws and regulations. The licensing requirements for collection agencies in Texas are outlined in the Texas Finance Code, specifically Chapter 392. In this case, the collection agency 's lack of proper licensure raises concerns regarding the legitimacy and compliance of their debt collection practices.
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the collection account from my credit file. The following details are provided to assist you in your investigation : Account Number : XXXX Collection Agency : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX Date of Collection Account Reporting : XX/XX/2018 Furthermore, I have attached copies of any supporting documentation, such as correspondence or records, that demonstrate the collection agency 's lack of proper licensure in the state of Texas.
The presence of an unlicensed collection agency 's account on my credit file violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and The Fair Debt Collection Practices Act ( FDCPA ). I trust that you will take this matter seriously and address it promptly to ensure the accuracy and integrity of my credit report. If necessary, I am prepared to pursue further remedies available to me under the FCRA and other applicable laws to protect my consumer rights.
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| 06/24/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This consumer filed complaints with the CFPB against XXXX XXXX XXXX and Cach llc. XXXX XXXX XXXX answered first and in their response indicated that Cach llc declared chapter XXXX bankrupty and subsequently their entire portfolio was sold to Resurgent Capital Services. The response that this consumer received in regards to it's complaint against Cach llc was from resurgent capital services and no where in their response did they indicate there had been a bankrupty and that this consumers judgement debt had been sold. Cach llc/resurgent capital services and their attorneys knew or should know that when a debt is sold the rights to enforce it must be assigned and resurgent capitals response to this consumer is misleading as they have omitted any reference to the bankruptcy which ended cach lls ownership of the debt.
Subsequently XXXX XXXX XXXX on behalf of cach llc filed a writ of garnishment against this consumer in the XXXX district court of XXXX XXXX mi. This consumer objected in part due to the lack of an assignment. A hearing on the objection was held on XX/XX/2019. the court adjourned for 30 days to give cach llc time to get the assignment as required by the statute of frauds in michigan. At a hearing held on XX/XX/2019 an individual who did not clearly state his name and did not state his P number on the record appeared on behalf of cach llc still without an assignment and indicating that XXXX XXXX XXXX bought the debt to which he and Judge XXXX XXXX agreed to. Judge XXXX XXXX changed his opinion on the plaintiff needing an assignment to the defendant needing to prove that cach llc and its portfolio was sold to resurgent capital services in a chapter XXXX bankruptcy which the defendant has procured from the public record.
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| 10/01/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This complaint submission is in regards to a false credit report by LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information reguarding this alleged debt. I then spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through fax confirmation that LVNV FUNDING LLC representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time LVNV FUNDING LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$13000.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. After several attempts to rectify this matter, LVNV Funding then sent my personal information to a 3rd party referred to as ( XXXX XXXX XXXX ) who claimed to represent the company. At that point, they began demanding more personal information and stated I need to pay them in regards to the debt owed. I am firmly requesting LVNV FUNDING LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX XXXX XXXX XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. LVNV FUNDING LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
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| 05/18/2018 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by Resurgent Capital Services. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years.
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXXor XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report.
Thank you
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| 03/25/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I had a loan with XXXX XXXX, that I was falling behind on due to a layoff. XXXX sold the loan to XXXX XXXX before it was 120 days late. I had never received the validation letter from XXXX XXXX and when I was in contact with them via phone around XXXX or XX/XX/XXXX they stated they were apart of XXXX and made me believe they were a company within XXXX. ( Like they were an in house collection ). They first asked if I could settle which I could not and said it was fine to just set up small good faith payments, and we would workout a settlement at a later time. I went ahead and set up small good faith payments with no documentation because I thought I was speaking with XXXX XXXX who was already handling my loan. Fast forward to XX/XX/XXXX and they have reported on my credit file over a year later that this account is in collection with a collection agency. Unbeknownst to me I thought XXXX was apart of XXXX and that this was not with a collections agency and never received any documentation that this was sold to a different company nor have I ever received the Collection Validation letter that you receive when you are sent to a collection agency. Then I also find that XXXX XXXX also sold them my file before I even defaulted which was why I was confused about the debt, and was so willing to continue payments and started payments without question to XXXX XXXX. Both companies were very deceptive in how they conducted business and I also want the debt validated, because what XXXX reported as delinquent and what XXXX shows with the small payments that I have been making do not match. I am afraid at this point they will not honor my validation request because they never sent me the initial validation of debt letter, which is illegal.
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| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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LVNV Funding LLC is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX, XXXX, and XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theftXXXX XXXX XXXX XXXXXXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
LVNV FUNDING LLC is sharing my nonpublic information with nonaffiliated 3rd parties XXXX, XXXX, & XXXX. LVNV FUNDING LLC does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are violating my rights to privacy as a consumer, they withheld my rights to be able to opt out of sharing reporting private inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
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| 07/22/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After reviewing my credit report I noticed a account I was unfamiliar with from a debt collector LVNV Funding LLC C/O Resurgent Capital for a total of {$900.00} I sent you a requests for Validation not a requests for verification or proof of my mailing address, on XXXX XXXX, 2017, XXXX XXXX, 2017 and finally on XX/XX/XXXX.All in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g , Section 809 ( b ). Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. In a good faith effort to resolve the matter amicably, I stated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their ( LVNV Funding LLC ) authority in this matter. I advised absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. LVNV Funding LLC sent to me a printout they had generated with sale ledger and of a copy of a bill statement from XXXX XXXX with my name on it. They have not provided any type of contract showing they have the authority to collect or official documentation showing they own the debt but continue to report negatively on my credit report despite 3 written requests for validation they ignored.
LVNV despite my valid request for validation have sent numerous letters stating they are reviewing the account but provide no results. They have even gone as far as to offer me a pay for delete offer through their sister company. They openly violate the FDCPA and refuse to validate any debt but stall and delay in order to undermine the law.
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| 12/09/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Older American, Servicemember |
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I have a Judgment against me District Court XXXX County, Civil Action No : XXXX, amount of Judgment {$850.00} plus interest. From XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX.
My girlfriend got a letter from XXXX XXXX dated XXXX/XXXX/XXXX, notifying her that a hold has been placed on her safety deposit box at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The reason for this was because my name is on her safety deposit box, which has her family property in it, nothing in there is mine. I called XXXX. XXXX XXXX who is handling this for XXXX XXXX XXXX, the account in question has been closed for over a year, there is a XXXX XXXX debit card assigned to that account which has also been frozen, I explained to XXXX XXXX that all my money at that bank is Social Security monies, he told me that I had to send him the last 3 months checking account statements, that they would look at them and then decide if they would release the block. I myself have a safety deposit box there also which has been blocked from, they can have it as it only has XXXX XXXX XXXX dollars in it. I also explained that according to Section 207of the Social Security Act ( 42 U.S.C.407 ) states " The right of any person to any future payment under title shall not be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or orher legal process, or to the operation of any bankruptcy or insolvency law ''. Subsection 207a or 207b do not apply to this matter.
He also refused to accept my award letter as proof from the Social Security Administration.
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| 05/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear Fraud Department, I am the victim of identity theft. Someone used my personal information including my name and Social Security number to open an account with XXXX XXXX XXXX. This account was sent to LVNV Funding/Resurgent for collections. I am working with XXXX XXXX XXXX to resolve this issue. Once I was made aware of the fraudulent account, wedisputed the account with LVNV Funding. I was asked to send a copy of my fraud affidavit and drivers license to them for review. These documents were sent to them on XX/XX/. Included in the documents was a written request for all documentation related to the case. I have not received those documents as required by law.
My XXXX XXXX XXXX agent spoke with LVNV Funding on XX/XX/2023 and was advised that since there was a court ruling in the situation, they would not be marking the account as fraudulent.
The court ruled against me because I was not aware of the account and did not have the opportunity to defend myself and explain that the account was the result of identity theft.
I would like to reiterate the following points : * I did NOT open this account, and was not aware of its existence.
* I did NOT receive notification of the account, the collection activity, or the court case until recently.
* I have NOT received the documentation related to the account that I am legally entitled to.
Please see the attached copy of the fraud affidavit filed with the FTC and a copy of the police report filed regarding this situation.
Resolution : Please review the attached documents and mark the account as fraudulent.
Please let me know if you have any additional questions or concerns.
I can be reached directly via phone or email .... ( include details ) Thank you
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| 12/22/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX Resurgent Capital Services sent me a collection notice starting that they manages an account from original creditor XXXX XXXX XXXX, XXXX. regarding current owner LVNV Funding LLC which is a collection company as well stating they have initiated a review of the inquiry to collect a debt for the amount of {$2600.00}. I responded with a letter to validate the debt that they say I owe to them and who gives them a right to collect the debt. This company has not been able to properly validate this debt as of yet. I received a response from them in the mail on XX/XX/XXXX with the account summary of a debt with borrower information including name, address, city, and state, zip code and current account information with the owner which is LVNV Funding LLC, Resurgent reference # the original creditor name and account #, current balance due amount which is {$2600.00}, and date of last payment XX/XX/XXXX. The historical account information stating the original creditor for the account, the origination date, the account charge off date, the account was acquired on or about, the account balance at the time of acquisition. I also received another letter of a bill with my name on it stating I owe this amount. Another validation letter sent to XXXX XXXX , XXXX for the same amount on XX/XX/XXXX asking to properly validate this debt returned with improper validation. Another letter went out on XX/XX/XXXX to properly validate this debt and still not able to validate correctly to prove that I owe this company or the debt. This debt still appear on my XXXX credit reports only. I want this company to stop reporting this to my credit reports because it does not justify a debt I owe and who gives them the right to collect it.
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| 08/30/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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CFPB Case No. XXXX LVNV Funding LLC , d/b/a Resurgent Capital Services L.P., in response to your query on my behalf ( re : your case number annotated above ), agreed to " satisfy the account for {$9100.00}, '' as long as I rendered a payment by XXXX XX/XX/XXXX. In compliance, I submitted the first payment in the amount of {$200.00} ( via direct debit - telephonically ), XXXX XX/XX/XXXX. After the initial payment was made, I authorized the collection agency to make recurring automatic deductions from my bank account in the amount of {$150.00}, on the XXXX of each month ( XXXX 's deduction was in the amount of {$160.00} ). The recurring automatic deductions continued without interruption, through and including, XXXX XX/XX/XXXX, bringing the total amount paid to {$4100.00} I made an additional payment of {$1600.00}, XXXX XX/XX/XXXX, bringing the grand total paid to {$5800.00}.
Based on their documented agreement to satisfy the debt for {$9100.00}, less my total payments equating to {$5800.00}, the remaining balance is {$3300.00}. However, the collection agency continues to erroneously report the outstanding amount as {$7400.00}, on my credit reports, and seemingly intentionally refrained from documenting the scheduled payments on one of my credit reports ( XXXX ).
Furthermore, every time I telephonically asked the collection agency 's representative why the settlement amount was never documented on my credit reports, nor via any of the " payment received '' e-mail transmittals, I was consistently informed that the settlement amount would only be reflected after the entire amount had been paid.
I decided to stop making payments based on my belief that they had no intentions of honoring the initial agreement.
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| 03/07/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This collection company called LVNV Funding that is located on C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX continues to harass me about debts that i do not owe or have any clue what they are. I have Personally never seen a contract from them between my self and them proving that i owe them anything. LVNV Funding is reporting an alleged debt on my consumer report XXXX, XXXX that i have never seen before. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. XXXX XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c.
I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly
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| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I was sued in XXXX from LVNV Funding regarding an account from XXXX XXXX. My wages were garnished on 3 separate paychecks on the following dates : XXXX for {$450.00} ; XXXX for {$630.00} ; XXXX for {$3.00}. My company sent the money to the XXXX XXXX Clerk of Courts. I spoke with a lady at the clerk of courts office this past week and she informed me that she reached out to the law office of XXXXXXXX XXXX XXXXXXXX on 3 separate occasions, those dates being XXXX, XXXX, and XXXX, to request that their office send her an order for funds so that she could send the funds to them. However, their office never returned her phone calls and did not send her the order she requested. She then sent the funds to the unclaimed funds division of the state of Ohio. I disputed the account on my credit report some years ago and requested it be updated to show it was now paid since they garnished my wages. They are saying I still owe them the money and refuse to correct their own mistake. I reached out again to them this XX/XX/XXXX to request again that it be updated because my wages had already been garnished and my debt was paid. I received a letter from them today XXXX stating that according to there investigation they have not received the money and therefore I still owe them the debt and it continues to collect interest, so every single month they are submitting to the credit bureaus that the amount is increasing and hurting my credit and this may very well jeopardize the current purchase of a home I am trying to make. I should not be punished for their lack of follow through on a judgment that was paid. There should be some form of restitution for continuing to ruin someone credit for a debt that was paid over 3 years ago.
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| 11/12/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I did receive a timely letter dated XX/XX/XXXX from XXXX XXXX XXXX that my account ending in XXXX was sold to LVNV Funding in the amount of {$710.00}. I ignored it as a scam, or someone trying to get personal information. I never had a bank application from XXXX XXXX. I never made a transaction. I never received a monthly statement or bank card from XXXX XXXX. My wife nor I had no such account.
I did receive a timely letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX stating LVNV is offering me a discounted offer of {$700.00} in 6 payments of {$110.00}.
I did receive a timely letter dated XXXX XXXX, XXXX from XXXX and XXXX XXXX. stating I owe LVNV {$840.00}.
These 3 letters are the only items I received, I received no emails and filed them with a picture of my XXXX XXXX XXXX bank card with my account ending in XXXX that expired in XXXX XXXX.
I received a garnishment letter from my employer on XX/XX/XXXX in the amount of {$960.00} ( incl. court costs ). I requested a hearing, it was on XXXX XXXX. The Magistrate at my Municipal Court didn't provide me any more information than I provided here. I didn't see anything he had except he showed me a sealed certified letter that had my name and address on it. He said the prior Judge XXXX signed the order in XXXX and there is nothing he can legally do.
I called XXXX XXXX XXXX XXXX on XX/XX/XXXX. She was polite and said a Debt Verification letter will be mailed and to call back when I receive it to explain what I'd like to from there. I called back on XX/XX/XXXX because I haven't received it. She said I should have received on the XXXX.
I called XXXX and XXXX on XX/XX/XXXX to request a Debt Verification letter.
As of XX/XX/XXXX I still haven't received a letter.
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| 06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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According to the Fcra once an account are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX balance and no longer have a past due amount this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting.
LVNV Funding LLC # xxxxxxxxxxxx XXXX has a past due amount listed on the account with all 3 credit bureaus which is incorrect reporting please see proof of inaccuracies in the photos I have included They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 07/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Okay. Apparently, the problem with Resurgent / LVNV has NOT been resolved. This is a continuation of complaints XXXX and XXXX. Those two complaints dealt with the fact Ive had a standing agreement with this collector for the past two years to only contact me in writing. In XXXX of this year, one of their third-party collectors did something goofy with my account and started calling me again in violation to my written FDCPA request. The underlying problem is : the response Resurgent submitted through the CFPB on XX/XX/XXXX doesnt say A SINGLE WORD about the violating phone calls, when that was the whole reason for the complaint! As for the reason Im filing this new complaint : On Thursday XX/XX/XXXX, I received two long letters from Resurgent that were written as if I had contacted them for debt validation. On Friday XX/XX/XXXX, I received a third exact letter with several pages of debt validation. And on Saturday XX/XX/XXXX, I received a fourth very short letter that just says Resurgent has issued a review of my inquiry. I NEVER requested debt validation! The first three letters I received in the past two days are completely identical. The fourth letter is the only different one. I also received a one-page letter at the beginning of the week ( Monday XX/XX/XXXX ) that was very similar or identical to last letter I received on Saturday XX/XX/XXXX, but I threw it away when I received it, because it didnt say anything substantial. You guys at Resurgent are going positively insane with this debt validation mail. Why are you spamming me with all these debt validation letters, when the problem was never about debt validation to begin with?! The problem was the illegal phone calls that violated my FDCPA request!
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| 07/13/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights.
LVNV FUNDING LLC XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Which I did not consent to. I have not spoken to anyone from LVNV FUNDING. I have not confirmed that this is or is not my debt.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Which I have disputed for inaccuracies. There is no agreement with alleged client that grants authority to collect on this alleged debt. They knowingly are attempting to collect a debt knowing they have no signature or proof that I owe this debt which is a violation 15 U.S.C. 1692e which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Also according 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
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| 06/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received two letter in XX/XX/2021 from a third party debt collection agency. A third party company cant purchase my information under the law 15 USC 1692 ( b ) it is infringing my consumer rights and privacy. How did they get my information? I didnt give it to them its safe to assume they stole my identity because I never gave them permission to have it. Which is a violation 15 USC 1681 ( 3 ) In addition the letter did not disclose that this is an attempt to collect a debt which is a violation under 15 USC 1692e ( 11 ) I received mail from and unknown company with an account number and positive balance it didnt say it was an attempt to collect debt. I was under the impression that I was about to receive money, how do you pay on a positive balance?
Under 15 USC 1692d the letter was threatening to report me to the credit bureau for this alleged debt if I failed to fulfill the terms see attached my reputation is ruined under the FCRA 15 USC 1681 all you have to do it pull my credit and see how its been ruined In addition 15 USC 1692e misleading and false representation of the amount of the debt again how do pay on a positive balance.
I was not given validation of the debt which is required by law I am the consumer and under the law 15 USC 1692 G ( c ) I dont owe and debt this is alleged debt and I am not obligated to pay. I am the only one that can validate. No investigation was done and If It was no information was provided Under the law 15 USC 1681 AE you have to do interviews with family, associates and neighbors I have been injured multiple times all listed above this has cause me a great deal of stress ruined my reputation caused embarrassment I need this fraud to stop I need to be made whole again
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| 05/31/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I, as usual, wanted to check my credit score back in XX/XX/2018 and discovered that I had a debt with XXXX XXXX XXXX of {$730.00} and that it was never paid. I never had any accounts or solicited the credit card, so when I called the XXXX XXXX XXXX Customer Service explaining that someone opened the account under my name but with an address from NY and it was a case of identity theft. What they did was give me the address to send all the request docs as proof. 1 week later I sent all the docs via fax and mail. What they did was updating my information and started sending letters asking to collect the debt. I never received a call from their fraud department investigating the fraud. I decided to call them at the end of XX/XX/2018 and they told me that they no longer had access to the debt and that my account had been transferred to a debt collector agency - Resurgent.
Resurgent Collection Agency contacted me by XX/XX/XXXX of last year and they were very responsive about getting paid but never with the intention of giving me the necessary information to solve the problem.Two months later, after going thru the process of disputing the debt they came to the conclusion that it was a case of identity theft. They were supposed to foward all the information to XXXX XXXX XXXX. A few days later I receive a letter saying that they couldn't process any of the claim because it was no longer serviced by them and it ws in the process of being transfered.
I get back on the phone with XXXX XXXX XXXX and they can't do anything on the account because now it was now XXXX XXXX XXXX who had access to my account. I already sent the documents and they have sent more than 15 letters trying to collect the debt that is not mine.
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| 07/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2022 To Whom It May Concern, this letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
1. LVNV FUNDING LLC : COLLECTION ACCOUNT, XXXX Balance XXXX : Remove from Credit Report Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Sincerely yours, XXXX XXXX
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| 04/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX To whom it may concern, Ive been working to have accurate information displayed on my credit report, I have been doing so with the following credit reporting agencies XXXX, XXXX and XXXX. The following collection agency LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX SC XXXX has refused to provide legal verifications with signatures and in some cases have not met the legal burden of proof for authentication, is unwilling to produce evidence of legal verification and validation this was the reason the account was previously deleted. They have even re-dated a tradeline that was previously deleted.
Despite my numerous requests to have the legal requirements met which warrants these accounts removed, the collection agency continues to provide this information and refuse to withdraw this information from my report in violation of the below-mentioned statutes. Below are the sections of the FCRA they refuse to comply with, adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes and subsequent letters to the collection agency in question and the CRA I have not received suitable resolution. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation.
1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached documents that substantiate my claims Regards XXXX XXXX XXXX
|
| 07/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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Okay. Apparently, the problem with Resurgent / LVNV has NOT been resolved. This is a continuation of complaints XXXX and XXXX. Those two complaints dealt with the fact Ive had a standing agreement with this collector for the past two years to only contact me in writing. In XXXX of this year, XXXX of their third-party XXXX did something goofy with my account and started calling me again in violation to my written FDCPA request. The underlying problem is : the response Resurgent submitted through the CFPB on XX/XX/XXXX doesnt say A SINGLE WORD about the violating phone calls, when that was the whole reason for the complaint! As for the reason Im filing this new complaint : On Thursday XX/XX/XXXX, I received two long letters from Resurgent that were written as if I had contacted them for debt validation. On Friday XX/XX/XXXX, I received a third exact letter with several pages of debt validation. And on Saturday XX/XX/XXXX, I received a fourth very short letter that just says Resurgent has issued a review of my inquiry. I NEVER requested debt validation! The first three letters I received in the past two days are completely identical. The fourth letter is the only different one. I also received a one-page letter at the beginning of the week ( Monday XX/XX/XXXX ) that was very similar or identical to last letter I received on Saturday XX/XX/XXXX, but I threw it away when I received it, because it didnt say anything substantial. You guys at Resurgent are going positively insane with this debt validation mail. Why are you spamming me with all these debt validation letters, when the problem was never about debt validation to begin with?! The problem was the illegal phone calls that violated my FDCPA request!
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I have recently submitted XXXX certified letters containing police reports, identity theft affidavit, and a signed document from the XXXX XXXX XXXX # XXXX. To notify your that I am a victim of identity theft, and that the accounts they are reporting on my credit files are fraudulent. They keep ignoring all the police report and putting unknown accounts on my credit files.
They have recently deleted some accounts and then added them back to my credit files. I have sent several notices from the companies that these accounts are indeed fraud. Yet they still report them.
Creditor : XXXX XXXX Account # : XXXX Balance : {$0.00} Creditor : XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00} Creditor : XXXX Account # : XXXX balance : $ {$19000.00} Creditor : XXXX XXXX Account # XXXX XXXX : {$430.00} Creditor : XXXX XXXX Account : XXXX Balance : {$230.00} None of these companies have my accurate personal information. All of theses creditor did not have authorization from me to obtain any credit accounts.
After I carefully contacted each creditor no credit has accurate information to report anything on my credit files.
The names are misspelled, the address are fraud I never resided at any of the addresses on file.
All of my consumer statements have the wrong information in it. I have contacted these bureaus to inform them of theses identity theft issues, but my efforts are being ignored by these companies. I have no knowledge of these accounts, nor the fraudulent information they are reporting to my credit files. They have been violating my consumer rights and making my life difficult. I cant even use my own personal information because these companies are basically reporting inaccurate information.
|
| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
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| 05/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I have a past XXXX bill that was OPENED in XXXX ... NOT XXXX the creditors are stating it was opened in XXXX of XXXX WHICH IT WAS NOT.. I been disputing to get them to update my credit report am XXXX XXXX I have XXXX XXXX XXXX in both ears I can not hear on the telephone or I would call the creditors and speak to them but unfortunately I cant cus I cant hear on phone..I am on limited income SSDI am due to the Corona Virus I am supporting family members cus they were layed off till they can get a job I only get XXXX a month I cant make the payments am trying my best to get my credit back in order I just recently payed off one credit card and am trying to contact XXXX to see if I can make payment arraignments but there not responding now that I payed off the last credit card I cant afford to pay no more then XXXX dollars a month I am aware I owe but I thought I would try my best on tying to dispute this And have it removed from my credit report because they listed the wrong info about when the XXXX account was opened I have documents to prove it it was open in XXXX its an old debt That I was unable to pay due to lay-off at the time and I know now how important it is to pay you bills on time an am learning through my past mistakes am am dealing with the conquences now On trying to better my credit and Now I know how important it is to have good credit I know now you cant get no where in life with out having that..The creditors have added comments On my credit report that it will be signed over to an attorney they marked it Dergotory am trying here ok can you please look it over on trying to delete this from my credit report due to wrong dates to when the account was opened..
Thank You XXXX XXXX
|
| 05/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection.
I, XXXX XXXX, Consumer, dated on XX/XX/2022 am putting Resurgent Receivables LLC on notice to cease and desist all communications with me.
Also, I am fining Resurgent Receivables LLC for {$5000.00} pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Resurgent Receivables LLC has violated my consumer rights and you are on notice as of XX/XX/2022 and will be invoiced for each violation according to federal law 15 U.S. Code 1692k - Civil liability.
Also let XXXX know, pursuant 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.
Because it is sufficient evident, Resurgent Receivables are attempting to collect an alleged debt of extension of credit by extortion means.
Thank you, and best regards!
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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.I previously a letter regarding this dispute on XXXX and was Originally disputed and requested investigation and no response. The below accounts : RC/Resurgenr Recievable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Acct # XXXX {$520.00} are in fact inaccurate and should be removed Immediately. ThIs account is fraudulently Reported under the following : CALIFORNA CIVIL CODE SECTION 1950.5 ( B ) CALIFORNIA PENAL CODE 530.5aPC 15 U.S. Code 1681i ( the following I have previously provided supporting documents for penal Code 530.5PC identity theft ) In view of the foregoing, I am disputing the balance shown in my report and requested an investigation of the matter in accordance with [ 15 U.S.C. 1681i ] of the Fair Credit Reporting Act, which states in part : ( a ) ( 1 ) ( A ) In general. The Fair Credit Reporting Act ( FCRA ) requires the consumer reporting agencies to investigate and return the results of its investigation to you within 30 days of Deletion of the account If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ( d ) and 1681j ].
|
| 05/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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The original creditor is XXXX XXXX.
- The debt collection agency is LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX PH : XXXX OR PH : XXXX.
- The amount listed on the credit bureau reports is {$560.00}.
- I have attempted to dispute this account minimum of 2x with each individual credit bureau agency ( XXXX, XXXX and XXXX ). I have also called LVNV funding directly requesting a validation of the debt. I do not recall this debt at all.
- When I reviewed my XXXX report it list date of first delinquency XX/XX/XXXX ; delinquency first reported on XX/XX/XXXX and the date the account was first opened XX/XX/XXXX. How do these dates make valid sense? I am simply requesting an explanation and proof of this debt.
- When I reviewed my XXXX report is states date placed for collection XX/XX/XXXX.
- When I reviewed my XXXX credit report it states collection opened on XX/XX/XXXX and the account type is a " FACTORING COMPANY ''.
- I have all three copy of copies that support this information above. I have also attempted to contact XXXX XXXX - but I was advised to contact the debt collection agency. I have a current XXXX XXXX credit card holder this is further more I do not understand what account this debt collection agency states that I owe. It is my right to be provided documentation to this aforementioned account. The credit bureaus have stated this account has been verified ; however no means of how this account has been verified to me directly and it is my credit profile that is being effected. I respectfully ask for this account to be validated or removed for all of my credit bureau profiles. I also request proof of when any correspondence was sent to me to discuss this account.
|
| 09/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
A debt collector by the name of XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX, XXXX XXXX and phone number XXXX has both called and written to me attempting to collect an alleged debt that is time barred and that they claim is owed to a debt buyer by the name of LVNV Funding LLC. The original creditor is listed as XXXX XXXX. XXXX uses this reference number : XXXX.
In their own letter to me, received on XX/XX/2022, they stated, and I quote : " Because of the age of your debt, LVNV Funding LLC can not sue you for it. '' They also stated : " Because of the age of your debt, XXXX will not sue you for it. '' These two quoted statements show that XXXX and LVNV Funding both know full well that they are attempting to collect upon an alleged debt that is time barred.
Federal courts have held that attempts to collect upon a time barred debt is a violation of the Fair Debts Collections Practices Act ( FDCPA ).
See : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. '' Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
At a minimum I want both XXXX and LVNV Funding to cease and desist from all communications with me regarding this alleged and time barred debt. I would also like both companies to face consequences for willfully violating the Fair Debt Collection Practices Act.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Company is in violation of cease and desist order that was sent XX/XX/2023.
Cease and desist requires ceasing of all and any communication regarding alleged debt including reporting any information pertaining to me to ANY third party including CRAS!
Company is in violation of USC 1681 ( m ) ( A ) ( B ) ( C ) ( i ), ( ll ), ( ii ), ( a ) which states- REQUIREMENTS on users of CONSUMER REPORTS!!
B ) Action described An action referred to in subparagraph ( A ) is an ADVERSE ACTION described in section 1681a ( k ) ( 1 ) ( A ) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 1681a ( k ) ( 1 ) ( B ) of this title.
( C ) Information described Information referred to in subparagraph ( A ) ( i ) except as provided in clause ( ii ), is information that ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; AND, ( II ) BEARS on the credit worthiness, credit standing, credit capacity, character, GENERAL REPUTATION, personal characteristics, or mode of living of the consumer ; AND ( ii ) DOES NOT INCLUDE ( I ) INFORMATION solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person furnishing the information ; OR ( II ) information in a consumer report.
COMPANYS ADVERSE ACTION of Unlawfully furnishing inaccurate information to any report or person without my written consent is harming my reputation and by law nothing pertaining to credit can harm a consumer reputation.
Company bought debt belonging to the United States see 18 USC 8. Debt doesnt Belong to me by law!
|
| 03/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
LVNV, RESURGENT, XXXX, 1st Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX South Carolina Zip Code XXXX 2nd Address XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX LVNV FUNDING LLC XXXX {$640.00} LVNV FUNDING LLC XXXX {$400.00} I am filing this complaint today against LVNV FUNDING because they have constantly failed and ignored my request to send me accurate and verified documents proving these accounts belong to me. The company has yet to provide me the proper documents that there company is supposed to have on file. This company has exceeded the 30 day request mark to provide these documents, which means that the accounts couldnt be verified and under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please Remove these accounts from my credit report to ensure no further harm is added to the stress you all have caused to my life and credit report.
Also, this is my fourth time having to dispute this negative account and their negative actions reporting on my credit report. These accounts do not belong to me and as a consumer I have a legal right to dispute inaccurate information on my credit report that was not authorized by me. Lvnv funding reported themselves as the original creditor also reporting as XXXX, and Resurgent. They have also threatened to sue me and take me to court with no intention of doing so because the debt is too old. LVNV Funding has reported this debt not only to me but to my mother as well stating it was her debt and we live in 2 separate states, and we have never acquired any credit together.
I AM NOT AN ATTORNEY OR THIRD PARTY REP, Please remove these accounts from my credit report, Thank you in advance.
|
| 11/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
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|
I mailed a letter XXXX requesting debt validation to LVNV on XXXX/XXXX/16. In that letter, I invoked my rights under the Texas Finance Code 392.202. They have failed to provide proper validation, Texas law requires that they delete their reporting, and cease all collection activities until FULL VALIDATION UNDER TEXAS LAW IS PROVIDED.
Sec392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by the agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101.
LVNV is also deliberately treating a debt validation under Texas Financial Code as if it were a dispute under FCRA. I believe this to be an abusive application of the FCRA dispute process, as placing dispute comments derails credit applications. This seems to be a common tactic lately, and their intent is to discourage consumers from seeking their rights to debt validation under FDCPA and state statutes. In my letter, it states I am requesting validation. They are broadly interpreting the term dispute. If LVNV DID actually consider the letter to have been a reportable dispute, then they must treat it as a direct dispute and investigate it as such, conclude that investigation within 39 days, and send a NOTICE OF RESULTS to the consumer. They thus did not treat it as a direct dispute, undermining their statement that it was a dispute.
|
| 09/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
As a conscientious consumer, I take my financial obligations seriously and believe in the importance of responsible debt management. I have been contacted by Resurgent Debt Collectors regarding five separate accounts, all of which they claim I owe. However, despite multiple requests for validation and proof of these debts, Resurgent Debt XXXXollectors have yet to provide any satisfactory documentation to verify the validity and accuracy of these claims.
I would like to emphasize that I am fully committed to resolving any legitimate debts that I may owe. However, I believe it is my right as a consumer to request and receive proper documentation and verification of these debts before proceeding with any further actions. My attempts to obtain this information directly from Resurgent Debt Collectors have been unsuccessful, and I believe their lack of response raises serious concerns about the accuracy and legality of their collection efforts.
I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Resurgent Debt Collectors provide the necessary proof of debt for each of the five accounts in question. I believe that a thorough examination of this issue will not only protect my rights as a consumer but also uphold the principles of transparency and fairness in the debt collection process.
Enclosed with this letter, you will find copies of my written requests to Resurgent Debt Collectors for validation of the debts, as well as any correspondence I have received from them. I am committed to cooperating fully with any investigation or inquiry that the Consumer Financial Protection Bureau may undertake to resolve this matter.
|
| 08/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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XXXX charged off credit card debt from a failed business venture and reported it as a consumer account on my credit report. I disputed the accounts with XXXX and in retaliation XXXX sold the debt to an outside debt collection agency called Sherman Originators, LLC. The only reason I was notified that Sherman Originators, LLC owned the disputed debt is because XXXX responded to a complaint I filed with them regarding the failed business venture. I did not receive a notification from Sherman Originators, LLC. about an attempt to collect a debt or information verifying the debt was mine which is in violation of the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, after checking my credit report the debt was sold again to a company called LVNV Funding, LLC. I contacted LVNV and they sent a letter that appeared to be in compliance with regulations set forth by the FDCPA and the CFCPA. However, I was unable to dispute the matter because the company received inaccurate information from the Sherman Originators and ultimately XXXX regarding the classification of consumer and business debts. XXXX and Sherman Originators did not meet requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, LVNV Funding, LLC refused to acknowledge they received incomplete and inaccurate information from Sherman Originators, LLC and ultimately XXXX. How can inaccurate information and failure by the companies to properly notify, stemming from the original source, continue to be reported to my consumer reports?
|
| 04/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX XXXX XXXX XXXX Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation.
|
| 08/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX charged off credit card debt from a failed business venture and reported it as a consumer account on my credit report. I disputed the accounts with XXXX and in retaliation XXXX sold the debt to an outside debt collection agency called Sherman Originators, LLC. The only reason I was notified that Sherman Originators, LLC owned the disputed debt is because XXXX responded to a complaint I filed with them regarding the failed business venture. I did not receive a notification from Sherman Originators, LLC. about an attempt to collect a debt or information verifying the debt was mine which is in violation of the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, after checking my credit report the debt was sold again to a company called LVNV Funding, LLC. I contacted LVNV and they sent a letter that appeared to be in compliance with regulations set forth by the FDCPA and the CFCPA. However, I was unable to dispute the matter because the company received inaccurate information from the Sherman Originators and ultimately XXXX regarding the classification of consumer and business debts. XXXX and Sherman Originators did not meet requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ). Additionally, LVNV Funding, LLC refused to acknowledge they received incomplete and inaccurate information from Sherman Originators, LLC and ultimately XXXX. How can inaccurate information and failure by the companies to properly notify, stemming from the original source, continue to be reported to my consumer reports?
|
| 11/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I have received a plethora of emails from a company named Resurgent Capital Services under the following email : ContactCS@em4965.ecollect.resurgent.com that has purchased old debt that was supposedly sold to them from one company to another. The most recent email sent on : XX/XX/2022, XXXX XXXX Under the subject : XXXX, a legal review is approaching! mailed-by : em4965.ecollect.resurgent.com signed-by : ecollect.resurgent.com is an email threatening to send to send to a lawyer and threatening to sue me within 5 months time. There is no reasoning for the lawsuit when the debt has nothing to do with this company. I was in the XXXX XXXX XXXX and had a credit card debt many years ago and the debt was initially charged off and now it is being brought up as sold by the company from another company who I never even received correspondence from. I do not want to continue communications with this company getting harassing emails about being sued. I am a XXXX XXXX XXXXXXXX XXXX and this debt is not valid as I stated before the debt was written off / charged off. I have never even heard of the current owner of the debt nor received anything that they owned it and now sold it to this company this is all new information and not valid.I would like the company to stop harassing me with emails and or any communications as well as delete this debt. Whoever this debt they bought from which they are claiming is from : Current Owner : LVNV Funding LLC in the email is a company from which I have never heard of. The debt was initially charged off my XXXX XXXX XXXX XXXX and I have not heard of anything about this debt in years. It has never went to collections prior to so this is not a valid debt.
|
| 07/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please see all of the documentation attached. The original creditor is XXXX XXXXXXXX, the collection agency is LVNV Funding C/O Resurgent Capital Services.
I was a victim of identity theft and I have been dealing with this matter since XXXX of XXXX. I filed a police report as requested by XXXX XXXX since the debt did not belong to me. The police report is attached.
I went through the entire verification process and XXXX XXXX sent me a letter stating : " Thank you for contacting XXXX XXXX XXXX On XX/XX/XXXX, we received your police report. Based on the information received, we are holding you not responsible for the current balance on the above-referenced account. We have submitted a request to remove this tradeline from the consumer reporting agencies. Please allow the agencies approximately 60 days to update their records. lf you have additional questions, please call our Fraud lnvestigations Department at XXXX between XXXX XXXX. and XXXXXXXX XXXX, Monday through Friday ( Pacific Time ). '' PLEASE SEE ATTACHMENT NO. 4 According to my credit profile, LVNV was deleted from my credit profile on XXXX XXXX, XXXX. They are the collection company who purchased the debt from XXXX XXXX where I was a victim of identity theft. This account was added back to my credit profile on XX/XX/XXXX, and it decreased my credit store significantly.
I have made several attempts and asked all three bureaus along with LVNV to remove this from my credit profile and also sending relevant documentst that this does not belong to me and they have refused to remove it from my credit profile. The reinserting a debt that had been previously verified as not belonging to me and deleted violates my rights.
|
| 04/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX XXXXs REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX ( XXXX ). Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation.
|
| 02/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I requested that LVNV Funding, LLC/Resugent Capital Services validate the debt.
This company did not provide any validation that the debt belongs to me. I requested the contract bearing my signature indicating that the debt belongs to me. A BILL and/or Bills is not a contract and doesn't provide my liability. In fact, anyone having stolen my identity could apply for an account and bills can be generated. This company is in violation of the FCRA reporting standards. I've asked them directly ( both as a reponse to email and certified letter ) and received a bill. I've address this with CFPB and through them, I received a bill and some sort of application bearing no signature. As I have not received any information that has validated this debt, I for the third time request that you immediately take action to delete all credit additions made to my credit reports.
In addition, LVNV Funding, LLC ( Debt Collector ) is in violation of my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). LVNV Funding, LLC, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not LVNV Funding, LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.
|
| 05/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On or about XXXX XXXX XXXX XXXXXXXX XXXX apparently sold the debt of the debt of the consumers. From the continuous harassment, phone, calls and emails each and everyday which caused distress, XXXX, and XXXXXXXX XXXX with trying to instill fear. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq ). which became effective XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices.
According to 15 USC 1692 c, Ceasing communication from the " debt collector '' cease all further communication. ( 1 ) only advise the consumer that the debt collectors further efforts are being terminated ( 2 ) ( 3 ). The debt collector known as Resurgent Capital Services. On or about XXXX XXXX, XXXX XXXXXXXX XXXX has sold the account to the reference above collection agency. Neither has communicated with myself as the creditor for the alleged debt. I haven't received any communication regarding the account being sold, nor any information from the IRS regarding the issuance of a 1099c form for the charge off of a debt by XXXX XXXXXXXX XXXX Furthermore the " debt buyer '' Resurgent capital services continued to harass me by any form of communication by mail and electronic communications. Non stop phone calls from many unknown numbers and over 5 to 6 emails received. Both companies have mislead me as the creditor, threatening, bullying and harassing me in any way possible and I would like to be compensated for each individual infraction for XXXX per occurrence, XXXX XXXX was removed from all individual credit reporting agencies the dates of XXXX XX/XX/XXXX and yet Resurgent is still trying to collect which is a big violation per the ( FDCPA ).
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
XXXX XXXX XXXX Lvnv Funding llc
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
|
| 11/22/2023 |
Yes |
- Debt or credit management
- Credit repair services
|
- Charged upfront or unexpected fees
|
|
Web |
|
|
Dear [ Creditor ], I hope this letter finds you well. I am writing to address a matter concerning my credit report and the late payments that have been reported by your company. I believe that these late payments have been inaccurately reflected on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
According to the FCRA, specifically 15 USC 1681 section 602, I have a fundamental right to privacy when it comes to my personal financial information. Additionally, 15 USC 1681 section 604a section 2 states that a consumer reporting agency, such as yourself, can not furnish information about my account without my explicit written instructions.
Furthermore, I would like to draw your attention to 15 USC 1666b, which states that a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. It is my understanding that this provision applies to my situation, as the late payments in question were made within the appropriate timeframe.
Given the aforementioned legal provisions, I kindly request that you take immediate action to rectify this matter. Specifically, I request that you remove the late payments from my credit report and ensure that my credit history accurately reflects my payment history.
I trust that you will handle this matter promptly and in accordance with the law. Please provide written confirmation once the necessary corrections have been made to my credit report. Failure to comply with my request may result in further legal action to protect my rights under the FCRA.
Thank you for your attention to this matter. I look forward to a swift resolution.
Sincerely, I
|
| 04/20/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX and finally received copies of statements from LVNV after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$830.00}, I requested LNVN to provide details on how the alleged amount of {$1000.00} was calculated, LVNV has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, 2010 U.S. Dist. XXXX XXXX ( XXXX XXXX, 2010 ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the LVNV is not authorized to collect interest unless it is authorized, I request LVNV to provide a contract from original creditor stating that LVNV is authorized to collect interest on this account. As per evidence presented above LVNV has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file.
|
| 05/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX ( XXXX ). Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation
|
| 08/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2023, I mailed LVNV Funding LLC an initial letter requesting full debt validation of the alleged debts in question : Account # XXXX, # XXXX, # XXXX, # XXXX ) via Certified Mail. LVNV Funding LLC received my initial letter on XX/XX/2023. After XXXX days, I did not receive a response from LVNV Funding LLC XXXX so I mailed my second letter requesting full validation for the alleged debts in question again via Certified Mail on XX/XX/2023. LVNV Funding LLC received my second letter on XX/XX/2023. After waiting for an additional XXXX days, LVNV Funding LLC failed to send their responses.
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify the alleged debt ( s ).
I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. These debts are not mine and I was given no evidence of my obligation to pay this debt to this collection agency.
As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, LVNV Funding LLC has continued to report these alleged debt ( XXXX ) on my credit reports as of XX/XX/2023, which is considered a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. I do not know who LVNV Funding LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt ( s ) nor do I agree with these alleged debt ( s ) on my reports as I never signed anything with such agency.
|
| 08/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear Sir/Madam, I am writing this complaint to address an alleged credit card debt collection associated with my name and account number mentioned above. I believe it's crucial to clarify the legality of this collection process.
Credit card debts are not negotiable instruments and can not be sold or transferred as such. The sale of this debt as pursued by LVNV Funding raises legal concerns about its validity.
I kindly request that you provide sufficient documentary evidence demonstrating my legal obligation to pay this debt. If such evidence can not be produced and LVNV Funding continues its collection efforts, I want to make it clear that I will not hesitate to initiate litigation for the actual damages caused. Furthermore, LVNV Funding may be held liable for violations of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Act ( CFPA ), the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, Federal Trade Commission Act ( FTC Act ), and the Racketeer Influenced and Corrupt Organizations ( RICO ) Act.
I request the following information within 14 days : 1. A detailed breakdown of the alleged debt, including its origin and supporting documents.
2. Proof of the legal transfer of this debt and ownership for collection.
3. A copy of the agreement or contract related to this debt.
Failure to provide this information within the specified timeframe of 14 days will lead me to escalate the matter to regulatory authorities and seek legal counsel.
I anticipate your swift attention to this matter to ensure its lawful resolution.
Sincerely, Account Name : XXXX XXXX Account Number : XXXX
|
| 05/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Today I received a phone call from XXXX. According to my phone this number is out of Maryland. The person on the other end clearly had an XXXX accent. He proceeded to ask me to verify my name, XXXX XXXX and the last 4 digits of my social. I did, and then he proceeded to tell me he had an email address that i used many years ago, and a physical address that I hadn't been in since XXXX. I refused to verify any current information until he told me what this call was about. This continued until he had his " boss '' get on the call. Again, another person of XXXX accent, gets on the phone. He tells me he is a lawyer and the previous person was a paralegal. He proceeds to tell me that I am being sued. They both start hounding me about the documents and phone calls I supposedly have already received... which I have not. The lawyer excused the paralegal, again told me the call is being recorded and that he was going to read me an avidavit. He said the company suing me is LVNV Finance Funding and the case number is XXXX. He told me I was being sued for uncollected payments to a XXXX XXXX XXXX. When I asked which one, he read off about 20 of them, but wouldn't tell me any specific one. I asked him if he could send me the information, he wouldn't answer, just kept asking me if I was going to hire an attorney, and how I was going to handle the suit. He was nasty and wouldn't give me exact figures either. One time he mentioned XXXX in funds and then attorney fees. I finally hung up, upset, I XXXX LVNV funding. I called them. They are based here in the U.S. She had no knowledge of me, of any collections related to me. She was confident I had been or was in the process of being scammed
|
| 05/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I ha ve the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, al l unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
|
| 09/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I received a letter from CACH , LLC -they are collecting on behalf Resurgent Capital Service , L.P.- a old loan from XXXX XXXX XXXX XXXX XXXX. Me and my family are trying to get this account resolve but we just don't have enough money to pay in full. When I contacted the Collector CACH they told me this new trade line in my credit report will destroy my credit and probably they will have to suit me, I can't handle the situation so after some weeks my husband called the collector because we don't want to get involve in a law suit.
My husband made a settlement offer in order to get this resolve but was declined for the collector, and after some weeks he made a different offer but it was declined too. We know for fact that this account is over 5 years and under California Law this collector may not be able to file a law suit against me. I sent a request of validation of debt with a new settlement offer to the Resurgent Capital Service mailing address ( XXXX XXXX XXXX, XXXX, SC XXXX ) on XX/XX/2019 but never received a response back from this collector. My husband called and the collector said they never received, so I mailed the same request to the same address on XX/XX/2019. Now in XX/XX/XXXX my husband called asking for a response of my request but they representative said for second time that they never get it, but verified the mailing address. My husband asked to the representative if he can forward a settlement offer to the owner of the debt ( Resurgent Capital Services ) but the representative just won't.
I just want to get this resolve and I don't want to get suit, but I want to be sure that the debt buyer and the collector are have the right to suit me or not.
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| 05/28/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I request LVNV Funding LLC validation of allege debt {$1700.00} or cease and desist all harassment of allege debt. I am requesting VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) validation of debts, or removal of alleged debt in the total amount of {$1700.00} from LVNV Funding LLC. They have failed to provide the VALIDATION OF DEBT, FDCPA 15 U.S.Code. 1692c ( a ) states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given LVNV Funding LLC, the above written consent to contact me in connection with the collection of any allege debt. I do not have a signed contract with LVNV Funding LLC and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize LVNV Funding LLC to have access to my personal information. This information collected by LVNV Funding LLC clearly is a gross and tortuous effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this allege debt. Specifically there does not exist a written contract signed by both parties and me as specified in the Doctrine of Privity creating a contract that obliges me to pay LVNV Funding LLC. I request LVNV Funding LLC, provide a signed contract between LVNV Funding LLC and me regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove items totaling {$1700.00} from credit reporting agencies, XXXX, XXXX and XXXX.
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| 11/22/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I am being Harrassed by Resurgent/LVNV Funding regarding a debt from XXXX XXXX XXXX XXXX XXXX I did not give XXXX XXXX XXXX XXXX permission to share any of my personal information to Resurgent this is a violation of the Federal Credit Reporting Act. I did not signed anything with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is aware of the unauthorized charges due to my roommate stealing my debit card and using it. I did not make the charges. Also, Im requesting copies of every transaction to this account along with signatures on every transaction. Also, I would like for Resurgent to provide me with information on how this account was obtained and how much they paid for this account. I should have been notified that XXXX XXXX XXXX XXXX was selling my account to a junk debt buying company prior to account being sold. Again I am requesting all the above information to be sent to me within 30 business days. I am not responsible for this debt and I will seek guidance from a man attorney immediately. This company has harrassed me by phone and by mail after I informed them I didnt owe the debt. If this company report anything to the credit bureaus I will file a lawsuit for damages to my personal credit report. XXXX XXXX XXXX XXXX never reported this account die this account being a checking line of credit. Resurgent does not have the right to report anything to the credit bureaus. I want a copy of all transactions and signatures immediately. If I am harassed again I will file a lawsuit. I do not owe anything. I want to see all documents that were provided to Resurgent from XXXX XXXX XXXX XXXX. I did not agree to them selling or providing my personal information to anyone.
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| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On XX/XX/XXXX I called a company called Resurgent and spoke with XXXX XXXX ( acct senior rep ) who informed me that I needed to speak with a different department and transferred me, I then spoke with XXXX XXXX whom claimed to be a supervisor in the secured loan servicing department and provided me with the account XXXX for LVNV Funding and said I am in the wrong department and said I needed to speak to a different department again.
I was then transferred to another person named XXXX XXXX who confirmed that the company received my fraud dispute on XXXX XXXX from the credit bureaus along with supporting documents which included a police report and FTC complaint, however they couldn't complete my dispute because there was a fraud affidavit missing.
I was never informed by LVNV Funding that they needed a fraud affidavit in order to process my request of Identity theft, although XXXX XXXX made herself personally responsible to send me a fraud affidavit on XX/XX/XXXX I am requesting this matter gets looked into deeper for violations of Federal law 15 U.S. Code 1681N - civil liability for willful noncompliance. I have made several attempts to have this matter resolved with LVNV funding and XXXX however have been unsuccessful.
LVNV Funding is reporting invalidated fraudulent information to the credit bureaus and said action might constitute fraud under both Federal and State laws. Due to this fact this is my final attempt to have this matter resolved prior to contacting the National Association of Attorney General and seeking legal action.
Attached I am sending a copy of my valid police report and case number along with the FTC complaint that I have already filed.
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| 06/10/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received an email from LVNV Funding LLC on Wed XXXX XXXX, XXXX. LVNV Funding LLC are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX. I have not received any goods or services from LVNV Funding LLC, and I do not know how LVNV Funding LLC received my private information.
Upon checking my credit report LVNV Funding LLC flagged my credit on XX/XX/XXXX with unverified collection activity. LVNV Funding LLC did not honorably submit their demand for funds through the US Postal service to allow me to properly dispute their claim of {$610.00} owed to them. I did not authorize LVNV Funding LLC to use my email address or social security number to damage my credit files.
LVNV Funding LLC do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to LVNV Funding LLC XXXX
I am not a party to any agreements that LVNV Funding LLC may or may not have with XXXX XXXX XXXX XXXX A. I am not responsible for LVNV Funding LLCs purchase / transfer from XXXX XXXX XXXX XXXX. I have not agreed to pay/tender anything to LVNV Funding LLC XXXX
LVNV Funding LLC reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.
Please be advised that neither LVNV Funding LLC or XXXX XXXX XXXX XXXX. are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
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| 12/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This letter is in reply to your letter dated XX/XX/2023, in response to my complaint dated XX/XX/2023. In my letter dated XX/XX/2023, I disputed the {$850.00} debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA.
First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you forwarded copies of monthly credit card statements. Credit Card statements are not a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by Law.
Furthermore, the credit card statements do not verify nor confirm my personal information. Specifically, my social security number. I received a debt validation letter from the original alleged creditor, XXXX XXXX and as indicated in the attached debt validation letter the social number associated with the alleged debt is NOT my social security number ( last 4 ).
I have attached a copy of your initial response, as well as the letter from the original creditor.
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| 05/17/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX XXXX the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament.
Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my XXXX XXXX XXXX. Now that I contact this company about this alleged debt there is no response??
furthermore LVNV FUNDING LLC ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
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| 12/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This letter is in reply to your letter dated XX/XX/2023, in response to my complaint dated XX/XX/2023. In my letter dated XX/XX/2023, I disputed the {$850.00} debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA.
First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you forwarded copies of monthly credit card statements. Credit Card statements are not a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by Law.
Furthermore, the credit card statements do not verify nor confirm my personal information. Specifically, my social security number. I received a debt validation letter from the original alleged creditor, XXXX XXXX and as indicated in the attached debt validation letter the social number associated with the alleged debt is NOT my social security number ( last 4 ).
I have attached a copy of your initial response, as well as the letter from the original creditor.
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| 11/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
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There is a debt collector by the name of LVNV Funding LLC that claims I have a debt they purchased I am responsible for, and they can not provide me with any information with the account. On XX/XX/XXXX, I received a letter from my employer stating that they received a wage order from a company called XXXX XXXX XXXX to garnish 15 % of my income on behalf of LVNV funding. I have never received any other notices prior to my employer informing me of what they have received. on XX/XX/XXXX, I reached out to LVNV to receive a proof of purchase agreement or more information on the account they claim I owe which does not belong to me and I did not receive a response or answer XXXX phone. I was redirected to resurgent capital when I searched LVNV online to find any account information associated with my name. According to their database, they have no information for my alleged account and directed me to call for more information, upon calling resurgent after they hung up on me three times, they also stated they can not disclose any information to me, but I can begin sending payments. I explained that I filed a police report because there is no account that I have had with them, and they claimed they would be mailing me information for my request to close an account that does not exist, and I still have received nothing from them. I am expected to show up to court but I can not find any legit information from this debt collector that shows proof I am liable for an account dated back to XXXX that does not belong to me. I recently had another account removed for the same reason from LVNV funding in XXXX and now they are back on my credit report and garnishing my wages.
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| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Company is still reporting inaccurate information on my credit report.
Company is lawfully the DEBTOR by LAW Below are definitions and proof Im not the debtor.
Lawful vs Legal Lawful means- Im accordance with the law Legal means- Permissible by law Lawful applies to laws of the land that GOD granted the LIVING, not the DEAD! A CORPORATION CANT GRANT ANYTHING BECAUSE ITS A DEAD ENTITY SO ITS IMPOSSIBLE FOR COMPANY TO BE THE CREDITOR!
XXXXXXXX XXXX dictionary CREDIT definition- " CREDIT '' means the right GRANTED by a CREDITOR to a debtor to defer payment of debt or to incur debt, and defer its payment.
debtor to defer payment of debt or to incur debt and defer its debt.
DEBTOR- The term " debtor '' means person or municipality concerning which a case under this title has been commenced.
CONSUMER DEFINITION- The term consumer means an individual or an agent, trustee, or representative acting on behalf of an individual.
INDIVIDUAL, AGENT, TRUSTEE, or REPRESENTATIVE acting on behalf of an INDIVIDUAL.
DEFINITION OF INDIVIDUAL-In determining the meaning of any Act of Congress, or of any ruling, regulation, or interpretation of the various administrative bureaus and agencies of the United States , the words " person '', " human being '', " child '', and " individual '' shall include every XXXX member of the species homo sapiens who is born alive at any stage of development.
DEBTORS are FICTITIOUS entities.
NOTHING DEFINED IN DEBTOR DEFINITIONS DOES IT INCLUDE NATURAL LIVING HUMAN BEING Im by LAW a NATURAL PERSON which is a LIVING HUMAN BEING.
A ENTITY, PERSON, CONSUMER, HUMAN BEINGS, and INDIVIDUALS are in FACT NOT LIVING! Who could object??
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| 02/22/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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per investigation received XX/XX/18 by XXXX on a XXXX XXXX XXXXdebt illegally obtained through identity theft means. again I had been going through domestic financial abuses from the alleged perp. I obtained multiple XXXX XXXX. could not obtain permanent one on bases of cyber intrusion. I had reported multiple times to XXXX. originally I had made attempts to rectify the debt. at one point XXXX XXXX had offered half the debt. I value my credit and put into consideration. since I hadn't any proofs of whom attempted identity theft. once I contacted back the company had disbanded. no longer was I able to contact. I again repeated attempts once an black market predatory collection agency persued this debt. I believe the perp I kept seeking remedies to stay out of my life maliciously reinvented this black market sale in attempts at hurting me. I contacted once again XXXX identity. thery did more investigative measures anf while my credit bureas reports show no balance under te original creditor XXXX, XXXX and a zero pay status and zero collections.no amounts shown under XXXX XXXX the black market XXXX XXXX the debt buyer SHOWS A BALANCE STILL.IN ALL CREDIT BUREAS. I WAS A VICTIM OF FRAUD IDENTITY THEFT DOMESTIC FINANCIAL ABUSES. I AM SEEKING POSSIBLE REMEDIES IN THE FUTURE ON THST CASE. HOWEVER, THESE DEBT COLLECTIONS, WHILE XXXX HAS DONE AS BEST AS THEY COULD, IT ADDS UNTRUTHFUL CREDIT DEBT ANALYSIS. I AM TRYING TO REGAIN MY LOSSES FOR THESE CRIMES. IT HINDERS MY CHANCE TO HOME PURCHASES AND A MODEST FAIR ONE AT THAT. I ASK FOR THE REMOVAL OF BOTH XXXX XXXX CREDITOR AND XXXX XXXX XXXX COLLECTOR TO BE REMOVED FROM ALL BUREAUS. XXXX HAS DONE MUCH INVESTIGATIONS.
|
| 12/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
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My account has been placed with XXXX XXXX XXXX. here are the details : XXXX XXXX XXXX : Original Creditor : XXXX XXXX XXXX XXXX.
Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Total Balance Due : {$1600.00} I had not spoken to XXXX at all until today XX/XX/2020. My mother called and said someone from XXXX called from XXXX on XX/XX/2020 and divulged information about the debt including phone numbers, amounts owed, and addresses. They said to my mother that she was a reference on the account, which she was not. I never listed her down anywhere on any account. I know they got the information from a skip trace report. I called XXXX today on XX/XX/2020 at XXXX EST and spoke to a CSR about this and said they would remove her number from the account. She ended up transferring me to a manager whose name I couldn't understand. The manager confirmed they did call and said in her notes that " they spoke to the debtor on XX/XX/2020 '' and said they had been sending statement after statement, which I have not received. I have only received an email from them on XX/XX/2020. When I confronted the manager about divulging the personal information about the account balance and creditor name, she said " That's how we run things here, and is out process and policy. '' I said no, per CFPB regulations, you can not divulge sensitive account information to anyone other than the debtor. She then said that they would have to go back and listen to phone calls to investigate. After trying to ask for more info on why this happened, she said they would list my account as " Cease Collections '' and hung up on me. I have also never gotten any communication from LVNV Funding.
|
| 04/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Dear Resurgent Capital Services, I am writing to follow up on my previous letter regarding the debt that is currently on my credit report. As mentioned in my previous correspondence, I did not receive any notification or validation of this debt, which I believe was sent to an old address of mine, located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX.
I would like to bring to your attention that I have previously disputed this debt through XXXX XXXX, and the company responded that the " Account information disputed by consumer, meets FCRA requirements. '' This clearly shows that I have requested substantiation of this debt, and I have not received any response from your company.
As per the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written validation or substantiation of the debt within five days of their initial communication with the consumer. If a consumer disputes the debt, the debt collector must cease all collection activities until they provide the requested validation.
Furthermore, I would like to clarify that I have not lived at the address where the notification was sent since XX/XX/2020. Therefore, it is highly likely that I could not have received any notification regarding this debt sent to that address.
Therefore, I am requesting once again that you remove this debt from my credit report, as I have not received the required validation from your company. I have attached a copy of my previous dispute through XXXX XXXX for your reference.
Thank you for your prompt attention to this matter.
All documents attached to show that matter was disputed, plus previous dispute attached.
Sincerely, XXXX XXXX
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the actions of a debt collector, Resurgent Receivables, who has been violating my rights and causing harm to my credit reporting. The debt collector in question has been reporting a debt that I do not owe, which has caused significant damage to my credit score.
I request that the CFPB take immediate action to rectify these violations of the law and provide extensive remedies for the harm that has been done to me. The following laws support my claims : The Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. 1692 et seq., prohibits debt collectors from making false or misleading statements about a debt, including the reporting of a debt that is not owed.
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires debt collectors to accurately report debt information to credit reporting agencies. If Resurgent Receivables is reporting a debt that I do not owe, they are violating this law.
The Michigan Collection Practices Act ( MCPA ), Mich. Comp. Laws 445.251 et seq., requires debt collectors to be registered in the state of Michigan before they can collect debt. If Resurgent Receivables is operating illegally by collecting debt without being registered, they are violating this law.
I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the violations of these laws and provide remedies for the harm that has been done to me. I would be happy to provide any additional information or documentation that may be necessary to support my claims.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 01/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
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Received a call from the collector and was asked to verify my information. Instead of me providing my information to verify the debt, my name, the originating creditor, my date of birth, my previous address and the last four of my social was read to me to verify my information. With a handful of previous numbers I have had over the years, I can not understand for the life of me why a debt collector would call and read off my information and ask me to verify said information. Previous numbers that I no longer have will have had the same process, so my personal information has been leaked to who knows how many people. The first agent hung up on me. I immediately called back to have all of the same information read back to me a 2nd time without me providing it. I asked to be transferred to a supervisor who proceeded to tell me that is their process and that's the way they do business and was then hung up on by the supervisor. That debt was disputed through XXXX credit reporting agency on XX/XX/2022 under the category of identity theft to start with and now I have this collector reading my information of to who ever they have called in an attempt to collect the debt. I know exactly who the person is who opened up that account in my name and after speaking with her, can verify that she has not received a call from the collector. That person is my wife, we have been separated for some time now and we have been assessing and rearranging all of our debts collaboratively in order to have our lives separated outside of court orders and lawyers so that when we file for divorce we are not wasting time or money so we that we may move on and proceed with our lives.
|
| 09/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I writing you to lodge a formal complaint against LVNV Funding LLC. This debt collector placed marks on all three of my credit reports ( XXXX, XXXX, and XXXX ) without proper notification, as I received no dunning notification per required by the FDCPA legislation. Credit reporting is considered collection activity. When I attempted to send debt validation to the address they provided, the notification was sent back to me return to sender, as the address was inaccurately listed on my credit report. This company has an F with the XXXX XXXX XXXX, and has effectively destroyed my chances of getting a mortgage, as they have also incorrectly listed these accounts on all three credit reports instead of a collection account. Additionally, they have listed this item as a Factoring Lender, when per FCRA collection companies are not. I am requesting your office look into these allegations and help me procure a deletion from all three credit reporting agencies until this company can successfully validate my debt as they are mandated by law to do. I am considering legal action against LVNV, however, I felt compelled to urge your office to help me in my crusade to remove LVNV Funding and reestablish my name and credit. I am not sure if this debt is mine or not, however, their inability to provide correct addresses, and their intentional act of misleading their reporting should be enough to sue them, and should be enough for your office to force their compliance in this issue. I hope you can help me out in this matter, as I am going through the mortgage closing process and this one account has completely derailed my home purchase. Thank you very much for your time!
|
| 01/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I have tried on several occasions to get this company to validate this debt meaning get copies of the entire account including payments so I can determine what was actually mine and what was fraudulent because my accounts were compromised. Resurgent Capital Services is working on the behalf of LVNV Funding LLC which purchased the debt from XXXX XXXX/XXXX Account. The only item I received was a closeout statement from XXXX with no detail attached. Please see the attachment.
LVNV is also using deceptive practices in an attempt to cause additional harm to my FICO or XXXX score by listing itself as a Retail Company instead of a collections company. It has listed this loan type as a factory company. Additionally, it is stating my first delinquency was XX/XX/2019 to impact my score even further to trick the scoring system into believing that this is a recent late payment. Please see the document that Resurgent provided stating the charge-off date of XX/XX/2019. Even if this company purchased the debt on XX/XX/2019 legally they must report the actual charge off date. Lastly, if the charge off date was XX/XX/2019 how could LVNV report as the " Date Major Deliquencey First Reported '' of XX/XX/2019?
In a further effort to drive my score down this company is listing a past due balance when, in fact, they are a collection agency and if the company, i.e. XXXX XXXX has already written this off on its profit and loss. I understand that a collection agency can report an outstanding balance but not list it as a past due balance.
I believe this company has engaged in deceptive practices to harass me into paying a debt that they have been unwilling to validate.
|
| 12/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) Violation of the FDIC Consumer Compliance Examination I am aware of your violations, and I am prepared to protect myself and my rights from unscrupulous collection agencies.
On my credit you have willfully reported an unverified and disputable debt to the credit bureaus and that is a violation of the Fair Credit Reporting Act. You have failed to verify the debt as accurate ; you have provided no proof of this alleged debt.
I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions.
I did not receive anything absolute proof from you, and you did not provide anything by the original creditor.
I will take action against you for these violations and abuse.
Remember, the debt buyer must be able to provide me with a copy of an assignment of the debt that specifically includes the debtors. A competent and valid evidence that I have some contractual obligation to pay you.
Which you failed to do AND you posted on my credit report.
|
| 05/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have contacted LVNV Funding, letting them know XXXX XXXX XXXX cleared this matter. Infact, when I first contacted the CPFB regarding thisXXXX XXXX XXXX XXXX let me know that it would be removed from my credit report ; which you can see ( attached is my current credit report showing that XXXX XXXXXXXX XXXX has removed the account COMPLETELY from my credit report ).
I have notified this to LVNV Funding multiple times ; and they refuse to remove the collection, as the debt was satisfied. XXXX XXXXXXXX XXXX can also be reached in this matter, as they know I made a complaint with the CPFB.
Secondly, LVNV Funding ( attached screenshot ) is now showing one missed payment. I have never made ANY payments to their company nor have I given them any authorization, ever, to take any money from my checking account or credit cards. This shows that they are in direct breach of the FCRA and my next step will be to hire an attorney if this is not removed from my report.
As a side note ; I have disputed this with XXXX and XXXX and BOTH HAVE REMOVED IT FROM MY REPORT. The only one that has not is XXXX and it is DAMAGING my credit and I will hire an attorney if need be to reconcile damages from them for FALSE reporting on MY credit report and I want them to know this when you talk to them.
This was a misunderstanding with XXXX XXXX XXXX and HAS been rectified with CPFB through a previous complaint and 100 % removed from my credit report. LVNV FundiXXXX is falsely reporting this charge and it is NOT supposed to be there.
****Please see attached previous complaint with CPFB and XXXX XXXX XXXX where this was already removed from my credit report 100 %. ******
|
| 04/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XXXX of XXXX, I noticed a collections account on my credit report through XXXX XXXX, which was apparently opened on XX/XX/XXXX.
I had no prior knowledge of this account or collections attempt due to no phone calls being received, or mail being sent to my address.
This was also apparently collections on a credit card through a XXXX XXXX XXXXXXXX XXXX as listed on my report, I have no history with this bank, nor have I opened a new credit card since XXXX.
I actually have all of my credit files locked due to an identity theft breach through XXXX XXXX, so this account shouldnt have been able to be made without my knowledge.
A company by the name of LVNV Funding LLC is now attempting to collect on this card that was charged off / sold from the original creditor ( XXXX XXXX XXXXXXXX XXXX ) Ive spent the better half of two weeks calling every single bank with that name and asking if Ive had an account with them, all of which has said no, or has turned me to the company that issues their cards, which have also said no.
On top of this, Ive tried to reach out to LVNV Funding LLC, which can not be reached due to a cleverly designed automated loop that will never actually offer to connect you to a human representative.
This is being listed as a derogatory account on my credit report that is NOT mine, I have attempted to dispute this through credit karma, to which they have declined to remove from my report due to it meeting some FCRA requirements that I wasnt notified for.
XXXX on the other hand has already removed the account from my report, which means that XXXX is officially reporting false information and is refusing to abide by the law.
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
|
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Hi, This company LVNV Funding LLC continues to report to all 3 credit bureaus that they state that I owe. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts aa being accurate and that I know is not correct. I have asked LVNV Funding LLC to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with LVNV Funding LLC 1. ) {$1000.00}, shows opened on XX/XX/XXXX, 2. ) {$670.00} shows opened on XX/XX/XXXX, XXXX. ) {$4800.00} shows opened on XX/XX/XXXX, and 4. ) {$430.00} shoes opened on XX/XX/XXXX I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.
|
| 12/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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LVNV FUNDING received a REQUEST for debt validation signed. They failed to produce this documentation signed. Therefore the alleged account is now settled and closed. Concurrently they never responded with a debt validation letter with a signature or a true bill of indictment for the alleged bill. This account has been deemed usurious by Florida law below 687.02Usurious contracts defined. ( XXXX ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of XXXX percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. 687.071. ( 2 ) As amended by chapter 79-592, Laws of Florida, chapter 79-274, Laws of Florida, which amended subsection ( 1 ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XX/XX/1979, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XX/XX/1979.
|
| 03/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation.
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.
I am exercising my right to request validation on any debt that is alleged to me.
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization.
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well.
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
|
| 09/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I had noticed a charge on my credit report for LVNV FUNDING I had no idea what that was so I sent a debt validation letter to them last summer XXXX which they did not respond to. The very first time I was contacted by LVNV Funding themselves, it was to be served because they were suing me XX/XX/XXXX. The case had a set date I believe XX/XX/XXXX and then XX/XX/XXXX but ultimately the whole thing was cancelled. I called in XXXX before the first court date in an attempt to settle and was told I would be contacted shortly. XXXX came and I still was not contacted. I received a letter in the mail stating my court date had been pushed back to the XXXX, and a few days later I got a letter saying my court date was cancelled. I called LVNV again trying to understand what happened, left at least 5 voicemails for a XXXX that works there ( that I was waiting to be contacted by. ) I called a general line at LVNV and was able to talk to someone who said that my profile was set on do not disturb status which I never requested. They also were able to clarify what this debt was for, which was a XXXX account. I asked for that to be reset because I wanted to discuss this. The agent said he was unable to, again being told I will be contacted through mail & again never receiving anything, even after confirming my mailing address. I see it every time I check my credit report, and they have now added on $ XXXX in charges and I havent been able to discuss anything with anyone let alone set up a payment plan to settle the debt. I really need them to either contact me so I can settle this matter or remove it from my credit report so it stops harming me and my reputation
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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LVNV FUNDING LLC XXXX XXXX AND XXXX XXXX XXXX I WON IN COURT AGAINST XXXX XXXX TO HAVE INFORMATION REMOVED FROM MY CASE IT WILL BE ATTACHED TO THE INFORMATION ON THIS CASE AND LVNV FUNDING I NEVER HAD AN ACCOUNT WITH THEM EITHER THE OTHER 2 ACCOUNTS WAS LISTED BY ONLINE FILING I AM NOT AWARE OF THOSE ACCOUNTS I am a secured party and the only person duly authorized with superior rights To add and remove things off of my property credit report. I as the Secured Party have a private security agreement valued at XXXX XXXX dollars and a copyright and trademark on name the Debtor XXXX XXXX XXXX And any derivatives thereof. I also have a UCC 1 Flied With the state of Ohio To protect my security interest. These companies do not have the authorization, From me, no contract, or consent for me to use my property and report it with these bureaus. This is notice to you to you to remove these companies information off of the Debtor XXXX XXXX XXXX credit reports as it affects/injures Me, the Secured Party. Any corporation or natural person who, By Coercion, Threat of force, or demand, requires an Employee, trustee, or fiduciary of the trust to perform, produce material, answer, comply with, or act in accordance with any particular Act set forth in the secured party fee schedule, shall be assessed according to corporate capacity for their actions, and further actions may be subject to parallel Claims of criminal activity including piracy, slavery ( suretyship ), trespassing, Breach of fiduciary duty, perjury, misprision a felony, RICO, and forfeiture. The only way any Corporation may post on my credit report is if I give the credit agencies consent to post
|
| 10/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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LVNV - Reference Number : XXXX ( send to my email address Repeatedly ) Per XXXX Report : Account number XXXX LVNV Funding LLC Repeatedly Refused to verify this debt LVNV Funding LLC Repeatedly invaded my privacy by unjustifiably intruding into my personal life without my consent LVNV Funding LLC has Repeatedly, unjustifiably, intentionally deformed my character in public LVNV Funding LLC has violated federal law by improperly using my personal information in my credit report LVNV Funding LLC has Threatened to ruin my life and my reputation by keeping this collection in my credit ***In accordance with the Fair Credit Reporting Act it is my belief that among many issues depicted below LVNV Funding LLC has violated my rights under 15 USC 1681 602 states ***I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
***Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
I have mailed XXXX different request on XX/XX/2023 and XX/XX/2023 to both addresses LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX that the company to verify debt, In addition I have demanded that LVNV stops violating my rights by improper and incorrect reports-claims to my credit report damaging my reputation and causing deformation of my character ******It is time for LVNV FUNDING LLC to be held accountable // ***** By Law you LVNV FUNDING LLC are required to report negative personal information with Maximum Accuracy
|
| 08/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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I had an outstanding debt to XXXX XXXX for {$4300.00} that I settled and paid. Acknowledgement of Full Satisfaction of Judgement in association with this debt was filed on XX/XX/XXXX with the Superior Court of California , County of XXXX by the legal judgement creditor XXXX XXXX XXXX XXXX ( assigned of record LVNV Funding, LLC ). The case number was XXXX.
After the judgement was satisfied in full, XXXX XXXX XXXX has contacted me 3 times by letter trying to collect this debt. Each time, I have responded within 30 days to let them know that the debt has been settled and that I dispute any further obligation in relation to the debt. Despite my attempts to send them copies of the court documents to prove the settlement of the debt, they continue to reach out to me regularly stating that their records show that I still owe the debt or that they are collecting on behalf of another company.
At this point, I no longer want to be contacted by them because I realize they do not care that the debt no longer exists since they dismiss the proof I have provided.
Letters they sent and response dates : 1. Letter dated XX/XX/XXXX, I responded on XX/XX/XXXX 2. Letter dated XX/XX/XXXX, I responded on XX/XX/XXXX 3. Letter dated XX/XX/XXXX, I responded XX/XX/XXXX I am including a copy of each of the 3 letters that I sent in reply to them and I am also attaching a copy of the Acknowledgement of Full Satisfaction of Judgement from the court.
I have also received a letter from XXXX XXXX XXXX XXXX and 3 letters from XXXX XXXX XXXX in relation to this debt ; all of which I responded to. Please also see these letters attached here.
Thank you for your assistance!
|
| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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The acct opened in XX/XX/2019. I received the bill and it was way over the amount of services from the beginning at over XXXX. I disputed the amount was brought down to {$920.00} of which I paid in full. I was recovering from XXXX and need some detail work after treatments. I later pulled my detail charges and found that the original balance I should have paid was {$550.00} XXXX XXXX ) .The other charges were for a different XXXX that has already been paid in full as well in the day of service. XXXX XXXX XXXX has since closed my acct, sold it to Resurgent, and stating that I still owe {$260.00}. How can that be if I overpaid them in the first place. I have proof and I can not get an answer from either of them on how they plan to correct their error. I have been turned down for 2 credit cards and can not get my home refinance with this incorrect information on my credit report of which they refuse to remove. I have placed a dispute with XXXX and it will not be settled until XX/XX/XXXX but I do not have that kind of time because I have 90 day to get my home refinance or I have to sell it by court order. I have been trying for over a month to get this issued resolved and I can do without this stress and XXXX since I am still recovering from XXXX and XXXX. I am on a time crunch and it seems that they have no intentions of changing the false report they created. Not only did I over pay {$360.00} they sold the account to a debt collector that is charging me another {$260.00}. This is is devastating, very stressful during what should be a happy time, and time consuming to file all of these complaints and all they needed to do was the right thing.
|
| 01/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
At this point my FCRA rights have already been violated. I take my credit extremely seriously. Upon viewing my credit reports I noticed LVNV FUNDING LLC had a discrepancy in the " past due '', " payment history '', " date of last activity '', date of last payment '', " date opened '', " monthly terms '', " account type '', section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX XXXX however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX and XXXX are reporting a " date of last payment '' of " nothing '', however XXXX is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX is reporting " date of last activity '' at " XX/XX/XXXX ''. There is also " payment history '' showing for XXXX and XXXX which is a violation if this account is supposedly a collection/charge off. XXXX and XXXX are also showing a " past due '' amount of {$820.00} which is also a violation since this account is again supposedly a collection/charge off. XXXX and XXXX are also showing the " account type '' as open account. This account has been reported to collections to my understanding which means it cant reflect as an open account. This is again a violation! I also noticed XXXX listed " monthly terms '' on my report of 1 month. To my understanding I have no secured loan or anything of the sort with this company so im not sure what " monthly terms '' they're referring to. If this is the same account, reported by the same creditor how are these numbers and dates different?
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
At this point, I am exhausted and begging to please help me find counsel to represent against XXXX XXXX, LVNV, XXXX, XXXX, and any other credit bureau reporting this on my credit. I have been traumatized and at XXXX, can lose my life due to the severe stress this has caused because of it reporting on the credit bureaus. It is not reporting on XXXX but is reporting on XXXX and XXXX as of today. I have been fighting this for years but have Officially reported through your institution since XX/XX/2023. The final letter from XXXX XXXX and from LVNV stated that they requested the information from four bureaus since XXXX of 2023 but it is still reporting and I can not move into a retirement home because of the one collection on my account that I SWEAR does not belong to me. Anything that says I did not pay for it, it is not mine. I do not leave bills behind and NOT pay. I have before paid bills that did not belong to me but this one is so big that I could not afford to do so. XXXX XXXX also sent me a letter stating that the investigation has confirmed that it was a result of Fraud but it is still reporting on XX/XX/2023. Please help me file suit or whatever your service will help me because this has cost me a home, high interest rate where I pay a huge interest on my car payment, I have had to pay higher insurance rate, and was turned down for credit to assist me. I was told it would be removed by both the originating company, XXXX XXXX, and the Collection agency. This has cost me tremendously at the End of my life where I can't even assist my Children and my grand children when they need it. I don't mean to be nasty about it but I'm exhausted.
|
| 04/06/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account.
Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XX/XX/XXXXor a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL.
By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.
|
| 05/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I sent LVNV Funding a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 LVNV Funding is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). LVNV is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and XXXX is allowing this to stay on here. I am submitting this complaint as a record to show that LVNV Funding and XXXX are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when XXXX and LVNV receives this complaint. It has been over 30days since LVNV Funding have received my letter. Also XXXX has added the Fraud alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint.
Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.
|
| 11/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received my credit report and i have tried to dispute with an account with LVNV FUNDING. I have noticed there are multiple inaccuracies on this account between XXXX XXXX XXXX. I have sent a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/2021 It has been more than 30 days and i have not received a letter back, Heard from LVNV FUNDING LLC Nor received any of the following below from this debt collector : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. I have also asked to Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. I AM DEMANDING THIS ACCOUNT BE REMOVED FROM MY CREDIT ACCOUNT IN THE NEXT 10 DAYS OR I WILL BE SEEKING LEGAL ACTION I HAVE ATTACHED MY POLICE REPORT I THIS COMPLAINT AS REQUESTED BY LVNV FUNDING LLC!
|
| 03/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also read the attached letter and review all of the violations by your company
|
| 03/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Acct XXXX XXXX {$1100.00} XX/XX/20 I did not open this account nor the other 2 opened by same company Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Company is still reporting inaccurate information on my credit report. Company is lawfully the DEBTOR by LAW Below are definitions and proof Im not the debtor. Lawful vs Legal Lawful means- Im accordance with the law Legal means- Permissible by law Lawful applies to laws of the land that GOD granted the LIVING, not the DEAD! A CORPORATION CANT GRANT ANYTHING BECAUSE ITS A DEAD ENTITY SO ITS IMPOSSIBLE FOR COMPANY TO BE THE CREDITOR! XXXX XXXX XXXX CREDIT definition- " CREDIT '' means the right GRANTED by a CREDITOR to a debtor to defer payment of debt or to incur debt, and defer its payment. debtor to defer payment of debt or to incur debt and defer its debt. DEBTOR- The term " debtor '' means person or municipality concerning which a case under this title has been commenced. CONSUMER DEFINITION- The term consumer means an individual or an agent, trustee, or representative acting on behalf of an individual. INDIVIDUAL, AGENT, TRUSTEE, or REPRESENTATIVE acting on behalf of an INDIVIDUAL. DEFINITION OF INDIVIDUAL-In determining the meaning of any Act of Congress, or of any ruling, regulation, or interpretation of the various administrative bureaus and agencies of the United States , the words " person '', " human being '', " child '', and " individual '' shall include every infant member of the species homo sapiens who is born alive at any stage of development. DEBTORS are FICTITIOUS entities. NOTHING DEFINED IN DEBTOR DEFINITIONS DOES IT INCLUDE NATURAL LIVING HUMAN BEING Im by LAW a NATURAL PERSON which is a LIVING HUMAN BEING. A ENTITY, PERSON, CONSUMER, HUMAN BEINGS, and INDIVIDUALS are in FACT NOT LIVING! Who could object??
|
| 05/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that LVNV Funding LLC properly investigated this account because there are obvious inaccuracies.
First off the account is reporting a monthly payment on a charge-off account. Now it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it makes it looks like I made payment arrangements with the creditor which is not the case The account has been re-aged by XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This is a clear 6-year difference and once again it is LVNV Funding LLC 's job to make sure this information is correct by conducting a proper investigation.
Since you have not reported the date of the last payment it messes up two things. First, it shows does not help indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported LVNV Funding LLC has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too
|
| 01/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have previously sent LVNV Funding and affiliates a request to validate this debt, for the following account number ( XXXX ) on XX/XX/XXXX and again on XX/XX/XXXX via certified mail. Under the Fair Debt Collections Practices Act ( FDPCA ), I have the right to request validation of the debt that you say I owe you per the FDPCA. I have given LVNV Funding 30 days to remedy this situation, which is not only a reasonable period but is also the maximum time request limit as indicated by the FDPCA/FRCA. I received an unsubstantiated response from LVNV Funding, which did not properly validate debt, although I did receive signed confirmation via certified mail from the United States Postal Service that my validation letters were received on XX/XX/XXXX and XX/XX/XXXX, however attempts to collect said debt are still being made by LVNV Funding without properly validating debt.
Since LVNV Funding is still reporting this account on my credit profile, LVNV Funding is now in violation of the FDPCA and are subject to fines of {$1000.00}, which I may collect from LVNV Funding by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from LVNV Funding within 10 days. LVNV Funding should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present LVNV Funding with legal inconvenience with the FTC and other state and federal agencies.
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| 10/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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LVNV Funding XXXX. XXXX XXXX XXXX, SC XXXX Date : XX/XX/XXXX Re : Account Number:XXXX This letter is in response to your credit report entry on XX/XX/XXXX related to the debt referenced above. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I have disputed this account for three years, I have requested proof of debt a sign contract regarding this card belongs to me with the date of the contract. LVNV Funding LLC has been unable to provide a sign contract to me. I have received multiply times a copy of a statement from XXXX XXXX dated XX/XX/XXXX. This statement is not proof of debt. ( Please send sign contract ) I have contacted your location and been advised that LVNV is not the owners of this account. Due to not getting the credit record removed, I will have to report this account to the XXXX XXXX XXXX XXXX as fraud as well to all reporting agencies. Further reporting of this account on my credit file will lead to legal action.
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I am request full verification of this debt and ownership of account along with the transaction report of how much LVNV bought this account for.
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| 09/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I formerly had a credit card through XXXX XXXX XXXX which I never used. However, in XX/XX/XXXX, the card was compromised and fraudulent transactions were processed. I disputed the transactions immediately, but XXXX XXXX continued to bill me for them ; when I refused to pay, the added interest, fees, and penalties.
With no resolution in sight, on XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX, they referred the case to the Office of the Comptroller of the Currency. On XX/XX/XXXX, the OCC mailed me to say they had initiated their process and contacted the bank. On XX/XX/XXXX, XXXX XXXX mailed me to say they were clearing all monies ( transactions, fees, penalties ), closing my account as I had requested, and reporting the change to the credit bureaus. I received a letter on XX/XX/XXXX from the XXXX confirming same ( all documentation attached ). My credit score immediately jumped back to its normal 750 range, and all was well.
Until today.
I am in the process of purchasing a new home, and our credit report came back with a claim from your agency, citing a collection of the above-referenced debt. I called your company for an explanation, and was told that you had purchased this debt on XX/XX/XXXX. If that is the case, how was XXXX XXXX able to adjust my account? How could they have corrected the issue with the credit bureaus if they didnt even own the debt? None of this foots, and I demand an explanation.
I am already being negatively impacted by this matter, not only in the interest rate Id have to pay on my mortgage, but on the limitation it puts on the amount I can finance.
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| 03/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX I reached out to the three credit bureaus requesting the latest updated version of my credit report, after reviewing my credit profile I noticed an erroneous creditor ( XXXX XXXX XXXX XXXX jeopardizing the integrity of my credit profile, by law if the FCRA I have the right as a consumer to challenge any information thats does no appear to be accurate so I sent in a letter via asking that this information pleased be removed from my credit profile I sent the letter to XXXX XXXX XXXX XXXX, SC XXXX, after about 30 days XXXX XXXX to be exact I received correspondence and received confirmation from XXXX XXXX Bank stating this account will be removed, which was the resolution I had asked for, everything was good up until around 45 dats after the removal I seen a new account added back to my credit profile with a different Creditors name I challenge them and asked why was this information I just challenged recently in the past and had removed back placed on my credit report, they stated they now manages the old Creditors account under a new business name so when I challenged this issue with them they told me they will no longer reinvestigate and that the collection will remain on my credit report which is very unfortunate considering it only appears on XXXX of my credit reports which cant be 100 % accurate an as a Consumer that put me and my credit at great jeopardy. I have been going back and fourth with this creditor that I have no acknowledgment of and its not getting nowhere. I have invested time and money into this battle I have proof of USPS receipts, Im asking that you please remove this account off my credit report.
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| 03/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/21 Amt {$2400.00} I have knowledge of this account and I didnt not authorize to open it.
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this
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| 05/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with resurgent capital services, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
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| 08/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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Went to XXXX to check credit card offers so I can get a card with intro rate of 0 % for specific period as one card is coming to an end and I still have a {$600.00} plus bal. On my XXXX account it matched me to several credit card offers and I chose XXXX XXXX XXXX XXXX XXXX XXXX card. I applied and created an account online. I tried to log into said account to expedite a balance transfer but was unable to log on to my newly created account. After several attempts online I called the XXXX XXXX number associated with the card ( XXXX ) XXXX. From there i had to enter my personal information and I found out that my account had been sold to a debt collector. 'Resurgent ' ; to which I was " transferred '' or would be transferred but I was asked for my social security number again. I did NOT enter it at that time and I hung up. My credit score is XXXX when I checked it after logging onto XXXX and it went down three points with the XXXX XXXX credit check. However this 'debt ' that I DO NOT HAVE i fear will disrupt my credit rating. I used to have an account with XXXX XXXX over a decade ago which was discharged though a bankruptcy back then. So I didn't think this sort of thing could happen when there is no real debt. This all happened today XXXX XX/XX/2023 around XXXX XXXX so some of the info I had to provide through your site didn't quite match with the problem I am experiencing and don't know what will happen now. One minute I get approved for a card and then I can't log on to my brand new account and then I find my account had been sold to a debt collector when there shouldn't be any debt. This is where I am at. Can you help me.
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| 03/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I HAVE NEW AND UPDATED INFORMATION ABOUT LVNV FUNDING LLC. LVNV IS NOT LETTING ME EXERCISE MY FEDERALLY PROTECTED RIGHTS UNDER THE FDCPA.
I HAVE REACHED OUT TO LVNV AND THEY KEEP RESPONDING TO CFPB SAYING A LITIGATION IS PENDING OR PRIOR ON THIS CONCERN WHICH IS INACCURATE NO LAWSUIT IS IN PLACE AS OF FEBURARY XXXX. I SPOKE WITH XXXX XXXX ON XX/XX/XXXX THAT WORKS WITH THE ATTORNEY XXXX XXXX THAT TOLD ME THE SUMMONS THAT WAS FILED XXXX XXXX IT WASNT SUCCESSFULLY SERVED AND HAS EXPIRED AND SHE TRIED TO GET ME TO PAY IN FULL OR SAID I COULD SET UP A PAYMENT ARRANGEMENT WHICH IS STILL ATTEMPT TO COLLECT ON A DISPUTED DEBT PURSUANT TO 15 USC1692G ( B ) ALL COLLECTIONS SHALL CEASE DURING DISPUTE. XXXX ALSO STATED MY LETTERS ARE ON FILE AND THEY HAVENT DECIDED IF THEY WILL RESPOND TO THE VALIDATION OD DEBT WHICH IS OVER A MONTH PASS THE DUE DATE. THE CIVIL CLERK AT XXXX DISTRICT ALSO TOLD ME THE SUMMONS WAS NEVER SERVED. LVNV IS WILLFULLY AND NEGILENT NONCOMPLIANCE WITH FEDERAL LAW. I WAS NEVER SERVED NOR HAVE I RECEIVED ANY NOTICE SHOWING SOMEONE TRIED TO SERVE ME. I SENT LVNV A VALIDATION LETTER THAT WAS RECIEVED XX/XX/XXXX BY XXXX XXXX, DUE TO XXXX EMAILS I RECEIVED ON BEHALF OF LVNV USING OBSCENE AND PROPANE LANGUAGE AND THRETHENING ME TO TAKE LEGAL ACTION THAT CANT BE TOOKING. I HAVE SENT MULTIPLE LETTERS AND THEY FAILED TO RESPOND AND CHOSE TO USE THIS STALL TACTIC. PURSUANT TO 15 USC 1692i ( b ) NOTHING IN THIS SUBCHAPTER SHALL BE CONSTRUED TO AUTHORIZE THE BRINGING OF LEGAL ACTION BY DEBT COLLECTOR. NOR DID I SIGN A CONTRACT TO AGREE TO A SUE.
LVNV HAS NOT HAD MY PRIOR CONSENT TO CONTACT ME PURSUANT TO 15 USC 1692c ( a )
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| 10/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
Servicemember |
|
In accordance with the Fair Debt Collection Practices Act LVNV FUNDING LLC & XXXX, XXXX, XXXX XXXX XXXX, XXXX Attorneys of Plaintiff XXXX XXXX XXXX XXXX XXXX, Florida XXXX has violated my rights.
1.15 U. S. C. 1681 Section 602 A : States I have the right to privacy.
2. 15 U. S. C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
3. It is Fact that LVNV FUNDING LLC is a debt collector as defined in the Fair Debt Collection Practices Act specifically 15 USC 1692a ( 6 ) because they are attempting to collect an alleged debt.
4. It is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692b ( 5 ) for using their logo indicating that they are in the debt collection business ( See Exhibit A/A ( 1 ) & A ( 7 ) ) 5. It is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692b ( 2 ) for stating that affiant owes an alleged debt ( See Exhibit A/A ( 2 ) A ( 5 ) & A ( 6 ) ) 6. It is in Fact that LVNV FUNDING is in violation of 15 USC 1692e ( 2 ) ( A ) for using a false and deceptive character for the alleged amount due ( See Exhibit A/A ( 3 ) ) 7. It is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692d ( 1 ) for threatening to harm my personal reputation over and alleged debt ( See Exhibit A/A ( 4 ) ) 8. Its is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692j ( a ) for intentionally furnishing deceptive form ( See Exhibit A ) XXXX. It is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692b ( 4 ) for communicating with affiant by postcard without the expressed direct permission of affiant ( See Exhibit A )
|
| 02/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2020 I noticed two different accounts on my credit reports that I did not recognize from LVNV Funding. I realized I had never received a notice of the right to dispute regarding these collections. That same day, I sent LVNV Funding a letter to validate each of the accounts. I have a certified return receipt that XXXX XXXX signed for my letter on XX/XX/2020. In the 30 days that followed I did not receive any documentation validating either debt. I checked all three of my credit reports and they failed to mark either account as disputed. On XX/XX/2020 I sent a follow up letter stating they failed to validate the debt, neglecting to send any documentation and requesting to have the accounts removed from my credit reports immediately. My XXXX letter was received certified return receipt on XX/XX/2020, also signed for by XXXX XXXX. Again, I received not response and the accounts were still not removed. I sent all of my documentation to the 3 credit bureaus and again it was not removed.
Over a year later I received a letter that a law firm XXXX XXXX XXXX XXXX that they were now handling one of the accounts and provided a packet of information regarding the account. I sent them all of my documentation that LVNV Funding failed to validate the debt. The law firm proceeded to file a lawsuit against me for one of the accounts. At the first court hearing the lawyer from XXXX XXXX XXXXXXXX was very arrogent towards me, telling me that it didn't matter that XXXX didn't follow the validation law upon receiving my letters or the fact that they failed to validate the debt. He stated I now needed to settle the debt with his firm.
|
| 10/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
|
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I recieved my first email from LVNV on XX/XX/2020 requesting attention be given to a credit card account that I was unable to pay due to being unemployed. I remember thinking, how unprofessional it was to request payment be made for a debt at the very time COVID had started to affect employment, causing employers to shut down and stay in place orders were in place. At that time I was recieving only Welfare as income and food stamps as food. LVNV continued to contact via email at least once a week to place their payment before the immediate needs of what the pandemic had already caused. Statements such as Fullfill your obligation, resolve your responsibility, if you take care of matters now, then you can get back to what matters, just to name a few. The following is a list of dates this year 2020, that I recieved emails into my personal email account from LVNV, from the very first to current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have all emails sent from company and can forward if needed. Initial person of contact was XXXX XXXX, the XXXX XXXX, now its been consistently XXXX XXXX. I jus strongly feel this company have been extremely inappropriate to contact as much and say the things they do to collect a credit card debt when the main global concern at this time is COVID-19 deaths and continued loss of employment opportunities.
|
| 04/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
An account with Resurgent Capital Services was originally placed on my credit report in XXXX of XXXX. I have repeatedly asked for proper validation of the debt with the most recent request being XX/XX/XXXX. I asked for the company to provide the following information which would be proper validation of the debt : Please provide a contract, agreement, assignment, or other means demonstrating that LVNV Funding LLC or Resurgent Capital Services L.P. has the right to collect on the alleged debt - Please provide reasonable proof, such as an original, or copies of assignment agreement transferring the alleged contract or account in question from XXXX XXXX XXXX over to LVNV Funding LLC to show an assignment has been made and that LVNV Funding LLC is the real party of interest.
- Proof of your right to own/collect this alleged debt and that you are licensed to operate in the state of Ohio - Itemized statement of the balance claimed including all fees, interest, and penalties - Proof of assignment of debt from original creditor and notification - Amount that you purchased the debt for - A written agreement between myself and your company regarding this debt - Original cardholder agreement from the original creditor - Proof of assignment rights to Resurgent Capital Services L.P .
In return, the company sent me a printout of an account summary sheet from their system and a printout of a credit card statement from XXXX of XXXX. This is the same information that they have sent me on every validation request since the account appeared on my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act.
|
| 10/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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|
There is an unknown and unverified debt reporting on my credit report with all 3 credit bureaus. The collection compnay shows lvnc funding llc c/o resurgent. The address for that company shows XXXX XXXX XXXX XXXX, SC XXXX. The collection amount is showing {$96.00}. I have ever done any business with this company. I have reached out to the company by letter. On XX/XX/2019 a mailed a credit validation demand letter to try to obtain information as to why its reporting or where this debt originated from. I sent the company a priority letter with signature requested and a certified letter. Both letters have tracking. The priority letter with signature was delivered to the address above on XX/XX/2019 at XXXX. This letter has not been picked up from the post office. I also show the certified letter was delivered but on XXXX XXXX at XXXX. The company has not responded or provided me with any proof or documentation that this debt belongs to me. Both letters stated the company had 30 days from the receipt date to respond. I have received no response. In addition the letter stated until the requested information was sent validating I owe this debt, all collections needed to cease and desist. On XX/XX/2019, when I reviewed my credit report, I showed the company still continued to report the debt after receiving my letter. I do believe the letter, that needed signature has not been retrieved/ignored, as a deceptive tactic to continue reporting and trying collect on a debt. The reason why the company received the demand validation letter, is because i never received a letter from the company and the inaccuracy is damaging my credit.
|
| 03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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On XX/XX/2020 at XXXX XXXX I sent written communication to LVNV Funding LLC dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXX, and XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from LVNV Funding LLC dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, LVNV Funding LLC sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing LVNV Funding LLC communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires LVNV Funding LLC to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. LVNV Funding LLC provided none of the above. LVNV Funding LLC continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. LVNV Funding LLC has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.
|
| 09/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear CFPB, Around XX/XX/2017 XXXX had called us about our credit card being maxed out and not paid. The problem was we didn't not open a CC with XXXX. After further investigation, we found out that we were a VICTIM OF IDENTITY THEFT, we found out we had cards with XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX.
We called local law enforcement and filed a police report, we put a locking mail box, most of the bills were being sent to our home, then the address was changed across the street, then changed across town to anther XXXX address. We have lived in the same home for several years as we own the home. Local law enforcement knows who did it and have a report on file.
All of the creditors have gracefully worked with us removed the fraudulent accounts accept XXXX XXXX XXXX, THEY WERE HAVING NOTHING TO DO WITH THE IDENTITY THEFT AND WANTED PAID. They sold the account to a collection agency LNV FUNDING LLC.
Which we have tried to work with, they refused to take the paperwork on the identity theft. They have been rude, and insist we owe a debt, even though it was a fraudulent debt.
We have had no cooperation from them at all. They even threaten to put me in jail, they have been rude on the phone, refuse to talk to us, work with us and help us resolve the issue do to identity theft.
We have no other choice to but file a complaint with you, we feel we are being unjustly harassed for this account from them.
We have attached the compliant against XXXX XXXX XXXX and our credit report.
|
| 09/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have written several times to these credit card companies since XXXX in that these charges are fraudulent and that I did not authorize while I was not allowed in my home. IE. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. These cards where at a XXXX balance and numerous times I have written and even call the card company on the disputed charges that are now on my Credit Report.
Also, I have informed the Credit Bureau of Identity Theft of my information that I have submit to the FTC and the Local Police and now I am receiving threats of inappropriate conduct of collection agencies calling me names and even insulted me by calling me using inappropriate language. The federal Fair Debt Collection Practices Act ( FDCPA ) was enacted to curb these annoying and abusive behaviors, but some debt collectors flout the law. Being threaten that I committed Fraud and that I will be arrested ; this is a violation of this Act. LVNV Funding LLC and XXXX XXXX XXXX are both companies that have called me an threaten me with arrest due to fraud and used inappropriate language towards me. In that they were informed by the Illinois XXXX XXXX that their conduct is a violation of this Act. In that I also filed a complaint against them to the FTC for this action.
Numerous times, I have file with the Credit Bureau and with XXXX XXXX, that the Veterans Affairs is responsible for this bill and that the VA had paid the company and still being harassed in a Debt that was the Veteran Affairs Responsibility. In accordance with the Act, this is not to be on my credit report and that its still there after 5 years of frighten with this issue.
|
| 09/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I was notified that I had a balance due on a bank card. I attempted to find out what the status was on the XXXX XXXX XXXX card XXXX. My credit limit was only XXXX and they say I owe XXXX. The amount of debt they were reporting was not the correct amount, as it far exceeded the credit limit. I had moved and was not aware any balance on the cards.
I requested for over a year from XXXX XXXX copies of the debt so I could review and resolve the amount owed. During the process XXXX XXXX closed the account and charged it off. They also sold the debt to LVNV Funding who purchased my bank card debt. I have for the last 6 months requested from LVNV the same detail on the charges on my bank card. LVNV was collecting the charge and then purchased the debt.
In both cases I have never received any information on the bank card. It is outrageous that neither XXXX XXXX nor LCNV did not send me the information and now I have charge off, I have an amount that far exceeds what I would have owed and the situation is as bad as it could be.
Because of this I am unable to rent an apartment or find a job, I have few resources very little recourse. My credit has been significantly affected by this and consequently especially due to the current pandemic I have few options.
I am asking to resolve the situation with the receipt of information from LVNV with proof of the debt, in detail including all items, debt owed, interest or other charges and for the elimination of the negative reporting by XXXX XXXX and with LVNV to negotiate a settlement of the correct debt and the elimination of the negative reporting on my credit report.
|
| 01/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
LVNV Funding LLC, has reported to XXXX that I owe them {$230.00} for which is absolutely erroneous.
This an official complaint of dispute.
1. ) The alleged creditor is a computer, that has generated this fraudulent debt of {$230.00}.
2. ) The alleged creditor can not validate with an notorized " Affidavit '' that it is not a computer.
3. ) The alleged creditor can not provide a singed agreement between the alleged original creditor to validate the claim that the consumers personal information belongs to the alleged debt of {$230.00}, in compliance with Fed R. Of Civ Pro 4, ( Probable Cause ).
4. ) The alleged creditor can not provide a copy of the alleged original creditor, " Notice of Service '', in compliance with Fed. R. Of Civ Pro 4.
5. ) The alleged creditor is in possession of the consumers email address, date of birth, SS #, previous home addresses, present home address, phone number, back acc info, and seeks to utilize said info across the state lines of Ohio and Mo, via U.S. Postal and or via internet to obtain U.S. currency, for which the consumer views as identity theft, libel, slander, cyber terrorism, tax evasion, money laundering.
6. ) The alleged creditor seeks to confirm the claim of debt by submitting my personal information, without submitting any affidavit that would allow the consumer to know any of their personal information, needed to file complaint with The Federal Court.
7. ) The maliciously filed debt notice appears as public record on file with theXXXX major credit bureau s, XXXX, for which has caused the consumer atypical and significant hardship due to deformation of character.
|
| 08/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX LVNV FUNDING LLC Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history.
Account Information : - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation.
I kindly request that you investigate this matter and remove the account from my credit reports with XXXX and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being.
Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter.
You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation.
Thank you for your immediate attention to this important matter.
Sincerely, XXXX XXXX
|
| 05/03/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
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|
My XXXX XXXX Credit Card Account was charged off and sent to collection with prior notification. I was not contacted at my current address and FDCPA ( codified as 15 U.S.C. 1692 -1692p ), FCBA guidelines for Debt Collection were not followed by Resurgent Capital before reporting to XXXX , XXXX and XXXX . I was shocked to see the collection account on my credit bureau reports, reporting as LVNV Funding which is associated with Resurgent Capital, and immeditaley contacted them and paid the settlement in full on XXXX/XXXX/2015 to XXXX XXXX and XXXX which collects debts for Resurgent Capital/ LVNV Funding LLC ( Payment Confirmation XXXX with XXXX XXXX and XXXX on behalf of Resurgent/LVNV, file number XXXX ). This should not have happened had I been contacted or made aware of the upcoming collection debt. Also, I have been trying to contact XXXX XXXX Bank prior to seeing the collection account on my credit bureau reports but it was extremely difficult to get proper information about my account, and how to take care of the account and bring to current. They had charged the account off and sold it to collection without any proper notification and contact. I am well aware of my rights to receiving fair and timely information regarding my financial obligations and I should have been notified about any account going to collection.
I am requesting Resurgent Capital, LVNV Funding XXXX XXXX XXXX to immediately remove the Collection account for XXXX XXXX Bank from all three of my credit bureau reports. It is adversely affecting my credit standing and hurting me, my family and my family 's financial health and well being.
|
| 04/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX XXXX put to collection XXXX XXXX XXXX the amount of {$870.00} opened XX/XX/2014. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXXXXXX XXXX to find out why they put me in collections. I contacted XXXX XXXXXXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXXXXXX XXXX I decided to contact again XXXX XXXX XXXX by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX, XXXX, and XXXX or provide me any signed documentation or any other proof of me authorizing this account.
|
| 04/25/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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On XXXX XXXX XXXX , I received a collection letter from a Resurgent Capital Services saying I owed them {$900.00} that was purchased from XXXX XXXX XXXX . It also stated on this letter that they would make an entry to my credit report, which would have detrimental affects on my credit. On XXXX XXXX XXXX , I sent them a letter stating I was not aware of having any account with their organization or with XXXX XXXX . I asked specific questions of the company in this letter, namely, for account statements and signature cards proving I was in ownership of said account. On XXXX XXXX XXXX , the company sent me a letter stating that they purchased this account from XXXX XXXX and I owed them {$900.00}. They did not include any of the requested information, as there were no account statements or signature cards attached, In addition, I asked for a copy of the bill of sale and individual names and addresses of staff at XXXX XXXX they were dealing with who sold them this alleged debt, none of which were provided to me. On XXXX XXXX XXXX , an entry was made to my credit report under the title LLV Funding listed as a collection account. The entry was listed as disputed and verified under the FCRA. On XXXX XXXX XXXX , this company sent me another letter saying that they were resuming collection activity on my account and I should contact them for payment. On two occasions, I attempted to contact this company to ask questions about this alleged debt, however I was told that they would not provide me account information, since there was a cease and desist on the account.
|
| 10/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I looked into my credit and found several accounts that didnt belong to me from finger hut. I disputed it however theyre certain that the account belongs to me. I asked for proof that I opened the account but non was provided to me! This account appears on my credit report twice theyve also sold the account to a collection agency, so not only are they trying to collect but the collection agency is also to collect which is clearly showing on my credit report as a debit and its showing as recent as XXXX which isnt true this fraudulent account has been on my credit for over 7-8 yrs. But Im just made aware of this. Im also having an issue with an Old car loan that was opened in XXXX thats saying that I owe XXXX on a car that was all paid for Except for {$690.00} which was the original charge off the past due was {$780.00} the Car was stolen in XXXX they keep re submitting this on my credit report my car was stolen In XXXX. I provided the police report to the finance company yet theyre showing that the debt was as recent as XXXX and thats not true! I only owe {$780.00} which was all owed from me because the insurance paid the rest! Unfortunately I didnt have GAP insurance so I was left with a balance of XXXX,, at the time I was upset that my car was stolen not to add that I had to repurchase a new one so I couldnt afford to pay them and buy another car! They refused to work with me so it went on My credit! I have a Police report support what Im saying! That this was in XXXX not XXXX! These people are making it impossible for me to reestablish credit by putting fraudulent, false and negative things on my credit
|
| 04/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
I had a credit card with XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX ) ( Phone:XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, which maxed out and I couldn't pay until I sold my house. In XX/XX/XXXX I sold the house and tried to pay this off. It had gone to collection with XXXX XXXX, XXXX. So I called XXXX XXXX XXXX ( Also called XXXX XXXX, Phone : XXXX XXXX XXXX XXXX ) and they reached a settlement with XXXX XXXX XXXX for {$690.00} on XX/XX/XXXX and paid {$50.00} on the settlement and {$28.00} each month after that. Then Resurgent Capital Services ( Phone:XXXX XXXX XXXX ) took over the settlement in XX/XX/XXXX. XXXX XXXX XXXX paid XXXX XXXX, who paid Resurgent Capital ( Also called XXXX ) the $ XXXX monthly payment-until I came up with the money and tried to pay it off. I paid XXXX more than enough for the payoff. But when they tried to make the payment, first they had to track down XXXX, and then XXXX refused the payment, which they gladly took the monthly payments up to then. At the same time XXXX claims the difference between the settlement and the original bill with XXXX XXXX is a totally different account which no payment has been made on. If you check the account number each of these outfits use you will find the exact same credit card number on each with no change. In other words, it's the same account.
The only thing from XXXX that matches anything is the bank name and credit card number. They even change the amount at will. I've tried since XX/XX/XXXX to resolve this and got nowhere. Obviously XXXX is trying to pull a scam at my expense and intentionally ruining my credit with their scam. I need this repaired.
|
| 05/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
In XXXXXXXX XXXX XXXX XXXX claimed that their equipment was not returned. After providing proof that the equipment WAS returned and signed for, XXXX acknowledged their error then issued a refund to my bank. The following month, incredulously, they decided to rebill my account. The charge was disputed, investigated by XXXX XXXX XXXX XXXX, who found in my favor. Since then, the supposed " debt '' has been passed on to different collectors, and I am constantly having to provide proof that this is not a viable debt.
The latest collection agency to handle this non-debt, has been Resurgent, and although I have sent them proof that this is NOT a viable debt, they continue to refuse to acknowledge the truth or remove the debt from their books. Instead, they continue to send a form letter telling me of their intention to collect the unpaid amount. Calls to their XXXX number are ineffective as they claim a previous cease and desist order prevents them from discussing the case.
They have also refused to establish the validly of the debt, instead, they have provided me with the date and amount of the supposed debt, but have not made any attempt to actually verify the debt with XXXX, or investigate or acknowledge the undisputed evidence that they have received clearly indicating that there is not a valid debt.
Despite the acceptance of a stop and desist order, the refusal by Resurgent to remove the bogus debt from their books, leaves this issue unresolved with possible consequences to my credit rating.
I need to have this issue resolved once and for all to prevent future possible damage to my economic standing.
|
| 02/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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LVNV Funding will not provide full debt validation in writing when I have repeatedly asked for it.
They claim that I owe them XXXX after purchasing this old debt from XXXX XXXX XXXX XXXX XXXX.
I have gotten nothing but hung up on when calling this collector.
XXXX will not fully investigate this matter. Perhaps my choice of verbiage when filing my dispute was considered inferior, because I filed a 2nd dispute online today and as soon as I hit send, I received an immediate message from them informing me that I could not dispute this item again, as a recent dispute was just closed.
This is indeed maddening.
I am not being given full proof or validation to substantiate the decision backing the validity of this debt.
LVNV reports that the last 4 numbers of the account end in XXXX, and that the status of the account is closed.
The most recent negative report date by them being today, XX/XX/2020.
Also XXXX XXXX / XXXX XXXX XXXX, and Resurgent Capital are reporting on this same account as well.
I did not think an account could be double or triple reported whether the account was accurate or not.
XXXX XXXX XXXX XXXX XXXX has sold this account to LVNV some time ago.
I have no account number from when it was owned by XXXX XXXX / XXXX XXXX XXXX.
Also an interesting thing to note about this account, is that it has no data available. No payment history whatsoever.
Yet XXXX XXXX XXXX XXXX, Resurgent Capital, or LVNV insist it is my account, and it is being reported that it is a collection account at all three credit reporting bureaus by one combination or another of the aforementioned companies.
|
| 12/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom It May Concern This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize.
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
Your office has reported invalidated information on my credit report. I have attached a copy of the certified mail receipt that shows your office received the letter requesting validation of this debit on XX/XX/2022. To date, your office hasn't provided me with any documentation.
Reporting invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) may constitute fraud under both Federal and State Laws.
Due to this fact, I am requesting that this collection be removed from my credit report.
I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Your office failed to respond to the validation request within 30 days from the date of yourreceipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX
|
| 03/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I sent a letter to LVNV Funding requesting validation of this alleged debt of {$700.00} they said I owed through a letter I received from them. My request for validation was completly ignored and nothing was sent to me validating this supposed debt. Then I wrote them again in XX/XX/XXXX, and received a reply from LVNV Funding d/b/a Resurgent Capital Services on XX/XX/XXXX stating my request for validation was " frivolous and irrelevent '' and " they refuse to investigate my request ''. I wrote them back on XX/XX/XXXX reminding them that they must validate the alleged debt as per the FDCPA or cease collection attempts and reporting it to the credit bureaus. On XX/XX/XXXX they responded saying they received my request and have enclosed their " account summary as verification ''. What they enclosed was a simple half page document made by someone on a computer, which by no means what so ever did it meet the requirements of legal debt validation. So I once again sent them yet another letter on XX/XX/XXXX again requesting legal validation. I heard nothing back from them. So again in XXXX XXXX XXXX I send a request for validation, and on XX/XX/XXXX I received a reply letter from them stating that they don't " believe '' it was me who prepared the letter requesting validation therefore outright refusing to investigate my request, again calling be frivolous and irrelevant. Over all this time they continue to report this alleged debt to all 3 of the major credit bureau 's as a derogatory and negative account against me, not ever reporting it was disputed. This has cause me much financial hardship.
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved will be filed if any and all derogatory information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
|
| 02/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
I am presently in Debt Relief and have contracted XXXX XXXX XXXX to assist me in settling my debt. They are doing a good job and are not the problem. On XX/XX/2018, they settled my account with XXXX XXXX XXXX. On XX/XX/ 2018 they settled with XXXX XXXX XXXX XXXX XXXX. At some point after they settled the accounts were sold to LVNV Funding LLC. LVNV assumed the settlement agreement and they are accepting payments as agreed upon in the settlement agreements. For some inexplicable reason however LVNV Funding is reporting these accounts as in collection, which they are clearly NOT. They are also reporting the collections for the entire amount that was owed prior to settlement. I have no idea why they are doing this. Title 16, Part 660 Duties of Furnishers of Information to Consumer Reporting Agencies, Appendix A ( I ) ( b ) ( 1 ) states that information furnished regarding relationships with a consumer must be accurate, reflect the consumers terms of and liability of or other relationships and reflect those accounts accurately and reflect the consumers performance with respect to the account. The furnisher must reflect the integrity of the account, which includes but is not limited to update the current status of the consumers account and any attempt of the consumer to cure the account. They are clearly violating the Fair Credit Reporting Act by not reflecting my information correctly. This inaccurate reporting not only puts my credit file further in jeopardy but is double jeopardy because the original credit reporting it negative as well. This is unfair and stymies my ability to rebuild my credit file.
|
| 05/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have a charge off account with this company that is reporting on my credit file there company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
|
| 04/24/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX XXXX while trying to refinance my home, i found a lots of credit inquires i did not initiate, including a XXXX XXXX CC i did not apply for. I Filed with XXXX XXXX XXXX and completed the process ultimately freezing my credit. I had multiply accounts removed from my credit and thought i was done. One of the accounts removed from my credit by XXXX was from XXXX funding who i assume once it was removed from my credit sold it to XXXX XXXX bank. i then disputed the information again with XXXX XXXX bank and received no response from them. And now a new company called Resurgent capital Services is try to take over the already deleted debt, sending me threatening letters and providing vague information in letters saying it is the information i requested. I specifically requested information regarding the bank account information they supposedly sent the funds to, because i received no such funds, in addition i have never lived at the address they have listed in association with my name. I have filed police reports and they are included in these reports. I am requesting the CFPB take action against this company because now they are sending letters stating i have not provided enough information to " support your claim '' of fraudulent charges. i am very concerned because now they are sending forms to fill out requesting all of my information ( id. drivers lic number address, SS number, past addresses, DOB, Police reports, ETC. ) which given the lack of information they seem to posses now feels like even more of an infringement of my privacy. Please advise. Thank You.
|
| 09/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have filed multiple reports against XXXX XXXX XXXX. Currently I have multiple accounts negatively reporting on my credit reports daily, yearly and in multiple collections accounts in their behalf. These accounts are false! I took out a loan with XXXX XXXX and later refinanced the loan after paying it down. This was suppose to close the old loan and open a new loan. However they never closed out the old loan in the system and we were being billed double. We complained and nothing was done and they charged off our account. After the company was sued in a CLASS ACTION LAWSUIT we received a debt forgiveness letter and tax form. We paid taxes based on the forgiveness and it was never applied properly to the accounts, collections or credit bureaus. Instead multiple accounts, multiple collections all with different amounts and dates with various company names are being reported. This is reflected in the loan dates XXXX XXXX XXXX OPENED ON XXXX, XX/XX/XXXX, XX/XX/XXXX. Were also being charged for a loan for XXXX XXXX AND XXXX XXXX. XXXX XXXX is now named XXXX XXXX. My loan was paid in a timely matter until someone messed things up as you can see in my history with the original loan. This is Fraud. Im being harassed by bills that arent even valid. The company was sued by a CLASS ACTION LAWSUIT and we received a forgiveness letter with a tax notice to summit with our taxes however their are multiple collections with various companies for multiple loans and amounts opened in my name and credit. Everything has the wrong information most importantly my credit report and account history with XXXX XXXX XXXX.
|
| 05/02/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
XXXX/Resurgent capital services are an unethical company. XXXX is a debt buying company where they pay pennies on a dollar for debts. They got a debt that they found my name and even though I've told them fir the last 2 years it's not my debt.they continue to harass and charge they have ruined my credit to the point that I'm XXXX as I am unable to get an apartment because of how they have impacted my credit score and credit. They do not care if they have the right person as long as they can say they have found someone with a name similar to debt they dont care they are like leeches attached to an person do not let go even when they are wrong. XXXX has stated they validated that this was my account I said show me validation they can not because XXXX electronically says it's my bill there are 2 people with my name I popped up first and they have gotten all my personal information and have made my life XXXX..o w am XXXX years old with a XXXX XXXX high medical Bill 's and prescription drugs that are very expensive XXXX has unethically chosen me to go after its ruined my credit I'm XXXX and it's starting to impact my health to a point that's scary. XXXX should not be allowed to practice business the way they do resurgent is parent company but since XXXX is a debt buying company there are no laws that can protect the old and poor from this company they are scum and should not be practicing there have been many complaints to the better business bureau here in mn and south Carolina where their corporate headquarters please help so I can get a home please understand that being XXXX at XXXX isn't easy
|
| 09/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This company was issued a complaint under Case No. XXXX. Unfortunately, it has now resulted to violating the Fair Debt Collection Protection Act and I request the CFPB launch an investigation on my behalf.
I believe LVNV Funding, dba XXXX XXXXXXXX XXXX, has violated my rights pursuant to the FCRA. On XX/XX/XXXX, I sent the company a debt validation letter in the mail via USPS. I was responding to the companys hired debt collector, Resurgent Capital Services, request that I make a payment in its letter sent to me in XX/XX/XXXX. I disputed the amount of the payment and requested the debt collector validate the debt. I did not receive a response from Resurgent Capital Services. Instead, I received a letter in the mail from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX. The letter from XXXX XXXX was confusing because it failed to address if it was now the new debt collector and Resurgent was not.
In early XX/XX/XXXX, I was alerted by XXXX XXXX XXXX that I had a collection account placed on my credit profile. It appears that in order to circumvent its obligations under the FCRA, LVNV Funding hired a new debt collector after it received my debt validation letter and the new company XXXX XXXX XXXX XXXX ), immediately placed a collection account under my credit profile. It also appears to misrepresent the date the account was opened. The company reports that the account was opened in XX/XX/XXXX, but it was opened in XX/XX/XXXX and closed shortly afterwards due to never receiving a card in the mail after multiple requests for one. I would like to sue this company for violating my rights pursuant to the FCRA.
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company is in violation of the consumer law. My personal information was sold in illegally used bye a third party. According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
|
| 02/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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LVNV is a collection company. They are listed on my credit reports. Under collections. I have been disputing this since 2016 of XXXX until present day. On my credit reports under comments of this account listed. Sometimes it says its open or closed. It is listed under the collections part of my reports as open. Even though the notes inside of box says closed. It also states under comments FCRA Agrees with consumer and this debt is not valid and account is closed. So I am fed up. This collection company has not only collected money from me in the past because I believed it was mine until I was able to actually look at it and so also knew nothing about credit repair. I thought if a collection company calls I have no choice but to pay it. They have called me at work in 2016 everyday in XXXX for weeks straight and I would tell em I am at work. again they would call either the next day or later that day.
This account is hurting my credit report and holding me back from maintaining any kind of good solid report. It is also holding me back from obtaining credit I deserve. I have asked all three credit bureaus with my IDTHEFT.gov paper work over and over to remove it. And here it still is being reported. I am reporting to you all three credit bureaus for their lack of response each time to this matter. As well as LVNV FUNDING. I dont deal with creditors. Especially secondary ones from accounts I never had. I would like to be compensated for emotional duress this plays a huge part of my life. It stops me from retrieving good insurance rates as well as personal loan I will be needing. Please help me.
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| 06/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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There is an account that has been without ongoing validation and verification XXXX XXXX, removed and consistently resold and purchased. Current request for validation by creditor and XXXX, XX/XX/XXXX- resulted in account updated. New letter from another creditor, responding via certifed XX/XX/XXXX Resurgent Capitol Services. Previously removed XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX- due to unable to verify information, wrong addresses, and identity.
The consistent denial of validation and proof of debt a collection, including the last certified letter of validation to another creditor- Resurgent Capitol Services.
Sent in XX/XX/XXXX - XXXX XXXX not licensed or permitted to collect. As of XX/XX/XXXX- capital resurgent services- is attempting without validation or proof.
Request previously for account information, signature, original creditor, discharge dates have continued to change. No proof and no continuity of investigation- where their is my signature or responses to certified mail-exceeds 30 DAYS.
The last inquire was XX/XX/XXXX- to XXXX via priority- detailing the illegal efforts to collect of an validated debt. Response XX/XX/XXXX- this account has been in question since XX/XX/XXXX. XXXX refuses to report method of validated or methods investigation.
Yet still reporting to XXXX I have sent certified proof of this fraud and illegal efforts to collect. XXXX denies and refuses to discuss how an invalidated debt that is not licensed in Virginia, continues to be displayed.
I understand my Fair Debt Collection Practices Act requests and legal obligation to report correctly are being ignored.
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| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am the author of this complaint. I checked my credit report and saw that an account from XXXX XXXX XXXX was reporting inaccurately, so I sent a letter to the CRAs disputing the accuracy and completeness of this account onto my credit report. I received the results of the reinvestigation from the CRAs and I noticed that this company " verified '' that the account was reporting accurately. I used the XXXX XXXX Guideline to cross reference how this account should be reporting and they are in fact, still reporting inaccurate and incomplete information onto my credit report. I have been denied credit and loans due to them furnishing incorrect information. I have also called XXXX on a recorded line and spoke with a manager who informed me that the debt was sold to RESURGENT RECEIVABLES who will be joined to the original creditor in arbitration if I were to file a claim.
XXXX XXXX XXXX has violated 15 USC 1681s-2b and could be held liable for actual damages under 15 USC 1681n for willful noncompliance. This company has violated the Fair Credit Reporting Act. I've searched the terms and agreement of my contract with this company and noticed that they have an arbitration clause, so I have sent a letter to this company ( via certified mail ) to make them aware of my intention to file an FCRA claim in arbitration if we can not reach a solution. Settling prior to filing a claim will be most cost effective to the company vs paying filing fees and arbitration fees A copy of my driver 's license, social security card, and the correspondence that I mailed to the company is attached to this complaint
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| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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LVNV funding continues to report an inaccurate and unverifiable account on my credit report. They continue to sell it within their own companies, as they have multiple llc 's. And this is negatively affecting my life and ability to acquire financing.
According to the FCRA 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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| 04/29/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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For years 2 debt collectors have been trying to recover a false debt from me. I have checked my credit report multiple times over those years and the debt never appears and my identity has never been compromised. These so called debtors do not have my full correct name, and claim the charge is for purchasing gasoline in Nevada. I live on the East coast and have not owned a car in 20 years. Somehow these companies have my mailing address. The first company that approached me on this was : XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, XXXX XXXX After sending them a registered letter informing them of all the reasons they have the wrong person, I reported them to the Consumer Financial Protection Bureau. Shortly after I started getting letters to collect the same debt from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX I sent this company a similar registered letter, telling them if they bought the debt from XXXX XXXX XXXX that I had reported this in 2016 to the Consumer Financial Protection Bureau. XXXX XXXX XXXX via Resurgent Capital Services ( XXXX XXXX XXXX, XXXX, SC XXXX ) recently sent me a lengthy request for proof of my identity theft ( which never happened ) and asked for more information about my identity. This is screaming RED FLAG to me, and I believe these false companies posing as debt collectors are actually the identity thieves. I will not be replying to XXXX XXXX XXXX any further, and instead I am sending this information to the Consumer Financial Protection Bureau hoping they will pursue this false, predatory claim.
Thank you for your time.
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| 11/16/2019 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
Servicemember |
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This HORRIBLE company has repeatedly tried to contact me on a debt that is not mine for {$1300.00} I've sent them a letter via CERTIFIED MAIL/RETURN RECEIPT they received on XX/XX/19 asking them to stop calling me and to prove the debt is mine. They have failed to provide me with a signed contract with my signature that shows I entered into any contractual agreement. They have sent me a very graphic and threatening text message to try to scare me, to my phone, with continued phone calls, false reporting on my credit reports, contacting my relatives, and other third parties. including getting robocalls.
You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
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| 04/10/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The company XXXXXXXX XXXX XXXXXXXX and it's affiliate or partner LVNV funding has attempted to contact me multiple times about a debt that has been in dispute. I have received numerous letters as well as phones calls during the time of a dispute. During the period of a dispute the collection agency or their affiliates are supposed to send validation letters validating the debt since the account has been disputed for identity theft. They have failed to provide this information of the charges or anything validating the debt and continue to contact me.
Per CFPB and FDCPA : '' The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXXXXXX '' " You have 30 days to dispute a debt or part of a debt within 30 days from when you first receive the required information from the debt collector. Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you. Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. '' I have disputed this debt and have yet to receive any validation letter, the only letters I continue to receive are letters to attempt to collect the debt and now that it has been assigned to an attorney for legal action.
The last letter I received was on XX/XX/XXXX stating the account has been assigned to XXXX XXXX XXXX. As well as received a call from XXXX XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX
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| 01/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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The Collection Agencies below have continued collection activity despite not properly conducting and obtaining by mailing debt verification after I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. Also XXXX XXXX XXXX and XXXX XXXX XXXX, have been advised they are in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Ac. Furthermore, I have never signed a Hippa release form with XXXX XXXX XXXX nor XXXX XXXX XXXX. Therefore these are inaccurate XXXX violations and I want them deleted immediately. Hippa laws protect my personal medical information from being used without my personal consent and they are now very much aware of these Hippa violations, delete immediately.
4 collection accounts Total balance : {$2400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$880.00} Balance updated XX/XX/2022 LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX
{$1300.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$64.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$86.00} Balance updated XX/XX/2022 When your account is in collections, consider these options :
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| 10/13/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was contacted by XXXX on XX/XX/21 ( SUNDAY ) through an EMAIL from an agent named XXXX XXXX, then I sent a reply that my name is being fraudulently misused and then I received an email on XX/XX/21 from an agent named XXXX XXXX. ( Last name was not mentioned other than the initial XXXX ), that stated : Taken from the FTC Fraud Affidavit and meant to help with the investigation. Please answer as many as you can and attach any supporting documentation.
Please provide your full legal name, date of birth, drivers license number, current address, and the date you first lived at that address.
Please provide information about the fraud ( like when you first discovered it, when you reported it to authorities or others, details about other frauds committee using your personal information ).
If you know the name of the person who used your information or identification documents to open new accounts or use your existing accounts or otherwise commit fraud please provide their name, address, phone number and any other information about the crime ( like how the identity thief gained access to your information ).
Attach any police report, government ID containing your signature, or other document that you believe would be relevant.
If you prefer, you can mail this information to XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, but I did not. Also, XXXX XXXX. had the original address : XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, that XXXX XXXX used for XXXX on XX/XX/21 BUT she also enclosed another address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, within the email Thank you, XXXX XXXX
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| 09/26/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XXXX of XXXX I enrolled with XXXX XXXX XXXX to assist with my credit card payments. I thought this was going to be better than filing bankruptcy. In XXXX or XXXX of XXXX XXXX XXXX agreed to settle my account for XXXX. XXXX XXXX has been making monthly payments to XXXX XXXX in my behalf since then. I checked my credit report XX/XX/XXXX, and found a company LVNV Funding was reporting me for collections in the amount of {$3000.00}. I called LVNV ( Resurgence Capital ) and they explained they purchased my credit card account from XXXX XXXX and that I would need to start paying them because they were the account holder now. I explained to them I settled my account with XXXX XXXX and wanted this removed from my credit report. The agent told me they could not remove it because I now owe the balance of XXXX to LVNV, and its now in collections. I asked why would I pay 2 separate companies for one credit card, and told them I was not paying them anything, and I want it removed from credit report. The agent told me that she will send me some paperwork showing the balance I owe and my account information. I contacted XXXX XXXX and was told an agent was going to review and get back to me on Monday XX/XX/XXXX. I don't know who LVNV Funding is. I never had a credit card with them. I also don't know how, or why, I would owe them any money on a settled account. I also don't know where all of these so called charges are stemming from on a closed account. Please assist with letting me know what my options are. I am attaching screen prints of my settlement info with XXXX XXXX and my credit report.
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| 01/28/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have previously sent LVNV Funding and affiliates a request to validate this debt, for the following account number XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX via certified mail. Under the Fair Debt Collections Practices Act ( FDPCA ), I have the right to request validation of the debt that you say I owe you per the FDPCA. I have given LVNV Funding 30 days to remedy this situation, which is not only a reasonable period but is also the maximum time request limit as indicated by the FDPCA/FRCA. I have received no reply from LVNV Funding, although I did receive signed confirmation via certified mail from the United States Postal Service that my validation letters were received on XX/XX/XXXX and XX/XX/XXXX, however attempts to collect said debt are still being made by LVNV Funding without properly validating debt.
Since LVNV Funding is still reporting this account on my credit profile, LVNV Funding is now in violation of the FDPCA and are subject to fines of {$1000.00}, which I may collect from LVNV Funding by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from LVNV Funding within 10 days. LVNV Funding should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present LVNV Funding with legal inconvenience with the FTC and other state and federal agencies.
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| 09/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This letter is in response to you concerning the collection of the above referenced accounts. I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with myState Attorney General and that the Statute of Limitations for enforcing this type of debt through the courts in Virginia has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired.This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me by mail, phone on any number, regarding this or any other matter. You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws, Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I reserve the right to record all phone calls and violations of the FDCPA can result in you or your company being fined up to {$1000.00} or more.
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| 07/29/2019 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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There is an account that has been reporting as deragotry on ALL of my credit reports, since XXXX. Name of company is CACH LLCz i disputed this with XXXX & XXXX. They will not provide proof and validation of the accused debt. Nor will they remove it.
It is negatively affecting my credit score, and i can not get approved for any sort of loans. Including Secured credit cards that require no credit as you pay collateral.
Specific account info : - CACH LLC # XXXX C/O RESURGENT CAPITAL SERVICESXXXX XXXX XXXX XXXX , SC XXXX ( XXXX ) XXXX Also, over 5 inaccuracies in inquiries repoeted and affexting me negatively that are beyond the statue if limitations of length. Please see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number not available Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : INSURANCE UNDERWRITING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number not available Please advise how CFPB can protect me as a Consumer against these predatory lending efforts to ruin my credit scores and affecting my family from obtaining a mortgage for a house to live in
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| 08/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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i received a {$9000.00} loan from XXXX back in 2015. The payments were set up by direct deposit. In XXXX of 2015, XXXX stopped collecting payments from me and stated that the reason why was because my bank account was closed. Even though i informed them numerous times that my account was not closed, and even paid them using the debit card from the account they stated was closed, the company still refused to reinstate my direct debit, which was a part of my loan agreement. When i could no longer keep up with the payments because i had to keep calling their customer service number every time i needed to make a payment, incurring late fees if i did not make it in time, i refused to keep making the payments until they fixed the issue that was resulting in my not being allowed to keep my loan agreement. Furthermore, the balance on my account was not shrinking, no matter how many payments i made, as the balance stayed at {$10000.00} and they refused to send me a copy of my account ledger. After my refusal, XXXX sent me to their collections company called XXXX XXXX XXXX sent me a notice stating that they would settle for {$5300.00}. I informed XXXX that the {$5300.00} was close to my balance when i stopped paying the account, not the {$10000.00} they were trying to collect. I also asked XXXX for an accurate account ledger, listing all the payments made to this account. To this date, i have yet to receive one. They have placed this account on my credit report as a collections in the amount of {$10000.00} and have never sent me an account history nor a ledger, as i have repeatedly requested.
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| 11/24/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Per my most recent credit reports ( XX/XX/19 ) LVNV is listed as owner of an alleged account from XXXX XXXX XXXX. Per the reports this account was opened/purchased as of XX/XX/19 with an amount of {$650.00}. I have attempted to dispute this account via the credit bureaus, but to no avail. To date, LVNV has not sent any written correspondence identifying themselves as the owners of the alleged account, provided written notification that they are attempting to collect a debt, nor send any correspondence advising that I could dispute the validity of the account ; it simply showed up on my credit report one day.
A third party ( XXXX XXXX ) is now sending me email correspondence on behalf of LVNV stating they are the owner 's of the alleged account. I am unsure how they received my email address, but I have received emails from them on the following days : XX/XX/XXXX, XX/XX/XXXX ( two emails-the second appeared to have been triggered by my clicking dispute ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. These emails appear to be automatic and are coming from a gentleman by the name of " XXXX XXXX. '' I take issue with an email being sent " blindly '' to an email address with my personal information available for ANYONE to see, as well as a link that provides more info about said debit. I have not completed the dispute process through True Accord as I am leery since I have never received notification from LVNV and I do not want to give any of my personal information to any unknown parties ; and True Accord is now offering a settlement on the alleged account.
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| 11/08/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I mailed a dispute letter certified mail to the reporting company XXXX XXXX XXXX ( a part of XXXX XXXX XXXX ) which I have included for all to view. I sent it certified mail by XXXX where I have kept very close records time stamped, as well as date ; etc of exactly what they are suppose to comply with when receiving a dispute letter. I noticed this reporting to all 3 major bureaus when I pulled my credit in XX/XX/XXXX. I allowed the mail to actually get to them, and began counting the 31 calendar days they had to reply back to me from the date they signed for my letter. I also have attached my letter I received from the USPS with who, and the date of who signed on their behalf the day that took place. I also have included the dispute letter I wrote to them, and have also attached where I pulled my credit today XX/XX/2018 from XXXX, XXXX and XXXX to prove their noncompliance, and the violations that are set within laws, and the violations of my rights as a consumer have been totally ignored with no reply, and not placing the dispute comment on any of the reporting agencies proves they have failed to comply with many violations, and just as my letter stated. I would hold them accountable and file complaints to you, the proper attorneys general offices, and the XXXX XXXX XXXX. I demand they remove the listing collections agency XXXX XXXX XXXX collection account from all 3 credit bureaus, and mail me proof that their negligence has been taken care of immediately from reporting any negative information in my name to anyone. Please hold them accountable!!!
XXXX XXXX
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| 01/30/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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there is two accounts listed on my credit report.both are fraudulent. i disputed them from the private entities the reporting bureaus, that work with other private entities to attack credit numbers or scores.now lvnv resurgent is continually adding it to my report evan if the reporting agency has removed them as XXXX has done. who removed these fraudulent actions of said debt.which im sure violates the f.d.c.p.a under a lot of the sections involved with fraud it seems as though this is racketeering from lvnv resurgent.on or about XXXX of 2022 had them removed from my report on XXXX but the other two will not ..thats what tells me that the XXXX reporting agencies work against the citizens and work for the corporate guy..if one company removes them then why the others dont? under u.c.c. law 3-315 if im left no remedy i can file a commercial lien against that company..so im asking that you investigate lvnv resurgent and any affiliate associated with them this is racketeering at its finest .so i keep up with my score notifications and the 2 accounts im speaking of is added back on to my credit... how does that work unless you pay the XXXX agencies to add it again.so how can a citizen ever have truth in any corporate or reporting agency or debt collecting tactics.lvnv resurgent is a shame under the law.so many cases have been filed against there corporation. why hasn't this body of protection stopped them.or the ftc. im frustrated by the lies that they just do anything they want when it comes to a citizen.lvnv resergent want take me to court i havent been to court just threats.
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| 01/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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LVNV Funding LLC, filed a lawsuit against me on XX/XX/XXXX, alleging I owed them a debt from an unpaid a credit card in violation 15USC1692b ( 4 ). Unaware of the extent of my consumer rights, and new to learning consumer law, I submitted my answer and in-turn LVNV filed a motion to surpress my answer with out prejudice on XX/XX/XXXX. I filed an answer in opposition to their motion, ( see attached ) : XXXX. ) I am federally protected consumer under XXXX XXXX XXXX XXXX and they are violating my privacy rights, XXXX. ) They provided no laws stating I a legally required to pay this alleged debt to them, XXXX. ) The LVNV was not present for this consumer credit transaction and can not say I owe this debt pursuant to 15 USC 1692b. It wasn't until XX/XX/XXXX that I received a order for summary judgment dated filed XX/XX/XXXX. Then on XX/XX/XXXX I received the most threatening letter stating, " Failure to comply with this information subpoena may result in my arrest and incarceration violating 15USC1692e ( 4 ) and 15USC1692e ( 7 ), I've received notice dated XX/XX/XXXX of an intent to garnish my wages which is in violation of privacy rights under 15usc6801 as I have not give this third party permission to access my employer records. I have also not contracted with this third party, so they do not have permission to access any of my account information with a creditor. They are in direct violation of 15USC1692c ( b ) Pursuant to 15USC1692g ( c ), the consumers failure to respond is not an admission of guilt. I am in dispute of this debt, and I am refusing to pay this debt to LVNV.
|
| 10/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I received my credit report and i have tried to dispute with an account with LVNV FUNDING. I have noticed there are multiple inaccuracies on this account between XXXX XXXX XXXX.
I have sent a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/XXXX It has been more than 30 days and i have not received a letter back, Heard from LVNV FUNDING LLC Nor received any of the following below from this debt collector : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
I have also asked to Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
I AM DEMANDING THIS ACCOUNT BE REMOVED FROM MY CREDIT ACCOUNT IN THE NEXT 10 DAYS OR I WILL BE SEEKING LEGAL ACTION.
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| 03/23/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Acct no XXXX XX/XX/2020 XXXX {$1800.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this
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| 01/05/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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LVNV LLC Funding ( I don't know what birthday they have on file, just know that it isn't mine because I provided that info when I called to try and resolve it & they said it was not what they had ) This is not my account. My wife and I already have a XXXX XXXX credit card with an exceptional payment history, have been in good standing with them for over 6 years and they have had updated addresses for us for billing purposes throughout our many moves during my current military career.
Because of that, they literally have all proof they may need within their own system. However, the first few times I disputed this, I provided them a copy of my leases to show that I lived in a new residence and had already ended my lease at the billing address they had for this account.
Since then, they have continued to sell off this account to various collectors who have been hounding me ever since. With each one of them, I provide the same information and to smooth things along quickly, I simply asked for them to confirm proof of the debt to prove whomever signed for it, if there was any type of identification or paycheck or ANYTHING ever submitted as proof of identity and of course, no one does. They just push it off to another collection agency. It has affected my credit ever since and this is not fair, nor legal. I've disputed this several times with the same information through all of the main 3 credit reporting bureaus and all they do is respond and change the latest date of the " last missed payment '' to the recent month. Never an actual response or any changes other than that
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| 02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I am Submitting this complaint because illegal practices were preformed and despite numerous attempts this debt has not been verified or validated. Amounts have been changed the account has been removed and re added without any written reasons why or that it was being re added, i have 3 120 day late payments i can see but this is not the original creditor so any extra fees and late payments or not valid as i never made a payment and have been disputing this for years. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00} In XX/XX/XXXX Account Was Removed and Re Added on The Same Day XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX has a 120 Day Late Payment. I Never Made a Payment Arrangement and I Have Never Made any Payments To This Company It is a Highly illegal Practice I asked to both validate and verify amounts owed, the breakdown of why i owe these amounts, proof that i am responsible for this debt, a contract with my signature on it and have yet to get any response or validation or verification but they say account has been verified how was this done also throughout this entire process they close then open the account
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| 03/08/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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i sent a letter to them on XXXX XXXX and hasn't heard from them concerning this inaccurate item XX/XX/2021 LVNV FUNDING LLC c/o RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX XXXX : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$960.00} Dear LVNV FUNDING, LLC : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney.
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| 10/16/2017 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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LVNV FUNDING LLC HAS VIOLATED ALL MY RIGHTS. THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY.
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account.
After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge.
Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some.
Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account
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| 04/09/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Good Evening, I received a letter in the mail this afternoon XX/XX/XXXX which was from my current employer. When I opened the envelope there was a letter that stated my company was served with a court order to withhold a portion of my wages. The request comes from a company named LVNV Funding, LLC- XXXX XXXX XXXX XXXX XXXX
However, I was never served with a subpoena or any legal notice regarding the case against me, nor a debt validation letter stating this is mine. From documents provided through my employer, an attorney was granted a default judgment on XXXX XXXX, XXXX by XXXX XXXX XXXX XXXX. I also noticed that the address they had for me was an old po box , but they had all the resources and information to find me at my current job which isn't public information. Therefore, what's the difference from using those tools to locate me on my job in XXXX, and not using them to locate me in XXXX to give me legal notice?
Also, in XXXX I was recovering from XXXX XXXX which I was diagnosed with in XXXX of XXXX. During those years my finances took a huge hit as well as my health and I supported myself with my XXXX check. ( I will provide my medical records ) I feel I wasn't given fair treatment or an opportunity to speak on my behalf or work on an agreement before it went this far. My rights were taken from me. Now I'm faced with having my wages garnished without being given the right of representation. And, failure to do so has now cost me additional fees ( court fees and attorney fees, etc ) that would not have applied if I was given my legal right to be notified.
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| 02/14/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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1st letter attempt XX/XX/XXXX 2nd letter attempt XX/XX/XXXX 3rd letter attempt XX/XX/XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
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| 08/31/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have filed numerous disputes with all three major credit bureaus -- XXXX, XXXX and XXXX -- regarding the debt LVNV Funding is claiming I owe to their client, XXXX XXXX Bank. This debt does not belong to me, it is not mine and I have no knowledge of the debt that LVNV Funding has placed on my credit files with each of the credit bureaus.
In one instance, LVNV Funding did delete the tradeline from my XXXX credit file ; in another instance, LVNV Funding marked the tradeline as closed on my XXXX credit file but still lists an open and unpaid balance ; finally, LVNV Funding still reports the tradeline as open and in collection status on my XXXX report.
I am also unsure if LVNV Funding is a licensed debt collector in Minnesota, so I am concerned that they are collecting a debt for which they may not be licensed to collect in Minnesota.
LVNV Funding 's debt reporting and debt dispute processes are unfair, deceptive and dishonest. Between the three different reportings LVNV Funding is supplying to the credit bureaus, their inconsistent responses to my dispute that this debt does not belong to me, and the potential that LVNV Funding is not licensed in Minnesota, I am requesting that LVNV Funding delete this debt immediately from all three credit bureaus.
LVNV Funding has damaged my credit and credit scores, along with credit I have been denied, with their unfair, deceptive and dishonest debt collection and debt reporting practices. Based on this, I am demanding that LVNV Funding delete the account from all three of my credit files to which they are reporting.
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| 11/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved.
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA.
RESURGENT/LVNV FUNDING is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.
This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).
THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.
This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.
I have a right to this information, as its directly associated with the reporting activities.
This is also a NOTICE exercising my rights to prevent the processing of my personal data by RESURGENT/LVNV FUNDING.
Please be advised that providing a memorandum or other statement from your agency, stating that RESURGENT/LVNV FUNDING the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report.
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
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| 06/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The information below is from my credit report that this company just put on my report last month. I have spoke to two different representatives letting them know I am a victim of Identity theft and never had an account with them LVNV FUNDING LLC or XXXX XXXX who they said they bought the debt from.
I was never contacted by this company before they put this account on my credit report and I was told by the senior representative on XX/XX/XXXX that they don't have time to call every person to validate the debt before having it put on a persons credit report when they purchase the debt. She stated this debt was from sometime in XXXX.
I gave them another 24 hours to have this removed from my credit report. As this is a result of identity theft and they were informed of this several times.
Also I did not sign any type of agreements with this company or any that they claim to have purchased the debt from.
My rights as a consumer have been violated because I was not given the opportunity to dispute this debt before they put this on my credit report.
This is the 3rd time I have spoken to someone from this company as of today XX/XX/XXXX.
Account Details Bureau Name LVNV FUNDING LLC Original Lender 10 XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$360.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info C/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX-XXXX Remarks
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| 06/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I owed a debt to XXXX XXXX XXXX. That debt was sold to LVNV Funding LLC who assigned to XXXX XXXX XXXX who sent me a letter offering a settlement amount if I paid in one lump sum. I paid them {$180.00} on XX/XX/XXXX. Almost a month later I noticed the debt was not removed from my credit report. I called XXXX XXXX on XX/XX/XXXX who said it takes time which is totally not true as I have made settlement payments in the past and the account was immediately removed from my credit report. So they told me to call LVNV which I did. When I finally got someone on the line she said that I had issued a no contact via phone or mail and was informed that I would have to lift that. I already know that was fishing. Since the account was paid there was no need to lift the no contact. They wanted me to do that so they could keep harassing me. Since they took my payment and didn't close my account they can now close my account or refund me the {$180.00} otherwise I will dispute the charge with my bank and the charge reversed. Their choice. My bank don't take too kindly to people trying to rip me off. I have already gotten payments reversed with this bank that I was told couldn't be reversed. This company played with the wrong one as I have been trained as a XXXX so I know exactly what they are and aren't allowed to do. It doesn't take time to close an account, It only takes time because they falsely represented that they were authorized to accept settlement payment. That is against the law. They will either close the account or refund my money. I ain't playing games with them.
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| 10/16/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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LVNV FUNDING LLC HAS VIOLATED ALL MY RIGHTS. THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY.
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my XXXX and XXXX instructions. This is not my debt or it is a fraudulent account and it is not my account.
After verifiable delivery of my XXXX and XXXX XXXX XXXX by Silence letter XXXX via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense when I bring your company in front of a judge.
Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all XXXX request not some.
Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account
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| 08/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I've recently noticed a derogatory line for a collections on my credit report from LVNV Funding, LLC. I have never received any form of Initial communication or dunning letter stating anything about a debt. This just showed up on my credit report without knowledge of what this is or any validity to it. If there was a form of communication or notice received in I would have been able to dispute or validate this alleged debt. However, this was input on my report in the middle of me closing on a home which has caused major issues when this simply hit my credit report out of nowhere. I am disputing the validity of this debt. I am requesting validation of this account per the Fair Debt Collection Practices Act Sec. 809. I would like to acquire the following information for the purpose of validation : Documentation from the original creditor of the following ; Original date of default or non-payment of the debt The last valid payment toward the above creditor Name and address The original balance The date of transfer from the original creditor to the debt collector. The date ; in which LVNV Funding, LLC sent me notification of this debt or any attempts at all to collect. The billing statements of this debt to prove the amount of debt alleged to me per FDCPA Sec. 809. ( a ) Notice of debt ; contents This is not an acceptance nor acknowledgment of this debt. If LVNV Funding LLC can not provide the following evidence within 30 days of receipt, all consumer reporting agencies must be notified to delete this trade line and cease collections of this debt Sec. 809. ( b )
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| 07/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Resurgent Capitol Services L.P. is attempting to collect on an alleged debt on behalf of LVNV Funding LLC. LVNV Funding is reporting a charge off on my consumer report for the amount of {$630.00}.
As defined by the IRS, Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income AND File Form 1099-C, Cancellation of Debt, for each debtor for whom you canceled a debt owed to you of {$600.00} or more.
They are also supposed to provide me with a copy of the 1099c form showing that the debt was charged off so I would be able to report the income on my taxes but I never received a 1099c from the alleged Original Creditor XXXX XXXX XXXX, Resurgent Capitol Services L.P or LVNV Funding ....
The IRS also clearly states that a canceled debt or charge off is income, which is considered " ordinary income '' but is being reported as debt on my consumer report which is inaccurate and illegal. Pursuant to 15 USC 1681 s-2 states that Resurgent Capitol Services L.P. is a furnisher of information to a consumer reporting agency. and is prohibited by law to furnish inaccurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
I demanded this information to be deleted from my consumer report but they are still reporting this without proof of my 1099c form.. From my understanding LVNV Funding LLC , Resurgent Capitol Services and XXXX XXXX XXXX are all under violation of the FDCPA and IRS.
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| 10/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. XXXX XXXX and XXXX have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by LVNV FUNDING, INC. One is for {$390.00} with original creditor listed as XXXX XXXX The other one reported by LVNV FUNDING, INC. is for {$4300.00} with original creditor listed as XXXX XXXX. I never received any form of documentation from the original creditor or LVNV FUNDING, INC. to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XXXX XXXX to XXXX XXXX, in my maiden name of XXXX XXXX, which I have not gone by in almost XXXX years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with LVNV FUNDING, INC. I have never done business with LVNV FUNDING, INC.
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| 06/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report XXXX dont recall having this account. I then sent LVNV FUNDING LLC a debt validation letters via certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for I only a received an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me is a billing statement they brought from the original creditor and they dont have anything with proof with my signature on it. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
|
| 01/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I recently tried to purchase a vehicle and noticed I had several credit cards with outstanding balances. I have never taken out a credit card. I am currently a victim of identity theft. I have called several of the banks with outstanding balances and have closed some. ( so they say ) Accounts range from XX/XX/XXXX to XX/XX/XXXX. that would mean someone has been using my social since I was the age of XXXX.
Originally XXXX XXXX then sent to resurgent ( 3rd party debt collector ) amount due : {$2000.00} date opened : XX/XX/XXXX I was XXXX in this year I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX.
XXXX amount due : {$2400.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX.
XXXX ( 2 accts ) amount due : {$0.00} date opened : XX/XX/XXXX ( XXXX yrs old ) amount due : {$530.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX.
XXXX XXXX XXXX amount due : {$1400.00} date opened : XX/XX/XXXX have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX.
I have called the 800 # s of these banks none of them had my actual personal information and I was told that there is an authorized user on them.
address discrepancies contact info discrepancies age discrepancies
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| 06/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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LVNV is a collection agency who is listed on my credit report. it claims to be a factoring company, however is also listed as a collection agency. The balance keeps changing. even though LVNV has been on my credit report since 2012 when it purchased the XXXX 's alleged debt, they are reporting as a 30 day late on my most recent credit report.
The below is from a previous suit against LVNV. They are doing this same exact thing to me.
#. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as a " factoring company '' account.
#. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as not in default.
#. Defendant violated 15 USC 1692e ( by communicating credit information which is known or which should be known to be false, by reporting the account as a " factoring company '' account.
#. Defendant violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account.
#. Defendant violated 15 USC 1692e ( 12 ) by alleging that the account was a " factoring company '' account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value.
#. Defendant violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account to deceive current and potential creditors and to negatively impact Plaintiff 's credit scores
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| 04/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was overseas for a good number of years in the republic of XXXX XXXX for work.
During that time someone used my social security number to open multiple trade and credit accounts in my name, including XXXX XXXX XXXX/LVNC Funding LLC/Resurgent Capital Services .
The last time I was out of the country for 3 years and 8 months. During that time the aforementioned company executed a summary judgement against me in XXXX XXXX XXXX XXXX and were illegally granted the sum of {$900.00} plus dollars.
The company was informed that this debt is not mine, the lawyers that represented this company will not return phone calls, they have a judgement entry in XXXX XXXX and used a spreadsheet with hundreds of other individuals name on it to state it was my debt.
When I contact XXXX XXXXXXXX XXXX they said they would research it and get back to me, this did not happen after 120 days.
I tried to contact the debt collection company- they are acting in bad faith and none of them have said how they intend on reversing the illegal judgement that they were granted by the court.
I am attaching proof of my identity theft including from identity theft.gov, the XXXX Ohio police department and whatever other proof I can deliver.
This company has knowingly acted with ill regard for the law and has harmed me. They are in violation of the laws in the state of Ohio.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX it is egregious that a company would be allowed to continue in operation and should be fined by the United States of America and the states respectively that they operate in.
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| 10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
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XXXX notified me regarding LVNV FUNDING, CARE OF XXXX XXXX XXXX XXXX that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was never my original creditor. XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX. XXXX failed to produce any documented evidence of how LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX. LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P is listed on my credit report for a Collection balance owed for a debt to XXXX XXXX XXXX XXXX as the original creditor that is an error. XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P remains in direct violation of The Fair Debt Collection Practices Act.
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| 09/02/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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around XX/XX/XXXX I Filed a complaint because it appears that two separate collection agencies where attempting to collect the same. as part of the complaint CFPB forwarded the complaint to XXXX XXXX as well. Today I received written conformation from XXXX XXXX on the Complaint initiated against ( LVNV Funding LLC ) who responded to they were the owner of the Debt ( case number ; ( XXXX. However XXXX XXXX 's response stated the account was sold to ( XXXX XXXX XXXX ) ( see attached response from XXXX XXXX ). They were only able to Confirm the account that they sold to XXXX XXXX XXXX ).
Resurgent who is affiliated with both XXXXXXXX XXXX and LVNV Funding LLC responded to the complaint against LVNV, their Response which I have also attached was unsupported by XXXX XXXX XXXX some of us are aware these companies are affiliated and have been sued for Debt Flipping. Based On XXXX XXXX response. I now believe this was an attempt By both affiliates to Deceive and pressure me into paying a debt that is Time Bard in my State and to keep the negative credit reporting past the 7 year look back period imposed by State. If I remember correctly, I believe that as part of settlement these affiliates agreed to stop that practice.
I also believe, that due to XXXX XXXX 's apparent policy of not reporting the bad debt themselves, which makes it very difficult to match collections with the original creditor, they have seized that opportunity to take deceitful and harmful collection practices to the extreme which I am now confident has also been done to others as well.
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| 12/03/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A few months ago I realized upon applying for a home loan that my credit had dropped severely to where I was declined. I then pulled my credit reports to find a couple derogatory accounts on my file that were not mine, both from XXXX XXXX, XXXX. I have never heard of or done any business with this company ever. The main account that they allege that I owe them is acct # XXXX in which the amount is {$620.00}. I have been in correspondence with them explaining that I dispute this debt because it is not mine & then I demanded a few times in a few different certified letters that they need to delete these wrongful accounts from my credit file. ( see attached copies ). A company named Resurgent Capital services responded after my first certified letter ( delivered by the XXXX on XX/XX/2018 ) stating that they manage accounts for XXXX XXXX. All of my communications have been with Resurgent Capital Services since then. They are debt buyers and allege I owe this debt to them. ( See attached copies ). All allegations from this company are false and I will be filing a lawsuit in small claims court if they dont Cease & Desist all collections efforts and then send me a Cease and Desist letter stating such. Furthermore, I would like them to remove all derogatory claims/files against me on my credit reports ( this especially includes XXXX XXXX, XXXX & XXXX ).
Please see all attachments.
The small account that this same company alleges that I owe is acct # XXXX ....
Thank you for your time in this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX
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| 08/04/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was reviewing my credit report and noticed two collection accounts from LVNV Funding LLC for the amounts of {$1200.00} and {$540.00}, so I sent the company two debt validation letters concerning the accounts that aligned the FDCPA. I requested the following information : 1. Agreement with your client that grants you the authority to collect on this alleged debt.
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
3. Any insurance claims been made by any creditor regarding this account.
4. Any Judgments obtained by any creditor regarding this account.
5. Name and address of alleged creditor.
6. Name on file of alleged debtor. 7. Alleged account number.
8. Address on file for alleged debtor.
9. Amount of alleged debt.
10. Date this alleged debt became payable.
11. Date of original charge off or delinquency.
12. Verification that this debt was assigned or sold to collector.
13. Complete accounting of alleged debt.
14. Commission for debt collector if collection efforts are successful.
I mailed the letters on XX/XX/2023 and saw that they were delivered on XX/XX/2023 via the tracking information. On XX/XX/2023, I received a " debt verification '' letter from Resurgent Capital Services for the account amounting {$540.00}. That letter didn't contain all the requested information proving I was the account owner and they were legally allowed to collect on it. I didn't receive adequate information for items 1-4, 7, and 12-14. I've included copies of both letters I sent and what I received so far.
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| 12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have disputed with XXXX XXXX on 3 separate occasions within the last 90 days an incorrectly reported account with XXXX XXXX LVNV FUNDING Resurgent. This account was included in XXXX XXXX Bankruptcy discharged on XX/XX/21. On XXXX I called Resurgent at XXXX XXXX 2 times between XXXX and XXXX XXXX pst and requested that they report this account as closed and included in a XXXX XXXX BK discharge. I was told it was not in the bankruptcy and I was told I had called them in XXXX and asked for a hardship deferral ( I did not, I had my Bankruptcy hearing in XXXX ) and that I could resume payments when my financial situation changed and I explained that I would not be making any additional payments as this debt was discharged in a XXXX XXXX Bankruptcy. She continued to insist this was not in the bankruptcy. I called back later in the afternoon after gathering all the paperwork to show this was included in the BK and this time they refused to provide any information at all as they said the account was flagged with a cease and desist despite the fact that 3 hours earlier the rep was able to discuss the account with me. They told me I had to remove the cease and desist for them to discuss the account with me and I was not comfortable doing so as whatever they were doing seemed suspect. I just want this information reported correctly. All of the other accounts included are reported as closed included in bankruptcy. This account reports as an open collection account in my XXXX XXXX report only and this score is almost XXXX points lower than XXXX and XXXX.
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| 02/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have requested validation of the debt LVNV is attempting to collect, on numerous occasions but the company has failed to comply with my requests. Despite failing to comply with the validation clause of the FDCPA, LVNV is continuously reporting the unverified information to the credit bureaus.
In my most recent attempt to acquire debt validation through the Consumer Financial Protection Bureau, LVNV submitted a " response '' however, the attachment was blank. I did inform the company their response was blank through the CFPB platform, however ; since there was no enforcement they did not resubmit the information. This is my second attempt through the Consumer Financial Protection Bureau and my fourth overall attempt to acquire validation of the debt.
At this stage failure to provide validation of the debt or to stop attempting to collect on this debt will result in legal action. I am the XXXX and the invalid information you are willfully reporting is hindering my ability to acquire the financing necessary for me to earn a living. The current deal that your invalid information is interfering with will net me {$2100.00} per week. If this information is not validated and you continue to report it to any of the credit bureaus I will seek actual damages of lost earnings, statutory damages for your violations of the FDCPA, and recoupment of any and all legal fees acquired to enforce the law.
While I am currently not receiving the assistance of an attorney, I assure you I do have the time, the economic means, and the grounds to pursue this legally.
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| 01/31/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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This company summoned me to court in XX/XX/2017 for this same creditor with the same fake claim. I immediately requested validation/assignment contract from them. Not only did they send me the same robo letter, they illegally tacked on extra charges on their initial claim. Even though I was not satisfied with the proof they provided in the form of robo letters, I agreed to settle the issue with them to avoid having to take time off work to go to court. I agreed to pay {$700.00} to them which was paid in XX/XX/2017.
Now here we are again with the same issue. I'm being summoned to court once again for the same debt/same creditor, same robo letters stating that I'm being sued for breach of contract. WHERE IS THE CONTRACT that was supposedly breached? This greedy company should not be allowed to continue to harass people about old claims with no proof, only sending fake robo letters. I never signed a contract with them, nor do I owe them any money. I never owed them money in XX/XX/2017, but agreed to settle the account in XX/XX/2017 to make it go away, even though I believed that their first claim was fake. If they have a legitimate claim and are allowed to take people to court, they need to make sure that they have the proper paper work to back up their claims. They don't and they should not be allowed to waste people 's time. I am a hardworking citizen and do not appreciate being harassed by false claims.
I am not planning to pay this greedy company anything else and I'm asking that you please look into their greedy business practices.
Thank you.
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| 10/22/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have recently been dealing with a company that collects for LVNV. This process has gone on for months. I have sent letters and letters for validation. After meeting with the plaintiffs attorney we set a court appearance For the trial The trial was set for XX/XX/2023 at XXXX XXXX. The plaintiffs attorney said they had mailed out for a change in the date I never received in mail the notice of change of date. The new date was set for the XXXX of XX/XX/2023. On that date the clerk of the court called and said we missed the date. At that point we told her we were ready for the XXXX of XXXX. I immediately sent a letter to the judge with no response. The amount due on the claim was {$1400.00}. While this claim was being validated they continued to try and collect. The next time they send a notice to pay the amount went up to {$150000.00}. I could not get an answer to why.
Since we did not show on the new date a judgement was ordered. I firmly believe this action violated my 14th amendment for due cause. I should have been given the right to defend myself. I recently wrote to the judge referring my 14th amendment rights were violated. I have requested that the judgement be reversed. So now I am sending an affidavit to the court and a letter explaining the circumstance. While this is going on I receive a letter from Resurgent that they can't validate my claim. So now I have a judgement for something I don't owe.
Resurgent, LVNV and the plaintiffs attorney are discussing and probably knew that all along. They most likely did not present it to the judge
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| 07/26/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear LVNV Funding, Re : Reference # XXXX ( LVNV FundingXXXX XXXX XXXX XXXX XXXX I have sent you several written requests to validate ( not verify ) the total amount of debt on my consumer report.
According to the Fair Debt Collection Practices Act ( FDCPA ), [ 15 USC 1692g Sec. 809 ( b ) ] I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, when I requested validation of the debt, I only received billing statements for 24 months which does not add up to the amount of {$11000.00}.
This is a clear violation of section 15 U.S. Code 1692j of the FDCPA falsely representing the amount or character of the debt, including any interest, fees or charges.
Please provide me with a complete payment history, the requirement established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. XXXX XXXXXXXX This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character. Per 12cfr part 1006- false or misleading representation : debt collector is prohibited from making false or misleading representation the amount or status of the debt.
Please be advised this is my FINAL REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.
Thank you for your time, XXXX XXXX
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| 02/17/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have noticed this company lvnv funding LLC on my credit report. I have attempted to dispute this with XXXX several times. I have seen conflicting addresses to disputers with LVNV funding so I have called. I was told to send it to a XXXX XXXX XXXX. Lvnv funding is reporting two accounts on my XXXX and XXXX credit reports under the name XXXX XXXX one in the amount of {$1600.00} the other in the amount of {$1200.00}. I have asked for validation of the debt. I have received nothing. I have received two different statements from LVNV funding threatening to take me to court and sue me for the amounts listed.
I LVNV funding to provide me with the proof of the money that they say I owe what it is for. Explain to me and show me how you calculated what I owe. Provide me copies of any papers that I showed I agreed to pay you what you say I owe. Provide a verification or copy of any judgment if applicable. Identify the original creditor. Provide the statue of limitations has not expired on this account. Provide proof that you are licensed to collect in the state of texas. Provide proof of your license numbers and registration agent.
I have received no information from this company. I have no signed contract or dealings with this company. From my understanding it is a violation of the Fair credit reporting act and violation of fair debt collection practices for this company to falsely report that I owe them any money. I have contacted XXXX several times to explain I have no dealings with this company and XXXX refuses to remove this from my credit report.
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| 04/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the Petitioner that states LVNV Funding had purchased my debt from XXXX XXXX XXXX XXXX XXXX for the credit account # XXXX and assumed all of its liabilities while it had an open dispute and LVNV funding has failed to address the missing payment I made on the account on XX/XX/2017 for the amount of $ XXXXand explain how it posted to the account. Refer to XXXX bank statement, the XXXX XXXX invoice with the payment due date of XX/XX/2017, and the payment confirmation screenshot.
I first discovered the missing payment in the payment history on my XXXX credit report. At that time the account was owned by the original creditor, XXXX XXXX XXXX XXXX. The payment I made on XX/XX/2017 in the amount of {$200.00} was missing. Refer to XXXX report # XXXX.
This complaint is intended to address the problem and verify the accounting of the {$200.00} payment I made on XX/XX/2017 and inform me of how it was applied to this account.
I am requesting that CFPB order LVNV FUNDING LLC. to verify that on XX/XX/2017, a payment in the amount of {$200.00} was posted to this account and show how it was applied to this debt with the following : 1. a summary of my payment history on the debt including the {$200.00} payment on XX/XX/2017.
2. the date on which the payment was applied and credited the account ; 3. an itemization of how the payment was applied to the account ( i.e., what portion of the payment amount went to the principal, interest, fees, other charges ) ; 4. a copy of the underlying account statement showing the last payment made to the account
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| 11/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved.
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA.
LVNV FUNDING LLC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.
This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).
THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.
This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.
I have a right to this information, as its directly associated with the reporting activities.
This is also a NOTICE exercising my rights to prevent the processing of my personal data by LVNV FUNDING LLC.
Please be advised that providing a memorandum or other statement from your agency, stating that LVNV FUNDING LLC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report.
PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
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| 10/22/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have recently been dealing with a company that collects for LVNV. This process has gone on for months. I have sent letters and letters for validation. After meeting with the plaintiffs attorney we set a court appearance For the trial The trial was set for XX/XX/XXXXat XX/XX/XXXX. The plaintiffs attorney said they had mailed out for a change in the date I never received in mail the notice of change of date. The new date was set for the XXXX of XX/XX/. On that date the clerk of the court called and said we missed the date. At that point we told her we were ready for the XXXX of XXXX. I immediately sent a letter to the judge with no response. The amount due on the claim was {$1400.00}. While this claim was being validated they continued to try and collect. The next time they send a notice to pay the amount went up to {$150000.00}. I could not get an answer to why.
Since we did not show on the new date a judgement was ordered. I firmly believe this action violated my XXXX amendment for due cause. I should have been given the right to defend myself. I recently wrote to the judge referring my XXXX amendment rights were violated. I have requested that the judgement be reversed. So now I am sending an affidavit to the court and a letter explaining the circumstance. While this is going on I receive a letter from Resurgent that they can't validate my claim. So now I have a judgement for something I don't owe.
Resurgent, LVNV and the plaintiffs attorney are discussing and probably knew that all along. They most likely did not present it to the judge
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| 08/07/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.
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| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
Servicemember |
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Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information.
LVNV FUNDING LLC # XXXX is reporting inaccurate information to my XXXX credit report. I have contacted both to launch an investigation on numerous occasions, most recently on XX/XX/2023, but I have not received any information on the investigation. This is a violation according to the law listed above.
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| 12/03/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
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This is regarding collection from XXXX thru Resurgent Capital Services.
My first response to correspondence was in XX/XX/XXXX. I have communicated with many different servicing agents regarding these accounts since.
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All of these companies state that XXXX owns these alleged 4 debts and I have asked for verification from all of them, again dating back to as early XX/XX/XXXX.
These debts are listed as follows.
XXXX XXXX {$3000.00} XXXX XXXX {$2700.00} XXXX XXXX {$590.00} XXXX XXXX {$1600.00} ( no response from Resurgent yet for XX/XX/XXXX inquiry so far ).
I have asked for proof of the debt and original documentation with every request. I explained to them that they must have been " sold '' this debt and not have the paperwork due to the fact that I sent fraud claims to both XXXX XXXX and XXXX XXXX on both accounts. Instead of helping me with the issue, XXXX XXXX and XXXX XXXX removed the entire accounts from my credit report AFTER the sent these debts to XXXX. XXXX can see my credit report and validate this.
Now I have asked, written letters and repeatedly asked for validation with XXXX. The letter I attached to them dated XX/XX/2018, I told them that these 4 account were fraud and they ignored my requested and mailed back a " internal prepared '' statement by the servicer ( Resurgent Capital ). I have more documents than you care to read but have attached all supporting documents- except on the XXXX XXXX {$1600.00}, they have not responded to my XX/XX/XXXX inquiry for that debt.
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| 11/08/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is the second time I notice this fraudulent account coming from LVNV, after looking into the alleged best in all three credit reporting agencies XXXX, XXXX, and XXXX I then forward to dispute this alleged debt with LVNV. I sent LVNV a letter of dispute on XX/XX/2023 and did not get any response. So I sent a second letter on XX/XX/2023 and I did not get a response either. Furthermore there are XXXX other collection agencies collection on the some alleged debt. The companies attempting to collect on a debt that I do not owe are XXXX XXXX XXXX and XXXX XXXX XXXX. LVNV did NOT send me lawful validation of this alleged debt pursuant to 12 CFR 1006.34 - Notice for validation of debts, or 15 U.S. Code 1692g - Validation of debts.
This is the second time I dealt with LVNV and never responded to my dispute letters of Validation of debt.
XXXX XXXX found LVNV in violation of Identity theft for obtaining my information under false pretense and furnishing without having permissible purpose of the consumer. I will provide documents that support my claim.
Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about, which XXXX XXXX XXXX continues to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.
15 U.S. Code 1681 q - Obtaining information under false pretenses.
18 U.S. Code 1028A - Aggravated identity theft.
These are the violations of Consumer LAWS
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| 05/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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I received communication from Resurgent Capital Management in regards to an alleged debt from original creditor, XXXX XXXX XXXX in the amount of {$650.00}. Upon receiving the letter, I called Resurgent Customer Service and spoke with XXXX on XXXX at XXXX XXXX XXXX. I advised XXXX that I was formally initiating a debt validation request. XXXX advised me that she could start the process but I advised her that I wanted to do so via mail or email for tracking purposes. Reluctantly, XXXX provided an email address for the debt validation request. Per her instructions, I emailed XXXX on XXXX requesting debt validation. After a little over a week, I received a letter dated XXXX from Resurgent with an attachment entitled " Account Summary Report ''. This summary is attached and is a simple Word document. After reviewing the document and realizing it didn't meet the requirements of proper debt validation, I sent Resurgent a 2nd email on XXXX, attached, requesting debt validation again with details of what a proper debt validation is under the law. On XXXX, I received an email from Resurgent, attached, stating that due to the nature of my inquiry, my letter was forwarded to the appropriate department for processing and future communications regarding the inquiry will be sent via US mail to the address they have on file. This email came from XXXX XXXX. Since XXXX, I have not heard from Resurgent as promised. Three days later on XXXX, I received an alert from from XXXX, attached, that Resurgent added the alleged debt as a collection on my credit report.
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| 06/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am responding to the attached responses from your company dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Originally you were attempting to over collect amount for me until I informed you and provided a copy of settlement letter from your Attorney XXXX XXXX. Upon providing that information you now state that you are willing to accept the settlement offer XX/XX/XXXX from your Attorney. In order for me to continue paying you which ( you have not provided proof as a judgment is not proof that you own the debt ) you must provide the following : Printout of all payments received from you since XX/XX/XXXX with running balance due as your previous letters indicated that I owed over {$40000.00} I have and will notify the Attorney General regarding your false acquisations.
Upon receipt of letter acknowledging that your agree to the attach settlement along with a printout of all funds received I will review further. If you are not able to provide proof that you have received payments from XX/XX/XXXX - XX/XX/XXXX I can not continue as I do not believe you actually own this debt. Your letter must also contain language that you will be removing abstract judgment as Texas Law does not prohibit Abstract Judgment on Homestead Properties.
Please refer to settlement and provide requested information.
a. letter stating you will continue to honor original agreement b. copy of history of payments received with running balance due since XX/XX/XXXX - XX/XX/XXXX ( you have not cashed my payments since XXXX what happen to these payments that was sent to XXXX XXXX
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| 03/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter.
It is XXXX XXXX that owns XXXX companies. They intentionally go after low income people and then harass them. I did n't even give them my new address.
They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder for me to serve them.
I have given them until XX/XX/XXXX to respond or I am filing in the state of New Hampshire in small claims and I WILL cost them more than the debt is worth.
***Additional note to add. I forgot to include this I believe with my previous complaint against LVNV Funding/Resurgent Capital Services. It is my belief that the Sherman Financial group LLC owns all XXXX of these companies and operates them as shell companies.
I wish I had known back in 2008 when I let these companies hook me into taking their cards out that they would NEVER let me escape them. That they would just wait until the seven years expired then just pile it back on using one of their shell companies. If you do n't believe me just google the company names and see how many lives they have ruined.
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| 07/23/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX - call and spoke to an agent about this credit and collections letter. The agent reiterated what was in the letter ( attempt to collect a debt ). Allegedly an account from XXXX. I did dispute to try and get more information. The collection agency just resent the original letter, with the amount due, and a date. No other details. The agent said this is considered proof of debt and this had been reported to the major credit bureaus.
In order to get this off my credit, I inquired what a settlement would look like. Initial agent said their system generates a settlement offer, and my offer was 80 % of the debt claimed ( total debt allegedly is {$1900.00} ). I asked if a supervisor or a company leader would be able to negotiate this down. Even though I am not confirming the debt validity, I need this off my credit. It was a this time, the agent then told me the account was not reported to the credit bureaus despite moments before telling me it was. I asked for a supervisor.
XXXX took my call and regurgitated her agent 's talking points. I asked for the offer letter in writing ; she said she could not do that. I asked if I agreed to their payment plan could I get that in writing, she said no. I then asked, if I make payments, will that ensure no credit reporting ( once we make an agreement ) ; the answer again is no.
To conclude- they won't provide debt validation ( other than just resending the original letter ). My good faith attempts to resolve this end up in a dead end.
I am reporting this behavior and request intervention.
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| 07/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Here is a sample scenario that we see replicated quite a few times In XXXX, XXXX borrowers take out a loan with XXXX In XXXX of XXXX XXXX XXXX XXXX ( who was not the beneficiary ) appointed XXXX XXXX as trustee, and XXXX XXXX reconveyed the deed of trust. Since XXXX was not the beneficiary, the reconveyance can not be considered good.
In XXXX XXXX XXXX as attorney in fact for XXXX assigned the XXXX XXXX Deed of Trust to XXXX In XXXX XXXX XXXX assigned the XXXX Deed of Trust to Resurgent Capital Services In XXXX XXXX XXXX d/b/a XXXX as attorney in fact ( without disclosing who they are attorney in fact for ) assigned the deed of trust to XXXX XXXX XXXX. XXXX XXXX XXXX had no interest in the deed of trust so this assignment can not be considered good.
XXXX XXXX XXXX then appointed XXXX XXXX as successor trustee and XXXX XXXX then reconveyed the deed of trust. Again, XXXX XXXX XXXX lacked the record authority to do this, so the reconveyance can not be considered good.
Phone calls to Resurgent Capital Services end up going nowhere ; the customer service people answering the phone do n't know anything, and they are not allowed to put a caller into contact with any technical people who could help.
We have come across several of these situations where a homeowner has paid off a loan on their home and, because of poor documentation by these major players, the homeowners ' home is not cleared of the lien of the mortgage.
I can provide copies of documents on specific files and would appreciate any help in getting these matters resolved.
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| 01/08/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX : I discovered a collection account on my credit report listed as XXXX XXXX. I have two current and open accounts with XXXX and that is all. I did not recognize this account so I filed a dispute with XXXX and XXXX. B XX/XX/XXXX Both disputes were completed as " verified/accurate ''.
I have never received any written notification nor any voicemails from the collection company Lvnv Funding LLC. I attempted to contact this company twice. The first time I called I waited on hold to get through to someone for 17 minutes. Once someone got on the line, I was placed on hold and disconnected. I attempted to call again the following day and spoke to an extremely rude woman who did not let me finish speaking. She advised she was unable to help me because I did not have an account number. I only had a partial account number that I found on my credit report. I tried to explain to her that had I received proof of debt in writing, I would be able to provide the account number. I requested a supervisor. Placed on a long hold again only to be disconnected for the 2nd day in a row. After wasted time and effort, I decided to file this complaint. I do not recognize this debt and am prepared to seek legal assistance to get this removed from my credit report. The way this company operates is setting off many red flags to me. Had they complied provided me with assistance and mailed me proof of debt in writing, I wouldn't file this complaint. The sheer fact they treat people like criminals regardless if the debt is valid or not is not acceptable.
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| 11/09/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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HI & HOW ARE YOU DOING? I'm perplexed about the way this collection account is reporting with multiple variations among all the 3 credit bureaus. Several Errors and violations the way it's reporting, such as the date of last activity, date opened, balance, etc. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 09/05/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This company has a very large name 's list for collection purposes, such as Resurgent, XXXX XXXX XXXX or XXXX XXXX XXXX to attack the U.S. population. They buy debts not able to be sold by Original alleged creditor and then start the attacking tactics avoiding all kind of validation of said debt. Then they report to the credit bureaus HOPING this will make the U.S. Population to pay a debt that is illegal to collect to begin with. They also hope for the derogatory mark to stick, but it won't. I'm not the one to play with.
XXXX try to collect these alleged debt by sending emails ( XXXX to be exact ) is the name that comes up on the emails. Then they act like they are the legitimate creditor just because they paid pennies over dollars from the alleged original creditor. Such of pile.
This account was open as result of identity theft and they need to STOP trying to collect on it because I WILL NEVER pay them. They can take screenshot, record, do whatever the XXXX they want and then sue me to try to make me pay. XXXX, You will never collect a dime and this is a promise I will keep.
You can't come at me and try to make me pay a debt you bought yesterday. You need more than that. Maybe the XXXX, or XXXX behind their keyboard will get mad enough and retaliate, XXXX. I'm counting on a reaction. I will contact every single federal and state agency and dispute this alleged debt, if this debt stays on my credit file you will have a dispute every other day on your desk from every single agency until you drop it or finally get sued by me.
|
| 09/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This company has a very large name 's list for collection purposes, such as Resurgent, LVNV Funding LLC or XXXX XXXX XXXX to attack the U.S. population. They buy debts not able to be sold by Original alleged creditor and then start the attacking tactics avoiding all kind of validation of said debt. Then they report to the credit bureaus HOPING this will make the U.S. Population to pay a debt that is illegal to collect to begin with. They also hope for the derogatory mark to stick, but it won't. I'm not the one to play with.
XXXX try to collect these alleged debt by sending emails ( XXXX to be exact ) is the name that comes up on the emails. Then they act like they are the legitimate creditor just because they paid XXXX over XXXX from the alleged original creditor. Such of pile.
This account was open as result of identity theft and they need to STOP trying to collect on it because I WILL NEVER pay them. They can take screenshot, record, do whatever the XXXX they want and then sue me to try to make me pay. Baby, You will never collect a XXXX and this is a promise I will keep.
You can't come at me and try to make me pay a debt you bought yesterday. You need more than that. Maybe the XXXX, or XXXX behind their keyboard will get mad enough and retaliate, XXXX. I'm counting on a reaction. I will contact every single federal and state agency and dispute this alleged debt, if this debt stays on my credit file you will have a dispute every other day on your desk from every single agency until you drop it or finally get sued by me.
|
| 04/01/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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LVNV KEEPS ATTEMPTING TO COLLECT A DEBT NOT OWED THIS DEBT BEGIN ALL THE WAY BACK IN XXXX AND LVNV IS STILL ATTEMPTING TO COLLECT THE DEBT BY WRITING ME AND PLACING THE DEBT ON MY CREDIT REPORT THAT STATUE OF LIMITATIONS IN MY STATE IS 3 YEARS, THIS DEBT COLLECTOR ALSO CLAIMS THAT MY DATE OF LAST ACTIVITY WAS XXXX XXXX DOLA IS BASED OFF WHEN THE ACCOUNT IS SOMEHOW CHANGED OR MOVED OR SOME ACTIVITY HAS TAKEN PLACE- BUT MOVEMENT HASN'T HAPPENED ON THIS ACCOUNT SINCE XXXX - FURTHERMORE WHY IS THE DATE OF LAST ACTIVITY ( DOLA ) DATED XXXX XXXX?? - DID LVNV PURCHASE THE ACCOUNT ON THIS DATE?
-AND IF SO DID IT KNOW IT WAS PURCHASING A DEBT PAST STATUE OF LIMITATIONS?
- WAS THE DEBT COLLECTOR NOT NOTIFIED BY THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) THAT THE DEBT WAS PAST STATUE OF LIMITATIONS???
- IF NOT DID THAT MEAN THE ORIGINAL CREDITOR SOLD THE DEBT COLLECTOR THIS INVALID DEBT ON PURPOSE???
-THIS ACCOUNT DOES NOT HAVE THE SAME DATE OF LAST ACTIVITY ACROSS ALL 3 BUREAUS THE DATES AREN'T EVEN IN THE SAME YEAR ***DATE OF LAST ACTIVITY ON XXXX IS NOT ACCURATE HOW CAN THE DATE OF LAST ACTIVITY BE XX/XX/XXXX WHEN THE COLLECTION ACCOUNT WAS OPENED ON XX/XX/XXXX THIS IS NOT MAKING SENSE*** -DOES NOT NOT SHARE THE SAME DATES OF LATE ACTIVITY AS XXXX XXXX - WHICH ALSO HAS THE DATES OF LAST ACTIVITY IN 3 DIFFERENT DATES ( NON- COMPLAINT ) HOW IS THIS ACCOUNT ACCURATE COMPLAINT OR ETHICAL, THIS ACCOUNT OBVIOUSLY VIOLATES METRO 2 COMPLIANCE STANDARD WHICH IS A STANDARD HELD BY EVERY DATA FURNISHER AND A STANDARD THAT MUST BE COMPLIED WITH
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| 10/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am currently being sued after not one but two attempts to be sued for a purchased amount by XXXX XXXX XXXX. They purchased a debt worth {$1300.00}. XXXX and another debt worth {$980.00} however, for both debts I have not been notified of 1. Name and Address of Alleged Creditor, Alleged Account Number, Date Alleged Debt Became Payable, Date of Original Charge Off or Delinquency, Amount Paid if Debt was Purchased, Proof of Debt, Payment History, Copy of Initial Loan Agreement or Credit Card Application, Proof of Debt Ownership all of which I am entitled to know due to the Fair Debt Collections Practices Act ( FDCPA ). It is to my understanding that XXXX XXXX XXXX is aware that I am entitled to this information and relies very heavily on that possibility that I may not be fully aware of my rights and reluctancy to attend court or reluctancy to dispute lawsuit is the premise of their business. I now have XXXX XXXX XXXX on my credit report and would like it removed. I am going to court to on XX/XX/2018 to vacate a default judgement that was motioned on XX/XX/2018 by XXXX XXXX XXXX because I was never properly served. There was a failed attempt at being served by XXXX XXXX XXXX , XXXX via certified mail but no record of my signature indicating that I received a summons because I did not. After being told the case was thrown out due to their method of communication I was under the impression the case was done. However, now I have to defend my rights under the Fair Debt Collections Practices Act and ask the judge to vacate the judgement.
|
| 06/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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XX/XX/2018 XXXX XXXX XXXX acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days.
Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity.
If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario.
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.
Awaiting your reply in a timely manner.
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| 04/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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On XXXX the XXXX I was garnished from my XXXX XXXX XXXX XXXXXXXX account for {$1900.00}. I also was charged a fee for this, for the amount of {$120.00}. I was garnished by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX ph. # XXXX ( a collection agency for XXXX XXXX credit card ). I checked my credit score a month later. I noticed that the debt was still there and increased. So I called XXXX funding to see why I still owe and how the balance increased when it was deducted from my account a month ago. The agent who works for them named XXXX XXXX is who I talked to and she told me that I was getting charged interest until XXXX XXXX XXXXXXXX released the money to them so I called XXXX XXXX XXXXXXXX to see why they haven't released the money and they said they sent the papers they needed to send back to XXXX funding and they haven't got back with them they both keep telling me the same thing and it's been 2 months now going on three and I have been charged {$300.00} more dollars and the money has already been taken from my account on XXXX the XXXX. The bank called them and they said they haven't received the form from the bank and the bank told them they needed to look to see cuz they had sent XXXX forms then the lady found the form and they still are charging me entrance and when I am trying to talk to them they are getting real rude and just prolonging this process and the meanwhile charging me interest and saying they haven't received the money and XXXX XXXX XXXXXXXX is telling me they have did they part they're waiting on XXXX XXXX.
|
| 08/15/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
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Web |
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In your reply you state that " Resurgent received the electronic dispute that you submitted through the consumer reporting agencies. Resurgent responded in the adequate time by providing the corresponding information to the respective credit bureaus. " What your response does not state is how the account was deleted unanimously by all XXXX credit reporting bureaus and as such any continued collections based inquiries are activities in direct violation of the Fair Credit Reporting Act coupled with additional violations and infractions against Fair Debt Collection practices act. If I am receipt of any additional information from your company in relations to the above, I will then be faced with recourse with the strength of the final dispositions adjudicated by the credit bureaus coupled with filing whatever appropriation actions necessary in a court of law up to and including seeking legal remedies that would help to shape the other matters of violation beyond simple debt collection.
Fact is the credit reporting bureaus in their wisdom have spoken and as such this does not preclude me from seeking the remedies afforded me in due process of administering and protecting my rights under the law. I will consider this matter and grievance with LVNV a closed matter for now ; that is unless there is recent of additional correspondence in response to this matter as if it does continue, then I will move to seek other " additional remedies '' afforded to me in the eyes of the law and swiftly seek to resolve this matter.
Signed, XXXX XXXX
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| 06/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY.
I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX.
XXXX and XXXX have deleted and removed the fraudulent accounts at this time.
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| 05/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have been dealing with ID theft issues, etc. since the XXXX at which point I was a preschooler apparently with a mortgage. I had to end up freezing my credit reports in the early XXXX and have had numerous fraudulent accounts opened in my name since unfreezing in XXXX. I was unfortunately a victim of several major data breaches, including the XXXX data breach of XXXX. Now, Resurgent Capital Services L.P. c/o LVNV Funding LLC is negatively reporting a debt of {$1800.00} which it alleges that I owe although I have previously contacted these people and the FTC about ID theft regarding 2 other fraudulent accounts that they were attempting to collect on which have since been closed after research. Now this current account has emerged from out of nowhere. I have no knowledge of this account nor the other 2 they ended up closing after research and they have only provided a digitally signed document after 60 days of correspondence. I am not even sure where this money went but I have had bank accounts, credit cards, and business accounts associated to me fraudulently for a number of decades now. They have not provided any indicia of proof that the digital signature sent is in fact mine nor any proof that I received the alleged money owed. I have asked to provide information regarding their validation of this alleged debt which they have failed to do as well. Further, they have not provided any information or proof that they own this debt ( i.e. the purchase and sale contract/agreement regarding the purchase of this debt from XXXX ).
|
| 09/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to XXXX. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) So. XXXX XXXX XXXX : still on my credit report supposed be deleted 3 ) XXXX XXXX : still on my credit report supposed be deleted 4 ) XXXX XXXX XXXX : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As actived military solider serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.
|
| 08/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/2018 I disputed an inaccurate item on all three of my credit report, XXXX, XXXX, XXXX. The item I disputed was XXXX XXXX Account # XXXX. All three of the credit Bureaus reported back by saying it was verified. In XX/XX/2018,,, XX/XX/2018 to be exact I wrote a certified letter to XXXX XXXX to the address listed on my credit report as XXXX XXXX XXXX, XXXX, SC XXXX requesting validation made pursuant to the Fair Debt Collections Practices and the Fair Credit Reporting Act. I requested the original contract of the original account contract and for it to be sent to me,, I am allowed to see the original contract by law. I was requesting that competent evidence bearing my signature, showing that I have contracted obligation to pay the debt. Well today is XX/XX/2018 and XXXX have yet to provide me with copies of the original contract signed by me XXXX XXXX. they have violated my rights. they have failed to respond to me by sending my proof that I own this account. they received and signed for my certified letter on XX/XX/2018 and todays date is now XX/XX/2018 and XXXX XXXX has yet to send me my documentations by mail. THIS ITEM IS NOT REPORTING ACCURATE ON MY CREDIT REPORT AND XXXX IS NOT FOLLOWING THE LAW, VIOLATED MY RIGHTS BY NOT RESPONDING AND SENDING MY PROOF AND SIGNED CONTRACT,, I HAVE ENCLOSED COPIES OF THE CERTIFIED MAIL RECEIPT AND A COPY OF MY LETTER I SENT TO THEM, COPIES OF THE DELIVERY TRACKING CONFORMATION, XXXX XXXX is being non compliance they have violated federal, law and is liable for the non compliance
|
| 05/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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A garnishment was initiated for an unspecified debt. I never have received a notice to court to dispute or arrange payment. I have never received any phone call or message from the debt collector to discuss this with me in any way. The paper work I receive comes to me XXXX week after each wage garnishment is initiated, and contains no notary seal. They send a letter to my employer and tell him to begin taking money, and only after the XXXX deduction, I receive a letter telling me they are deducting money. I have looked at the paperwork my employer received and there is no notary seal or court seal. I have never received a court document of any kind saying that this was going to court in the XXXX place, but the letters I receive and the letters sent to my employer, say this has already went to court and I lost the case? My employer wage garnishment letter has no court seal or notary seal on it either. How do i know this is legit? The letters my employer received do n't even include his last name or title on the paperwork. These papers could have been printed off of any home computer by anyone, as there is no official raised stamp or raised seal of any kind on anything. The only debt I can think of is an unpaid medical loan almost XXXX years ago. This company started sending these letters to my employer to garnish my wages for " a debt '' never saying what debt about XXXX years ago. The attached copies of the form letters are the most recent I received ... and that was XXXX week after the deduction was made from my paychecks.
|
| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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LVNV FUNDING LLC continues to report that I owe them money for 2 accounts that I never had. I have sent letters of validation and they have yet to prove any validation for these debts. The dates these letters were sent, XX/XX/XXXX and XX/XX/XXXX
I have disputed with the collection agency, as well as the credit bureaus. The credit bureaus are not doing their job, they are just allowing collection companies to say that these debts are validated and verified with no proof.
These are the same credit bureaus that have compromised my personal information by selling it to people or not having an adequate security system to protect my information. The credit bureaus have already agreed that my information has been compromised, but still allows collection companies to report that I owe them money on bogus accounts.
LVNV FUNDING LLC is in violation of my rights, because they are reporting and updating on a debt that they can not validate is even my debt. They also have called my phone numerous times after being told to stop calling and they have called before XXXX and after XXXX at times.
They are also selling this bogus debt to other companies and they are harrassing me now. Then when I call the companies to verify and validate this information, they say that LVNV FUNDING LLC has taken the account back.
Also, I am disputing the original debtors as well because I did not open the accounts and they have it showing as a charge off.
The balances on these accounts are {$1100.00} and {$1000.00} last update was XX/XX/XXXX.
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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XXXX has not been updating my account. They are reporting my credit score at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info.
The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from XXXX XXXX XXXX XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that.
" On XX/XX/2023, your XXXX XXXX XXXX XXXX student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XXXX XXXX XXXX XXXX They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me.
XXXX dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that.
There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info.
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.
Thank you for your help.
|
| 03/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I had a credit card with XXXXXXXX XXXX XXXX and my limit was {$400.00} on that card and you can't go over that limit, ever. Well, XXXX XXXX hired a law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect the debt. I paid it off last year, {$400.00}. They were trying to get me pay almost {$700.00} for this debt and we agreed upon {$480.00}. So I paid them {$400.00} which was all I could do. Well, now they filed suit against me again at XXXX Court and filed a Garnishment Summons along with XXXXXXXX XXXX, which I no longer have an account with them. This is the fourth time they are trying to harass me and threaten me with court and now garnishment for another {$430.00} when I only owe {$82.00}, however, I feel I paid it off in full, I only owed XXXX XXXX/XXXX XXXX {$400.00} EVEN. I am unemployed and told them that, I'm XXXX and I told them that, I'm not making any money and haven't filed taxes in years due to not making anything. I have tried to work it out with them and here they come again threatening me with a garnishment suit and now making false allegations and saying I now owe {$430.00}, this is a false amount and this has to be illegal. I suffer from XXXX and now they are causing me XXXX XXXX and I can't take this anymore. I need help!! I filed a letter with them and the court explaining everything and yesterday they sent another legal form from the court with hearing date and I need this to stop and stop them from trying to ruin me and causing me major XXXX XXXX and setting off my XXXX. HELP!!!!
|
| 03/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Complaint against : Resurgent Capital Services & LVNV Funding LLC Ref : XXXX On XX/XX/XXXX, Resurgent Capital Services/LVNV Funding LLC was contacted by certified mail, advising I have never heard of them & do not owe LVNV {$2700.00}.
On XX/XX/XXXX, Resurgent/LVNV contacted me again in reference to same debt & continues to harass me to pay LVNV {$2700.00}. I do not owe this!
The 1/2 page " Account Summary Report '' prepared by Resurgent Capital dated XX/XX/XXXX is not from the original creditor, XXXX XXXX, XXXX. & is not sufficient & is unacceptable. It does not prove the alleged debt is in my name. No Bill of Sale they are authorize to collect or own this debt? They are trying to collect a debt I do not owe.
Also, in the Summary Account, Resurgent didn't include the address of the Current Owner, to whom they claim is LVNV Funding LLC or any recognizable account number? Where did they get my name. Is this a scam?
Resurgent didn't provide full verification and documentation that there is a valid debt : receipt ( s ) or statement ( s ) in Acct Summary prepared by them, showing what this debt is for in the amount of {$2700.00} or who signed the written agreement with XXXX XXXX and/or LVNV Funding.
Who is Resurgent/LVNV Funding? Do they have a collection license from the S
tate of Texas? Again, I dispute this debt and do not have any responsibility for the debt they are atte
mpting to collect.
I have requested they stop all communication with me and record that I dispute having any obligation for this debt.
|
| 11/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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After filing a complaint on XX/XX/2023, i have noticed that XXXX XXXX XXXX continued to charge me after the account was closed, I payed off the Credit Card ending in XXXX with a {$300.00} Credit Limit. I did not ask for a {$500.00} Credit Increase I did not Approve a {$500.00} credit increase I did not Receive a {$500.00} credit increase the Credit card I have ending in XXXX is {$300.00} Credit Limit. I never asked, Received, Approved a {$500.00} Credit limit. XXXX XXXX XXXX Approved these transactions without my permission, I am being charged for a Credit Card with a {$500.00} Credit Limit, I never Asked, Approved, Received. After being Charged {$900.00} after the account was closed my, Information was sold to a 3rd party Debt Collector Resurgent who is associated with this Company/Organization, the Debt was charged up to {$900.00} dollars instead of a {$1000.00} anything {$1000.00} and above is Federal the tactic used in this measure is very unprofessional and have a life impact on me and many others in the world. I am not Responsible for a {$900.00} Debt that i did not Accrue have Access to Approve or Receive. I tried reaching out to XXXX XXXXXXXX XXXX after talking to them and explaining in a respectful manner its the same process representative hangs up on you while talking, I call back then you get an apology, i called today XX/XX/2023 hung up on me once she pulled up my account, The tactics this company uses is very unprofessional my my personal Data /Information is being used for profit without my knowledge.
|
| 09/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
This debt collection agency has engaged in prohibited practices under the FDCPA, which include abusive, deceptive, and unfair conduct. They have reported an account for which there was no agreement or signed contract on my part. A legal contract necessitates the agreement of both parties, and I was not involved in any such agreement. Furthermore, they failed to follow the proper five-step validation procedure, further contributing to these unfair practices. The balance on my credit report does not match the balance I have with the original creditor. Additionally, there are discrepancies in the data they have furnished. It raises questions when the " date last active '' differs from what another credit bureau is reporting, as all information should be both complete and accurate. Moreover, I was never provided with correspondence notifying me that this account was sold to LVNV FUNDING LLC, which is a clear violation of regulations. There was no communication sent to me by mail leading up to the reporting of this collection account, even though it was added in XX/XX/2022. I am formally requesting a copy of any correspondence that was mailed to me during that time, informing me of the debt with your company. Failure to provide this documentation would constitute another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed and payment is not made within 15 days, I will have no choice but to involve my legal attorney to pursue this matter through small claims court.
|
| 08/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
{$870.00} amount has been posted by XXXXXXXX XXXX XXXX Visa Card since XXXX as a debt owed to Company. Twice I have responded to the company and all three Credit Bureaus and was resolved due to identity theft on my report. It was deleted from my report in XXXX after filling a complaint. I have also spoke with the collection agency on several occasions about this continued problem which seems to never go away. This Company continue to use a different agency from XXXX XXXX on many occasions to update balance by reporting it as a current active account which I have never sent any payment or acknowledge any debt by me. I am constantly appalled by their different tactics used to sabotage my credit report even after declining the existence of any relationships with the company.
Their blatant and irresponsible behavior continued to affect my score and rating anytime this reporting occurred or when I am trying to obtain a loan or services for my family that this account showed up on my credit reporting as current debt.
As of XX/XX/XXXX, it was reported or posted again as a delinquent account until XXXX, XXXX. What else do I need to do with this company for them to continue to harass me and my family. Never conducted business with this company and do not know or have any legal or binding contract with them, neither did I signed any financial document nor agreed to do business with them in XXXX. This is not funny anymore!!
I like this removed from my credit report permanently and not when it is convenient for this company.
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
LVNV Funding placed a collection for {$5600.00} on ALL 3 Credit Bureaus ... XXXX, XXXX, and XXXX. I became aware of this in XX/XX/XXXX.
WHAT HAPPENED : ** On XXXX i saw LVNV was on my credit report. Never having received anything to do with this company nothing, I sent a letter. ( see attached ).
** On XX/XX/XXXX = I was SUED by LVNV Funding. ( Still, I had never heard of them or from them ).
** On XX/XX/XXXX = I responded.
-- -- - After waiting out LVNVs continuances for documents.On day of courtLVNV is no-show all while reporting still monthly to ALL 3 CREDIT AGENCIES.
On XX/XX/XXXX = COURT DISMISSED LVNV Fundings case. CASE DISMISSED ... ( see document ) On XX/XX/XXXX = I write ALL 3 AGENCIES requesting they REMOVE LVNV Funding off my report AND THEY ARE REFUSING.
PROBLEM : XXXX and XXXX refuse to remove after receiving Court Ordered Dismissal. ************ Their reason to me= they continue to wait for LVNV Fundings response REQUESTING HELP FOR RIGHTS 1. I requested LVNV ; who I had never heard of get off my credit report. I was proactive and requested LVNV Funding verifying and validate any debt they were accusing me of owing as well as verify who the heck they were. NOTHING THEN 10 days later= IM SUED BY LVNV FUNDING.
2. LVNV Funding continues to report to all 3 credit agencies stating, I owe them moneyI say I do not, and the Court Agreed.
THIS CASE HAS BEEN DISMISSED IN A COURT OF LAW PLEASE MAKE XXXX, XXXX AND XXXX REPORT THIS DISMISSAL CORRECTLY AND REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.
|
| 05/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
This debt is for a credit card from XXXX XXXX XXXX. I sent a letter to the bank in XXXX explaining I could not pay the bill due to fees every month, balance increasing due to fees I could not catch up. I hoped they would work with me. All my paper work is gone from that year. XXXX & XXXX I received a letter from LVNV Funding LLC. I wrote them explaining I did not have a job and could not pay. I never heard from LVNV again until XX/XX/XXXX. LVNV Funding stated they were suing me, {$2200.00}. They won by default. Since it was so old I have no paperwork to defend myself. XX/XX/XXXX it appeared on my credit report noting account opened in XXXX. That year is wrong. Like I said this account is from XXXX. This account is so old I have no way of retrieving information from the bank due to the bank being sold to another.
LVNV Funding is being very deceptive. They should not be allowed to hold on to a collection for 9 years send a letter demanding money and then put it on my credit report with a notation, account opened in XXXX. LVNV continue to contact me requesting money. Now they have my email. XX/XX/XXXX I received an email from LVNV requesting money. XX/XX/XXXX I received an email from XXXX XXXX XXXX collection working on behalf of LVNV Funding LLC. XXXX is requesting {$2200.00}. XXXX is demanding a reply within 30 days to set up a payment plan. Is this going to continue until I die?
I'm XXXX and live on SS. I have no home of my own, no car of my own, no money.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX
|
| 05/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently had a notice for this company to contact me by mail for any correspondences because I hadn't received anything from them but the credit bureaus kept saying verified. How was this account ever verified when the address that they told me on XXXX was not my address nor has it ever been my address. I have not received any documents from LVNV. In my conversation with XXXX and supervisor ( I can not recall her name ) on XXXX the most recent conversation the representative dictated the WRONG address and said oh, that may be why you haven't received anything. I have disputed this account and the verification of this account with all the bureaus as well as with Resurgent ( LVNV ). I have NEVER received anything from them in regards to this account.
When I asked the representative today what I could pay to settle this account because it was not my fault that I hadn't received anything she told me {$920.00} which I felt was unfair due to the fact that I was never notified of this account nor that they were going to place it on my credit file earlier. I feel this is unfair.
In looking at my spam today after my knowledge of LVNV I found over 30 emails from XXXX XXXX in reference to LVNV dating from XXXX XXXX XXXX. How was I supposed to know about this account or any liabilities that I had from emails in a spam folder?
How are these tactics above board? Why do I have to advocate so hard for myself when I am in the dark about this entire account that according to the representatives was sold to you in XX/XX/2019.
|
| 10/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
I would like to stop receiving emails from XXXX XXXX who does not share how they they are in conjunction with LVNV. Please provide this information and please provide verification of debt. I have received XXXX emails since XX/XX/XXXX and about XXXX since XX/XX/22. I consider this harassment as they are also using multiple XXXX to reach out such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX who are constantly spamming me. They are using multiple LLCs or names so as to cause confusion. I also did not agree for debt to be collected by either LVNV OR XXXX XXXX or anyone else. They are also constantly threatening to return debt if unresolved when in fact I did not agree to work with them.I do not appreciate the threats and that is not how to go about this. Please explain why you felt the threats were necessary. They are soliciting me for money and quoted " It is the policy of LVNV Funding LLC, the current creditor, to delete the tradeline upon satisfaction of an account that they have reported. Please note, this applies only to the tradeline reported by LVNV Funding LLC and will not affect the tradeline of the original creditor or any other third party. '' Which means I would still owe the original creditor, please explain why I would pay this yet it would not affect the original creditor who I actually owe debt to. These are bad business practices that I would not like to be involved with at all and are causing me much harm. Please explain how it is valid to do all the above. I would like to close this debt account.
|
| 01/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
So the Debt Collector Resurgent Capital Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, SC, XXXX has yet to Verify the debt that is on my credit report under a business name of theirs that they are doing business under XXXX, XXXX. This dispute was opened on XXXX by the better business bureau and still XXXX, XXXX. Or Resurgent has not provided any verification of debt or judgement to be mailed to the consumer ( XXXX XXXX XXXX ).
1. This debt was added to a credit report without being verified. Incompliance with FDCPA 1692e 1692f and if it has provide official written proof in detail.
2. This debt has still yet to be verified with consumer as of XXXX/XXXX/XXXX XXXX. Upon dispute from the BBB the Collection agency failed to provide verification of debt, verify debt and or provide the consumer with judgement against XXXX. Have failed to mail any documentation to the consumer regarding the debt 5. I demand that this be removed from my credit report for the above violations. If this is not removed I demand the Collection agency provide the authorization of the initial debt along with the full payment history and actual amount of debt before any and all fees this would comply with the Fair Debt Collection Practices Act 1692e and 1692f There also needs to be a new response not the initial response again sent from XXXX XXXX, XXXX.
I am giving Resurgent a chance to do the right thing before I file this with the FTC and Commonwealth of Massachusetts small claims court to seek damages from this unverified debt.
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP.
XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} LVNV FUNDING LLC XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} RESURGENT XXXX XXXX/ LVNV XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XX/XX/XXXX. {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT XXXX XXXX ( MISCELLANEOUS ) XX/XX/XXXX XXXX XXXX ( MISCELLANEOUS ) XXXX XXXX XXXX ( BANK ) XXXX XXXX XXXXXXXX XXXX XXXX BANK ) XXXX XXXX XXXXXXXX XXXX XXXX FINANCE ) XX/XX/XXXXXXXX XXXX / XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX XXXX HOTEL AND TRAVEL ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX XXXX BANK ( FINANCE ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( BANK ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PLEASE NOTE THIS INFORMATION HAS BEEN REPORTED TO YOUR REGISTERED AGENT, XXXX XXXX XXXX and also the FTC. LVNV/Resurgent receivables has failed to verify this alleged debt. I have asked for verifiable accounting records and they have sent a document wanting evidence of identity theft. That is not evidence of debt. It is my federal right to see an audit trail as well. LVNV/Resurgent Receivables has failed to do this as well. I have sent a cease and desist letter to them multiple times. However, lvnv/resurgent receivables have ignored my cease and desist. 15 USC 1692c lets me know that they are prohibited from communicating with me through ALL MEDIUMS. This would include my consumer report. Lvnv/Resurgent Receivables has failed to substantiate its claim about the alleged debt. LVNV/Resurgent Receivables feels like their company policy supersedes federal law. It does not. I deem each time LVNV/ Resurgent Receivables ignores my attempts, is a willful violation pursuant to 15 USC 1681n- Civil liability for willful non-compliance. It is also a negligent violation pursuant to 15 USC 1681o- Civil liability for negligent non-compliance on Resurgent Receivables part. I also did not give authorization or permission to have my personal identifying information which you obtained through aggravated identity theft in accordance with 18 USC 1028A. Please send an affidavit signed with wet ink certified under penalty of perjury to substantiate your claim. Without this, you have no consent to continue any collection activities.
|
| 07/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PLEASE NOTE THIS INFORMATION HAS BEEN REPORTED TO YOUR REGISTERED AGENT, XXXX XXXX XXXX and also the FTC. LVNV/Resurgent receivables has failed to verify this alleged debt. I have asked for verifiable accounting records and they have sent a document wanting evidence of identity theft. That is not evidence of debt. It is my federal right to see an audit trail as well. LVNV/Resurgent Receivables has failed to do this as well. I have sent a cease and desist letter to them multiple times. However, lvnv/resurgent receivables have ignored my cease and desist. 15 USC 1692c lets me know that they are prohibited from communicating with me through ALL MEDIUMS. This would include my consumer report. Lvnv/Resurgent Receivables has failed to substantiate its claim about the alleged debt. LVNV/Resurgent Receivables feels like their company policy supersedes federal law. It does not. I deem each time LVNV/ Resurgent Receivables ignores my attempts, is a willful violation pursuant to 15 USC 1681n- Civil liability for willful non-compliance. It is also a negligent violation pursuant to 15 USC 1681o- Civil liability for negligent non-compliance on Resurgent Receivables part. I also did not give authorization or permission to have my personal identifying information which you obtained through aggravated identity theft in accordance with 18 USC 1028A. Please send an affidavit signed with wet ink certified under penalty of perjury to substantiate your claim. Without this, you have no consent to continue any collection activities.
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
on XX/XX/23 LVNV Funding LLC received my request for disclosures that Federal Law states that i suppose to have gotten while I'm a customer with their company. And I gave them 14 days to resolve this matter and they haven't responded back to me At no time did I ever receive any of the required disclosures from them at the beginning nor while i m customer and they are currently reporting to all the credit reporting agencies. And the FCRA 15 U.S. Code 680215 U.S. Code 6802 - Obligations with respect to disclosures of personal information- which is very clear on what 'Im entitled to..see below In addition - I never gave them permissible purpose to have access to any of my consumer reports pursuant to FCRA 15 U.S. Code 1681b - Permissible purposes of consumer reports Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option
|
| 01/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, XXXX contacted me via email about an unvalidated debt from XXXX from XXXX 's ( {$1000.00} ) that was purchased by LVNV Funding, LLC. I responded with an email requesting they not contact me, my friends or family, or employer about any debts they allege I owed. To my knowledge, I have never had a credit account with XXXX 's and I believe this debt collection to be incorrectly sent to my email address, regardless, I requested they cease contact with me.
On XX/XX/XXXX, XXXX contacted me again via the same email address, to which I had previously requested they not send collection notifications, about another unvalidated debt from XXXX XXXXXXXX XXXX in XXXX ( {$350.00} ), which again was purchased by LVNV Funding, LLC. I have responded again with a cease and desist contact email. Again, I have no knowledge of an account with XXXX XXXX XXXX and I believe they are again emailing an incorrect address.
Both times the contact name attached to my email address had an incorrect middle initial, which, combined with my lack of knowledge of these accounts, leads me to believe they have not done their due diligence and are assigning my email address to another person 's collection account at XXXX.
Both of the alleged debts are well over a decade old, and beyond any significant actionable collection methods. I would like XXXX to cease collection communications with me via email or phone unless they are certain the debt belongs to me and is of an age that collection is within the scope of Texas statutes.
|
| 10/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a collection company called XXXX XXXX XXXX that has called me and threatened me and they have also sent me a bogus offer to settle a debt which they can not verify or validate. They say that they represent some company called LVNV Funding LLC. I have asked both companies to send me the original agreement from XXXX XXXX showing that i had an account with them and they REFUSE To do it. They are falsely accusing me of having a debt of XXXX that I do not owe. I do not have a contract with either one of these companies but they are trying to harass me and extort money from me and I have demanded that they cease and desist with any collection activity. I am sick and tired of having to go through this with these companies and I am demanding that a full investigation be done into their illegal collection practices when I have requested and demanded that they stop contacting me, stop sending me stuff in the mail and they have threatened to put this on my credit reports without sufficient proof that this is a valid debt and that this debt is mine. I have asked for the original contract and source document and they CAN NOT and or WILL NOT PROVIDE IT. Provide a credit card application with my signature and this can all be settled, you can not because one does not exsist. XXXX XXXX has taken an old unverified debt, wrote it off as a loss then sold it to these two bogus companies for a false collection attempt and I will not stand for this anymore. They just contacted me again today and I have asked them not to.
|
| 10/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Received letter from Resurgent Capital Services claiming they were collecting a debt for XXXX XXXX XXXX for {$7200.00}. I called Resurgent on XX/XX/XXXX and told them I had previously received a similar Debt Collection Notice back in XX/XX/XXXX from XXXX XXXX XXXX XXXX and I told them this was NOT my bill, that I had been previously charged with this and each time I had proven it was not mine ( see related correspondence ).
At that time, Resurgent Supervisor, XXXX XXXX informed me they also had a second Debt to collect for XXXX XXXX XXXX in the amount of {$3800.00}. I told them XXXX XXXX XXXX had previously sent these same claims from two previous Debt Collection Agencies as well from XXXX XXXX XXXX themselves ( back in XX/XX/XXXX ) - and so I would now be seeking at least {$1000.00} per repeated claim from XXXX XXXX XXXX / Resurgent for these repeated false claims and continual harrassment. It has cost me a small fortune in all the Registered Postage with Return Receipts Requested - and the only time they stopped harrassing me is when I complained to CFPB the last time - and, thankfully, you managed to resolve it for me at that time. And so, instead of trying myself three times ( with NO success ) I will go straight to you this time and request your expert help once again. All supporting data - for these latest two claims - and the previous ones are attached. I take this opportunity to thank you in anticipation of your being equally effective this time too.
Yours Sincerely, XXXX XXXX Ph : XXXX XXXX XXXX
|
| 03/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I disputed this debt and on XXXX the agency removed it from my credit report. This company runs under many different names. I would get letter stating again, that I owe the debt. I would write back as required within 30 days stating I do not owe the debt, and requested proof that I owe it. I never received the proof, because I do not owe it. I sent the last letter out to their address and the letter was sent back to me, the letter was requesting proof that I owed the debt. Now, again, on XX/XX/XXXX, they are once again reporting it on my credit report. Mind you that this debt is from more than 5 years ago. They are reporting it as new, when it is not. In the state of Nebraska the statute states that the statute of limitation is 4 yeas, and mine falls under that category. I have explained to them I do not owe the debt, and the debt I had, I paid to the original creditor. Also, that I never lived at the address one of the services were provided. I am tired of this company reporting to my credit, and sending me letter from their sub companies in order to obtain money I do not owe. I have once again disputed with XXXX, and have decided to file this complaint. They have shady tactics to obtain money from a debt account they purchased. Originally it was with XXXX XXXX XXXX, I disputed it with them as well, then they " sold '' my account to LVNV Funding, Or Sherman XXXX, and its subcompanies. I need them to stop and not to " sell '' this account to someone else so I can go through the same thing all over again.
|
| 11/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I am filing this dispute against XXXX XXXX/Resurgent for unfair and inaccurate credit reporting. The collection was removed from my credit report XX/XX/2016 and the re-added without any form of notice. Under the Fair Credit Reporting 15 U.S.C. 1681g Act I demanded disclosure of the documents that were recorded and retained. I have sent XXXX XXXX XXXX, XXXX, XXXX, and XXXX multiple letters to verify and validate the debt as mine. I have not received documentation or verifiable proof from XXXX XXXX XXXX, XXXX, or XXXX. XXXX removed the debt as it could not be validated. If XXXX could not validate the debt how are XXXX and XXXX? Where are the documents to show proof that I had a contract with XXXX XXXX XXXX? I am requesting if you do not have any documentation in your files to verify the accuracy of these disputed accounts and proof that they have authorization to collect debt, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
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| 08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX, I sent a letter to XXXX XXXX and XXXX requesting for the deletion of inaccurate, unknown accounts on my credit reports.
Specifically, a company named XXXX XXXX reported a {$400.00} charged-off account, opened in XX/XX/XXXX, to XXXX XXXX XXXX XXXX. XXXX XXXX sent the account referenced above to a collections agency named Resurgent Capital Services LP in XX/XX/XXXX, for the amount of {$420.00}.
I have never opened an account with XXXX XXXX and do not know anything about the charged-off and collections accounts yet all three credit bureaus are still reporting these inaccurate accounts on my credit report. XXXX updated my credit report with the following comment : " the company reported certified to XXXX that the information is accurate ; XXXX updated my credit report with the following comment : " account information disputed by consumer, meets FCRA requirements '' ; and XXXX updated my credit report with the following comment : " consumer disputes after resolution ''.
I was curious as to how XXXX XXXX determined that an inaccurate account should remain on my credit report. Between XX/XX/XXXX and XXXX, I wrote additional letters to XXXX XXXX, XXXX XXXX XXXX XXXX requesting for the description of the procedures used to determine the accuracy of the disputed information and for validation obligating a payment.
I have not received any responses from XXXX XXXX or the credit bureaus. I am currently experiencing financial harm because of these companies ' negligent reporting practices.
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| 03/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I learned inXX/XX/XXXXthat PYOD, LLC had filed a delinquency against me. This company is also known as Resurgent Capital Services. I called the firm and spoke to a XXXX at XXXX. She informed me that an account had been opened in my name with XXXX XXXX XXXX, XXXX. The account was opened in XX/XX/XXXX in the state of Georgia. The amount being reported is {$1500.00}.
It was determined in this phone call that the account was not mine and I asked XXXX how I might get this matter resolved. The spelling of the account holder is spelt differently than how I spell my name and I have never resided in Georgia.
She informed me that she would be sending a letter to me in the mail that would give me an opportunity to dispute my claim.
I received the letter several weeks later, datedXX/XX/XXXX. I quickly called my attorney and asked for his involvement. He and I filled out the forms, signed the forms and notarized the letters disputing the matter.
The letter and forms were sent to PYOD, LLC and received on XX/XX/XXXX. I called the company onXX/XX/XXXXand learned the investigation from the firm has not begun and I was told that no timeframe was available. PYOD has been very slow to respond in several situations.
I am involved with a purchase of a home. My credit is being adversely effected by over 100 points due to this false claim. The lenders are advising me to get this matter resolved as quickly as possible as the damages will be six figures due to the rate increase associated with the damaged credit report.
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| 10/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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A company by the name of Resurgent Capital Services keeps harassing me about a credit card payment due to XXXX XXXX that I never owed. Ive sent countless messages And proof showing that I paid this account in full & never used the card again ; I cut up the card. I explained to XXXX XXXX this & they told me that when I was paying the full balance of {$750.00} that I didnt have to pay anything else ; this was XX/XX/2017. After a year or so, I then started to get harassing letters and calls from a debt collector ( Resurgent Capital ) saying I owed XXXX XXXX {$630.00}. I tried disputing this numerous times for over 2yrs with Resurgent, yet they are persistent in trying to force me to pay a balance that I do not owe. Ive even disputed this with XXXX XXXX since they lied to me and sent this fraudulent bill to resurgent so they could pressure me into paying something I never owed. While its been a problem, due to this being on my credit report, now its a huge problem that I want to go away. In which Im willing to file anything to prove my innocence of this being a fraudulent bill. Ive made a complaint with bbb.org, Im making a complaint with you all, & im filing a police report on resurgent & XXXX XXXX for harassment, and fraudulent charges. If the problem persists, then Im just going to file a lawsuit against both parties because I refuse to fight this case to prove my innocence alone. These people are savages and they need to be stopped or put out of business. Im tired of being a victim to these people.
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| 07/10/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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LVNV Funding/Resurgent XXXX XXXX XXXX XXXX, SC XXXX Resurgent XXXX XXXX XXXX XXXX, MI XXXX LVNV Funding/ Resurgent Account Number : XXXX These are apparently the same company. They both filed two times on my credit report claiming I own " care. '' {$960.00} This action originally occurred in XX/XX/XXXX. They placed it with " collections ' on my credit report. They never complied with the law and validated any information and alleged debt with me. I continued to try and make contact with them via phone and via mail, with negative results. They will not communicate with me. In XX/XX/XXXX They placed this on my credit AGAIN via collections without my knowledge. They stated this account was opened in XXXX of XXXX. This is Clearly Not True. I have not opened any accounts for years. I am continuing tryin to make contact with both these " companies '' but fail every time. They will not communicate with me. When I asked them for validation, they never replied. They just took it upon themselves and placed it for collections on my credit report. This has been so frustrating to me. I have had all credit bureaus make contact with them and they claim these companies allegations were true. They are not. How can I fix this. They are making my credit report terrible and I do not owe what they are saying on my report. They are falsely claiming I opened this account in XX/XX/XXXX when originally they claim I opened this account XXXX. I need some help please. Thank you They are clearly scams to get money from me.
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| 01/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
|
Resurgent Capital Services L.P. Is attempting to collect a debt that was deemed a fraudulent account by the FTC, CFPB, XXXX XXXX XXXX XXXX, AND all three major credit bureaus. When I previously disputed this item -- Resurgent Capital Services L.P. response was providing a statement from XXXX showing I made a payment on the account. I am unsure how this " proves '' the account was not fraud and/or the result of identity theft -- it certainly does not meet the legal definition in by the provisions of 15 USC Section 1681i of the Fair Credit Reporting Act. Making a payment on the account does not prove it was not fraud. I made a payment in an attempt to avoid it hurting my credit while I disputed the information. XXXX XXXX XXXX XXXX required that I get a police report, and also an FTC affidavit in order to dispute the charges. Which I did- but the took time. I have attached copies here -- again. My XXXX CREDIT CARDS WERE STOLEN FROM MY HOME. Along with my ID, my social security card, etc. This resulted in identity theft. The cards were not OPENED fraudulently. They were stolen and USED fraudulently to open other accounts. I attached the police report that says as much.
My next step is to file a complain with the Florida Attorney General 's office and also to file suit against Resurgent Capital as I have med the burden of proof that these items are a result of fraud AND they they have already been removed from my credit previously. Which means that Resurgent IS still attempting to collect a debt.
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| 10/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX, I sent a certified letter to XXXX credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA XXXX reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to XXXX in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. XXXX failed to provide this information which is a violation of the FCRA. On OXX/XX/XXXX, I contacted XXXX via phone and requested once again the method of verification in response to XXXX 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking XXXX to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX7, I received another credit report from XXXX ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. XXXX did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to XXXX, any automated response or e-ocar verification is unacceptable. XXXX must provide documents bearing my signature that the debt is valid. As of the writing of this complaint XXXX has failed to respond to my request. Thus,, XXXX is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.
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| 12/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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LVNV FUNDING - XXXX has violated several of my consumer rights.
In accordance and pursuant to the Federal Credit Reporting Act ....
15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.
15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 1681s-1 ( a ) ( 1 ) ( A ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I did not receive a letter of right to dispute. I have disputed LVNV Collection Services with all 3 Credit Agencies on several attempts ( XX/XX/2022, XX/XX/2022 ) and they have not only removed the errors but recently the dispute came back verified. I know that the verification is frivolous due to the time it took to verify knowing that they did not speak to a live person. Please see to it that they comply to the full extent of the law as their noncompliance has devastated our family 's financial stature and defamed our character.
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| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have no knowledge of any such debt being owed toEnter compan LVNV Funding LLC ORIGINAL CREDITOR ( XXXX XXXX XXXX I am familiar with the XXXX XXXX XXXX 's ( XXXX ) Consumer Credit sourcebook which states the following.
" A firm must not ignore or disregard a customer 's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer 's claim is not valid. '' XXXX " A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds. '' XXXX " Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner. '' XXXX If you do not stop collection activity whilst investigating my dispute, you are breaking XXXX rules and guidance.
Also, ignoring claims that debts have been settled or are disputed and continuing to make unjustified demands for payment is harassment.
Please do not make any further contact about the above accounts unless you can provide evidence of my liability for the debt.
I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to my local trading standards service and consider informing the XXXX of your actions.
I look forward to hearing from you.
Yours faithfully
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| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have previously filed a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX. This complaint is against XXXX XXXX and their reporting of 4 Fraudulent accounts being reported to the credit bureaus. I have provided all documentation I can provide to the best of my ability and after my complaint there was no resolution to the accounts being reported.
I am a victim of Identity theft and I first contacted XXXX XXXX regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX ( this individual was a family member who resided with me for a period of time ). They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX and XXXX have honored my claim but XXXX has not. I contacted XXXX XXXX again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by XXXX to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to LVNV Funding LLC and all three credit bureaus are currently reporting this account as a collections account.
Please also keep in mind the 3 remaining accounts on XXXX are reporting charged off every single month for the last year which is a violation of the FCRA.
|
| 10/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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LVNV FUNDING ACCOUNT # XXXX.
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
|
| 12/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Each of the following companies called and told them to remove from credit report also mailed letters ask them to send me copys of my signature on a credit app asking for credit with no results each one is listed below 1/. Lviv funding local co resurgent capital services XXXX XXXX XXXX XXXXXXXX sc XXXX phone. XXXX This one is fraud never heard off them or did get credit from them need removed N 2. /. Same problem as above The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX. Same as above XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX Phone XXXX XXXX XXXX. Same as above XXXX XXXX lack XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX Phone XXXX The following were secured cards that took deposits from me i of XXXX each and charged card fee and yearly fees contacted them also by phone and mail with no results they would not return my money after term so I cancelled the cards and they filed profit and loss on there taxes as write off and need them removed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX nv XXXX phone XXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX phone XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX wi XXXX phone XXXX The following two never heard off them just appeared on report need them removed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX Thank you for youre help I am trying to get a house I take care of my parents that are XXXX and XXXX been married for 70 years father is XXXX XXXX XXXX veteran
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| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Fact, pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Fact, pursuant 15 USC 1681a ( f ), the term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
Fact, pursuant 15 USC 1681a ( b ), the term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
Fact, pursuant 15 USC 1681a ( c ), the term consumer means an individual.
Fact, RESURGENT/LVNV FUNDING is a consumer reporting agency.
Fact, I, XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX, is a consumer.
Fact, I did not give RESURGENT/LVNV FUNDING or its affiliates written instruction to furnish a consumer report in my name. This is a violation of 15 USC 1681b ( a ) ( 2 ), 15 USC 1692e ( 2 ) ( A ).
Fact, RESURGENT/LVNV FUNDING being a debt buyer, it is implied that the accounts have been turned over to innocent purchasers for value. This is a violation of 15 USC 1692e ( 12 ).
|
| 11/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This company continues to fail to validate the SCRA ( Serviceman Relief Act ) which entitles the serviceman to receive 6 % rate regardless if they bought the account from a prior creditor as long as the account was open prior to entering the service. The process requires the rate percentage to be amended to the amount and then provide the consumer with the final amount to pay off their amount. I have called several times, dispute the account on my credit bureau, and they still refuse to warrant the relief that I have the right to have. I inform them JAG validates this relief and those who do not follow it are clearly violating the serviceman 's right!
This company tried to sale my account yet to another collector that threaten to take legal action and once advise to SCRA and dispute stated that they need to handle the situation and they will no longer persist.
I reached out to them several times t warrant my relief and pay off the deft, but all they try to do is give me some sort of payment arrangement, but refuse to truly validate SCRA. Previously they pass on this account to yet another collection company, but they had no problem to warrant the relief percentage, but when I called back to payoff the agreement they account went back to LVNV FUNDING LLC due to my dispute through the credit bureau. As I called LVNV FUNDING LLC again they continue to refuse to validate the relief. I inform them I have spoken to an attorney at JAG and they have advise that the relief should be validated.
|
| 02/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a credit line with XXXX XXXX XXXX ( https : XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( https : //XXXX ) which forced the debt to go into collection and later on sold to LVNV Funding LLC - Resurgent Capital Services. XXXX XXXX has reached a settlement a agreement with LVNV and the agreed amount was settled and paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted LVNV and they asked for XXXX XXXX to contact XXXX XXXX XXXX at ( XXXX ). I contacted XXXX XXXX but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence that was issued through XXXX XXXX. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of LVNV. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done almost a month and a half ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively. I have opened a CFPB complaint and all involved party have responded inadequately and the issue is still unresolved. As it stands now, one or more of the involved parties have conspired to pocket my payment towards the debt settlement.
|
| 04/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've received numerous letters from this debt collection service, with conflicting messages. Based on a phone conversation I had with them and instructions they sent in their follow-up, they requested : 1. I send a formal note disputing the debt. I did this.
2. Get a notarized affidavit that I was a victim of ID theft during the period the debt was incurred. I did this.
3. Provide a police report. I did this.
They closed 2 of the 4 collection accounts, but for the remaining 2 responded that the documents I provided were either not complete or not legible. What kind of XXXX XXXX is this? How was it complete and legible to resolve 2 accounts, but not for the remaining 2.
Here are the accounts in question : XXXX XXXX : Account : XXXX XXXX Ref No : XXXX XXXX XXXX XXXX XXXX : Account : XXXX XXXX -- CLOSED Ref No : XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX -- CLOSED Ref No : XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX Ref No : XXXX XXXX XXXX I'm still receiving mail from this organization to pay for the debt that I've already disputed and provided more than sufficient proof that it is not mine. They even have my name misspelled in all of the communication, because the account was fraudulently created. I've emailed them numerous times and called them numerous times and I keep getting the same inconsistent response. I'm requesting CFPB to help me in fighting this predatory collection agency.
Please let me know what other info I can provide to aid in your investigation.
Thank you
|
| 07/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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Balance with debt collector is far more than I owe for the debt.
When I began making repayments through XXXX of XXXX ( payment history is attached, as well as the original credit card statement. ) the balance on the credit card statement was XXXX. I was approximately XXXX over my credit limit. A total of XXXX was paid directly to XXXX XXXX bank from XX/XX/XXXX XX/XX/XXXX. I then received a notification that my account was sold to a collection agency. **The first notice from the collection agency was received XX/XX/XXXX. The payments that were being made to XXXX XXXX through my credit counseling agency were cashed all the way up to XX/XX/XXXX. The collection agency, Resurgent Capital Resources in XXXX, North Carolina is state that they were given the account on XXXX XXXX, XXXX. Resurgent Capital is stating the balance is XXXX because of of XXXX of fees and interest accruing on the account. I ca n't possibly owe XXXX on this account. My payments were transferred from XXXX XXXX to Resurgent Capital this month. However, I can not get resurgent Capital to respond to my dispute letter ( also attached ). I am asking for your help in this matter. I feel like I am being charged and having to pay this debt over and over again. My balance should be no more than XXXX. Even if a collection fee was added there is no possible way I can owe XXXX or any other amount over XXXX. I have requested billing statements and proof of all payment postings on this account. Yet, I have not received them. PLEASE HELP
|
| 02/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record immediately. Because my laws have been violated!
Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX Account # XXXX, Original Account Number : XXXX XXXX. LVNV Funding LLC, Reference ID : XXXX Account # : XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
I am requesting the original purchase agreement that shows they are the legal owners of these alleged debts. Please include all the terms and conditions that are included these purchased agreements.
|
| 02/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I had an account with XXXX XXXX XXXX in 2016 during which time i lost my job, i was behind on the payment, so XXXX XXXX offered me a payoff for a settled amount ... .which i then agreed upon and paid. The account with XXXX XXXX actually shows resolved on my credit report. Now i am getting debt collection ( LNVN ) showing on my credit report and i dont know how they just doubled the debt amount - the credit card limit was {$300.00} to begin with this collection company is trying to charge me over $ 700- on a account that i was under the impression was already paid off with credit card company- XXXX XXXX - i have no paperwork from the phone call with the XXXX XXXX because everything was over the phone - i am not sure how to proceed, and i called the collection agency, LNVN and they said they would need to have proof of agreement with XXXX XXXX, to be honest at that time i was lucky to be able to afford the settlement amount and was grateful to have had enough to pay it off- now this coming back up and show another negative on my credit report and having no real knowledge of how to legally persue this without having yo spend money i do not have available to get an attorney. How can these companies do this legally- where is the rights of the average consumer? I am not in a position to pay over {$700.00} dollars to collections i dont even owe- i have children to raise and some months we are lucky to afford groceries after paying bills, i hope there is something i can do to have this resolved.
|
| 04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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This is a formal complaint against LVNV Funding located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, LVNV Funding has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 07/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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This debt collection company continues to show up on my credit report and has/ is committing the following violations : ( 1 ) Continued attempts to collect debt I do not owe : Debt is not mine ; ( 2 ) Failed Disclosure verification of debt and still reporting account : The information this company has provided is woefully deficient and fails to establish that this is a valid item. First, they have not, by any credible means, demonstrated that I owe this alleged debt to their organization. They have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. They have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation.
Second, they have merely provided a copy of their invoice from your own debt collection company which is simply not enough satisfactory proof that I, personally, incurred this alleged debt. They have failed to prove that there is any legal or contractual obligation between myself, theiry agency or the creditor.
Third, they have failed to establish any relationship between me and the purported debt. All of my personal information from their attached letter was received after I mailed correspondence to them. I demand that they discontinue reporting this item to the credit bureaus and, in fact, that they delete the item.They have failed to provide ANY credible proof that the alleged debt is mine or that the alleged debt can be validated.
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| 03/14/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I, XXXX XXXX XXXX, or XXXX XXXX, being one and the same person, am being sued by LVNV Funding, LLC, through a law firm c/o XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, MS , for a debt ending in account number XXXX. According to my records, I dont even have an account ending in XXXX. They are claiming that I owe {$980.00}, plus court costs of {$74.00}, which comes to {$1000.00}, plus post judgment interest at 8 %. The original debt they claim started with XXXX XXXX back in 2016. They havent provided a current statement to show exactly what bill this is ( supposedly an old XXXX account ). I dont, like I stated above, have any record or records of an account ending in XXXX. I believe this is a frivolous and possibly fraudulent claim to collect on either an old junk debt that the statute of limitations has expired on, or a debt that I dont owe. I feel like XXXXVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, MS XXXX, is/are using intimidation tactics to collect on a debt that I dont owe. They ( XXXX XXXX XXXX ) only attached a Plaintiffs Affidavit of Indebtedness and Ownership of Account to the Summons and Declaration. There is no bill for me to look at to see exactly what the amount is they are suing me for, and like I have stated earlier, I have no record of an account ending in XXXX. I would like for someone to please look into this for me, because I refuse to pay a debt that I do not owe, and Im certainly not going to being intimidated into paying it, either.
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| 03/21/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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For most of XXXX I have had to deal with LVNV FUNDING LLC making false statements that money is owed to them, I have been called and harassed at all hours of the day, they have called my then, XXXX year old son ( on phone he would use ) and threaten him, yell at him, accuse him of stealing $ from their company, telling him they knew it was really me. LVNV FUNDING LLC did not purchase any debt from the original creditor, they purchased it from the 3rd agency who bought a bunch of debt. When calling the original credit card issuer. they stated I do not have a balance with them. When trying to contact LVNV FUNDING LLC ( in chat they offer ) I was unable to get any important information, I was ignored, I was not given the original credit card agreement when I requested it. LVNV FUNDING LLC is not a loan company and did not issue any type of credit to me. They have lied saying I owe them when I did not sign any agreements and have not balance with the actual credit card company. I am not in a court battle with this group. This company needs to be held accountable for lying, bullying, and misleading people into paying or garnishing wages over debt they did not give. This company buys " debts '' for pennies ( XXXX : {$500.00} debt, LVNV FUNDING LLC pays {$25.00} ) They sue people stating they owe $ XXXX 's fees when they are not owed anything. I do not owe LVNV FUNDING LLC anything and I am being harassed, missing work when my kids needs to be taken care of, due to the lies of this company.
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| 08/26/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a notice in the mail around XXXX of XXXX stating that I was to appear in court because I was being sued by a debt collector called XXXX Funding, original creditor XXXX, after I had recently attempted to dispute the negative account multiple times with all 3 credit bureaus.
I submitted my answer letter to both the court and the debt collector, requesting validation and proof of the debt. I received a notice from the court stating that they needed more information from the debt collector before they could proceed with the case and allowed so much time for the creditor to submit proof. LVNV FUNDING Corp. failed to provide this information and the case was dismissed by the court in XXXX of XXXX failure to prosecute with due diligence. In my initial response I requested that this negative debt be removed from my credit reports. As of XX/XX/XXXX it was still showing up. I went back to the courts to make sure that the case was actually dismissed and closed and they assured me at that time that it was. I then contacted all 3 credit bureaus and initiated another dispute against the creditor and mailed the debt collector a certified letter with copies of the court papers received showing the dismissed case and again requesting the removal of the account from my reports. A few days later I began receiving multiple letters in the mail from the debt collectors own debt collector and the whole thing appears to be reopen again under the creditor name of Resurgent/LVNV FUNDING Corp .
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| 08/18/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The company forged my initials for a judgement and filed with the court. The violated my personal data. They do not have my whole social security number they are a debt buying company that only has last four digits as social security and has filed judgement and collected money from my pay check off false allegations. They can not provide a through review of transaction history of an agreement between me and them. I called the company and spoke to several advocates no one could properly identity me. I do not go by that name. they could not furnish a proper case number for my case to be identified. They submitted false documents saying they served me at a certain address in 2022 which was not true the description of me is invalid and they can not properly validate the debt because they can not provide proof of my identity. They do not have photo identification of no sort nor the documents proven the collection of debt was sufficient. They do not have valid telephone numbers nor any supporting documents. Under purge of law of TX debt buyers must supply sufficient documents and prove the amount is owed to them by producing statements of the transaction on the account they say I owe. They have violated my rights by using the last 4 digits of my social security to try and validate a debt owed. The have violated public law 95 109, 15 us code 1692g violated FCRA law for not providing details and actual charges and purchases to validate account. section 1692g ( a ) ( 3 ) was not followed.
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| 06/18/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2020, I noticed I received a tradeline on my Credit report from LVNV Funding, LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/20. Ive obtained all receipts and signatures that my letter was accepted by the agency.
By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/2020 and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
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| 01/20/2017 |
Yes |
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- Incorrect information on credit report
- Account status
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Web |
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XX/XX/XXXX I learn of a collection being reported by PINNACLE LLC C/O RESURG. Not having any business with them I call to learn what it 's about and after multiple calls the only thing I learn account was sold to XXXX. So i call them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced PINNACLE to reveal a supposed original debt with XXXX XXXX. Now after this investigation information about the account is being manipulated such as open dates etc., to extend reporting. Also this closed account is now reported in a manner to reflect as a new delinquency each month to cause further damage to my credit. XX/XX/XXXX I did establish service and purchased multiple phones at retail price since from day one I did not receive adequate phone service. First i was told a phone with external antenna was needed and then even more powerful phones even though I was within a good coverage area. Later after diagnostics i was told that there were issues with the cell towers and service tickets were issued all this continued for years. Finally i was told repeatedly by customer service reps, " XXXX is not for everybody ''. So being fed up i cancelled service having paid all monthly charges and fees.
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| 06/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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Please Review court notes here- XXXX XXXX XXXX XXXX=XXXX XXXX XXXX XXXX XXXX I was notified of this debt sometime last year or the year before. I have been continually disputing it as I have no reccolection of the debt what so ever. I tried to contact the company LVNV funding numerous times via email - and I have the documentation to prove it via email. They claim that I owe money for a credit card debt to XXXX XXXX XXXX. XXXX XXXX XXXX is still sending me mailings all the the time to accept their credit card offers. I have asked them to stop over and over again.
They took me to court our first hearing was XX/XX/2021 - where the judge had let them know that they needed to send me paperwork. I have called and left several messages and emailed their office - with no response.
Today we had court again - they have not proven the debt and had failed to send me any documentation in the last 30 days - I requested to the judge that it be dismissed and he said " that is not going to happen today '' - I am not sure why this is not in the court notes.
Under the Fair Debt Collection Practices Act ( FDCPA ) - a collector only has 30 days to send paperwork - if they fail to do so then they can not collect any futher.
Today the judge gave them 30 more days. After I requested it to be dismissed, which are against my rights.
This is the information to the law office trying to collect the debt for LVNV funding.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA, XXXX, MN XXXX XXXX
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| 09/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
LVNV Funding LLC attempted to sue me for a debt originating from XXXX XXXX XXXX in XX/XX/XXXX. I called to pay the debt to prevent a judgement on my record. I was told I had to now contact the Law office the contracted to handle the lawsuit. I called XXXX XXXX XXXX on XX/XX/XXXX to pay the debt. I was offered a settlement in full of {$500.00}. I accepted only after I asked if they were permitted to offer settlements on behalf of LVNV and they said yes. They also stated that this debt would be cleared and could not be sold or collected on after this payment and would be dismissed in court. There calls are recorded therefore proof of this conversation can be obtained.
I paid the debt right thenXX/XX/XXXX via check by phone ( see attached cleared check ). I received a letter from XXXX XXXX XXXX stating this debt was settled in full ( see attached letter ) onXX/XX/XXXX. I have waited for my reports to update and now LVNV is reporting that I still owe this debt in the amount of {$270.00} the difference of the settled in full offer I paid. They are reporting this amount to XXXX and XXXX and are still reporting the full amount owed of {$770.00} to XXXX. I have tried contacting them with no avail. This debt was paid and to be removed according to they law office they contracted to sue me. I will still have to appear in court onXX/XX/XXXX to make sure they actually dismiss this case, because now I believe they will still try to obtain a judgement due to their wrong collection processes.
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| 06/18/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Subject : Dispute of Collection Account on Credit Report Dear Sir/Madam , I am writing to dispute the presence of a collection account on my credit report under my Social Security number , which is attributed to LVNV Funding LLC . According to my credit report, this collection account is negatively impacting my credit profile.
I have previously requested copies of any documentation associated with this account bearing my signature. However, LVNV Funding LLC has refused to provide me with the requested documentation. In the absence of any such documentation bearing my signature, I am formally requesting that you immediately delete this information from the credit file maintained under my Social Security number.
I want to emphasize that as a consumer, I have the right to request and receive verification of any debt that is being reported against me. It is imperative that LVNV Funding LLC provides the necessary documentation to validate this debt and substantiate its accuracy.
I kindly request that you initiate a thorough investigation into the validity and accuracy of this collection account. During your investigation, I expect that you will provide me with copies of any documentation that supports the existence of this debt, including documents bearing my signature.
The letter they sent me is showing another collection agency called Resurgent Capital Services, and I received an email from XXXX, which one is the correct collection agency.
Thank you for your cooperation.
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| 10/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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LVNV Funding Account # : XXXX /LVNV Funding LLC Account # : XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. I have recently been informed that there is TWO negative claims reported by LVNV Funding Account # : XXXX XXXXLVNV Funding LLC Account # : XXXX for the SAME account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$260.00} Charge-Off on with major inaccurate information and it is affecting my report. How is this accurate if the term duration is inaccurate, no reported monthly payment amount, date opened is inaccurate, the account type is inaccurate, credit limit amount is inaccurate, past due amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I am now formally requesting method of verification according to the XXXX XXXX Compliance standards. Any automated response, or XXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by LVNV. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.
Certified Mail USPS Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THIRD AND FINAL NOTICE BEFORE LAWSUIT IS FILED!!!
Accounts : # XXXX, # XXXX, # XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!
You are sending correspondence to my home calling and harrassing me repeatedly about debt that is mine, and which you also don't have permission to collect on. All notices I've have sent have been ignored and is causing me grave emotional stress. I will be seeking {$1000.00} per each FRCA violation.
|
| 07/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
|
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I 've sent numerous request to this company via certified mail requesting proper validation for a debt that they claim I owe them. Each time the company has ignored my request for validation and sent me a summary of a bill. I have with the company that the FTC opinion letter on itemized bill. However, they have yet to provide me with any documentation showing that I have any type of agreement between me and the company. Furthermore, when I first contacted this company with my dispute, they failed to mark it disputed with the credit bureaus with the allotted 30 days as required by the FCRA & FDCPA. After doing research with the court systems on this company in my state, which is Texas, I found that this company have had many complaints filed against them, and have bought suits against many consumers without having a " consumer agreement '' stating that money is owed to them by the consumer. I have also requested a copy of such agreement from this company, and I have been ignored. I am not obliged to pay a debt buyer who ca n't validate a debt properly or fail to communicate properly. This company is known for using bullying tactics on consumers in order to scare them into paying a debt that they do n't owe to them. I am attaching copies of my correspondence with them, and their response that they have continued to send me. Please be advised that the copy of their response that you are receiving is what they have continued to send to me ignoring my request for other information.
|
| 10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX notified me regarding RESURGENT RECEIVABLES LLC that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX was never my original creditorXXXX XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of f {$2100.00} or any such amount. There is no debt owed to XXXX XXXXXXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX
XXXX failed to produce any documented evidence of how RESURGENT RECEIVABLES LLC a Debt Buyer Account is owed a past due amount of {$2100.00} for a debt owed to XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX
RESURGENT RECEIVABLES LLC is listed on my credit report for a Collection balance owed for a debt to XXXX XXXX XXXX XXXX as the original creditor that is an error.
XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and RESURGENT RECEIVABLES LLC remains in direct violation of The Fair Debt Collection Practices Act.
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX of XXXX, XXXX XXXX XXXX Voluntarily closed 2 of my accounts a visa and a mc that were in good standing with low balances. I was trying to make a payment and then agent overseas didnt want to take the payment from another bank account. She he said well its done. 30 Minutes later I received an email saying that they apologized that I wanted to close my account. I called back and they told me it was too late i cant open it back up.
They put on my credit report right away, I disputed the account and they found that the company voluntarily closed account they removed. LVNV added the account back to my credit file. I disputed. Credit bureaus keep coming back saying verified, when it was not. It cant be verified because on XXXX its listed as XXXX XXXX XXXX XXXX on XXXX and XXXX it listed as LVNV Funding LLC.
I disputed again, Credit stated that once again it was verified, but at the bottom says verified from last inquiry.
I called in XXXX, no help. Called XX/XX/XXXX and told them to verify my debt. They mailed me to pages that just had a current amount, but nothing was itemized. I called again in XXXX to verify, they sent me a bill from XX/XX/XXXX that had revision to kinda match the price that they wanted me to pay.
I advised them that I need the bill from XXXX when it was first closed. They refused. I called XXXX XXXX XXXX directly and was told that they can not help me.
Lately I started receiving email, stating that they are going to forward to the local attorney.
|
| 04/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
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LVNV FUNDING, INC and their attorney got a judgment which is the result of identity theft and it was uncollectible because it was past the statute of limitation. A relative took out a credit card in my name. I paid it about ten years ago by phone and thought that was the end of it. LVNV through their lawyers, XXXX XXXX in XXXX XXXX got a judgment although they knew the debt was old and uncollectible. of course, the Judge took their side because that's what a corruptible judicial system does. I tried to tell them it wasn't my debt and besides that it had been paid by them collecting a payment more than a decade ago. i also had someone tell the Judge that I had an email that stated that the email was too old. I do not owe LVNV anything and I do not see how they can collect on this debt. The collection attorneys they have are the worse. Not only that, they are well connected, getting judgements on people everyday. You need to investigate them and their antics for the sake of hard working consumers like me who are being railroaded by big corporations who buy old debts for pennies on the dollar. it's unfair for me to be a victim of identity theft, pay the bill and then get a judgment against me for an zombie debt. It is so unfair I am crying all the time about this because there are people out there who are just horrible people and take advantage cause they can. I do not have any more money to pay lawyers but I will not give up because I do not owe this and I can not let them win
|
| 07/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I recieved notification from a collection company for a retail ( XXXX ) account that I did open, apparently it says it was opened in XX/XX/XXXX, I DID NOT open any new account with XXXX. In XXXX of XXXX I enrolled in a debt relief program XXXX XXXX and 7 accounts were enrolled at this time, i ended up paying off one ( XXXX ) in XX/XX/XXXX, which left 6 remaining accounts, 1 which was a XXXX account, different account number, opened years ago. My credit report showed a collection for ANOTHER 2nd XXXX account that does not being too me, I've never paid to a second account, I have XXXX statements from MY account and the account number is not the same, my account # is XXXX balance of {$1700.00}, I did not open a second account which I believe this is a fraudulent account/identity theft. At no time did I open a 2nd XXXX account. I put a dispute in with XXXX and the collection agency, even the told me that is very unusual to have two accounts for the same store. I expressed to them I did open that account. The balance is over {$2200.00} account # XXXX, which I did not charge or open any additional accounts with XXXX since enrolling in the debt relief program in XX/XX/XXXX. I've been working very hard to get my credit scores back on the up rise since. I will attach any documents I have pertaining to this but again this is not my account nor my debt. I am attaching the collection information as well as MY ONLY XXXX ACCOUNT I HAVE AND IT'S ACCOUNT NUMBER. Thank you, Please assist.
|
| 06/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/2018 I contacted LVNV Funding, LLC by certified mail in regard to info that they had sent to me in response to my request for validation for the XXXX account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last month I reached out to the bank they say is the original debtor and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus as I have been doing for years but they said that its already been disputed and they will not look at it again. Then a few weeks ago I received a letter from a company called XXXX XXXX XXXX XXXX, XXXX indicating that their client LVNV Funding LLC authorized them to offer me a settlement on a debt that LVNV has not been able to validate nor have they provided any of the information that is necessary by law that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to correctly and legally validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase a home and be given other credit opportunities.
|
| 12/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
LVNV Funding LLC is in violation of 15 USC 1692g validation of debt : they violated my consumer rights for failing to follow dispute procedures they reported and alleged debt on my consumer report without sending me written notification allowing me to dispute the alleged debt and for them to validate it. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act, LVNV funding LLC willing fully and knowingly reported false and misleading information to my consumer report. They reported the information on my consumer report under fraud to extort money from me and defamed my character without validating the alleged debt. They assumed the debt was valid through hearsay according to the FCRA it says the information reporting must be 100 % accurate how would they know if it was 100 % accurate without doing an investigation, I don't know this company I have never done business with company I don't have a binding contract with both parties ' signature meaning myself and LVNV Funding LLC, with both having equal consideration to obligate me to pay LVNV Funding LLC. They are also in violation of 15 USC 6802 Obligation of with respect to disclosures of personal information. I never gave consent or written authorization for this company to have my personal information according to 15 USC subsection 1028a ( a ) ( 1 ) that is aggravated identity theft LVNV Funding LLC does not have consent or authorization from me to have my personal information.
|
| 10/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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Last year I received a notice from XXXX XXXXXXXX XXXX on past due balance. I called them and asked what this was for. Although, there was a language barrier with the rep and she didn't seem to want to listen to me only wanted to collect the balance owed, I told them to please send all statements regarding this account and contract with my signature that I signed an agreement for this account. They informed me that it was opened on line. I told her by allowing someone to open an account on line without my permission and not verify with me, this was not a valid debt. I never received anything from them, no notices and or calls so therefore I thought they handled the matter in question. When reviewing my annual credit report, I noticed XXXX XXXX charged off the balance and placed derogatory information on my credit report as well as sold the debt to XXXX XXXX XXXX and they inserted a collection account, without validating and without notifying me. I disputed the accounts with XXXX and the result was the debt was validated. It was only validated because they had my personal information without my consent, but did not validate any of the information with me. I contacted my State of Michigan attorney generals office and they informed me that XXXX XXXX XXXX is also dba Resurgent Capital Services. Neither company has a license in the State of Michigan to collect in the State of Michigan. Collection Agents/companies must be licensed in the State of Michigan to pursue a collections.
|
| 10/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Attention : On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX XXXX/ XXXX XXXX regarding a debt collection. The creditor referenced is XXXX XXXX XXXX XXXX ( {$520.00} ). On XX/XX/XXXX, a correspondence was submitted inform of certified letter with Tracking # XXXX regarding validation/verification of debt. ( Please refer to upload ) I have submitted additional correspondence regarding validation on account which yielded any information regarding above referenced company being legally able to collect on debt. ( View Attachments ) On XX/XX/XXXX, correspondence received from collector. ( View Attached ) On XX/XX/XXXX, a correspondence was submitted certified with Tracking # XXXX. On XX/XX/XXXX, XXXX XXXX XXXX attempting to sell collections to XXXX XXXX XXXX while still reporting on all ( 3 ) credit reports. A debt validation letter was submitted to XXXX XXXX XXXX with no response back regarding validation/verification. ( Tracking # XXXX ) On XX/XX/XXXX, XXXX XXXX has XXXX XXXX XXXX XXXX, XXXX attempt to collect on a debt which they are appearing on my credit report. On XX/XX/XXXX, a certified correspondence was sent to XXXX XXXX XXXX XXXX XXXX ( Tracking # XXXX ) The above referenced collector failed to provided valid claims to collect on debt by providing documentation. XXXX XXXX continue to sell debt while reporting on credit profile. I have sent numerous letters to credit agencies and collectors regarding this matter and the negative entry remains on profile.
|
| 05/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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Received written correspondence from Resurgent Capital Services dated XX/XX/XXXX, regarding collection of a non-specified debt. Responded by USPS Cert Mail/Return receipt/adult signature postmarked XX/XX/XXXX challenging validity of collection attempt, requested under FDCPA no further communication with me or 3rd party, etc. ( documentation is provided within this complaint ). Return receipt signed and stamped acknowledgement of same by Resurgent on XX/XX/XXXX. ( documentation being provided within complaint ) In violation of FDCPA, I received correspondence dated XX/XX/XXXX, from Resurgent alleging I had " requested '' a response. Impossible due to the statement contained in paragraph above.
Responded to this XX/XX/XXXX communication again restating request to not further contact me or any 3rd party, etc. etc. Sent USPS Cert Mail/Return receipt/adult signature postmarked XX/XX/XXXX. Return receipt signed and stamped acknowledgement of same by Resurgent on XX/XX/XXXX. ( documentation is being provided with this complaint ) On XX/XX/XXXX, I accessed my deceased husband 's post office box in another city. I was shocked to discovery correspondence dated addressed to him from Resurgent regarding this attempt at collection. Not only is he deceased and was an attorney I gave no information to this company about him nor any indication that he represented me in this matter. This is a clear violation of my written requests under the FDCPA.
Therefore I am filing this complaint.
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| 05/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Resurgent Receivables LLC is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX XXXX as the original creditor to XXXX and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time.
I previously disputed this same Collection to XXXX regarding Resurgent Receivables LLC reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX XXXXXXXX as the original creditor. XXXX removed the Resurgent Receivables LLC erroneous and inaccurate Collection account.
I hereby further dispute Resurgent Receivables LLC pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
Resurgent Receivables LLC is not my creditor.
I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor.
I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.
|
| 11/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof.
Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
|
| 09/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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The previous reply from LVNV/Resurgent ( XX/XX/XXXX ) via CFPB Case # : XXXX states : The Account originated on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX The Account charged off on XX/XX/XXXX with a balance of {$5200.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$5200.00}.
Yet in the Court complaint states : 8. Upon information and belief, the statute of limitations for the cause of action asserted herein is 3 years and therefore has not expired.
12. The last payment to the Account was on or about XX/XX/XXXX in t h e amount of {$5.00}.
LVNV still hasn't responded to my debt validation request or provided : 1 ) The original, executed credit agreement and all amendments.
2 ) All documents related to proof of mailing of statements.
3 ) All information and documents relating to compliance with XXXX. Admin. Code XXXX, XXXX XXXX.
4 ) All documents related to reporting made to any consumer reporting agencies.
5 ) All documents relating to any dispute concerning the validity of the alleged debt.
6 ) All documents relating to cancellation or termination of the agreement.
7 ) All information and documents relating to acquisition of the alleged debt, including, without limitation, executed copies of all assignments/transfers I would like answers to the above before pursuing legal action against LVNV & its attorneys for lying in court proceedings and all costs/damages related to this lawsuit.
|
| 05/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I am disputing the information being reported by LVNV Funding LLC on my credit report. I contacted them asking that they please provide documentation of the alleged debt. My attorney contacted them asking the same. The company refused to provide any documentation showing the debt, amount of the debt, contract between myself and the original creditor or any type of documentation. Instead the company replied by asking me to provide documentation of the debt. I provided what was reported in my credit report which is all of the information that I have. If the company is stating the debt does in fact belong to me then they should also have all of the information. My attorney then contacted the collection agency requesting if such documentation can not be provided to please remove the debt from my credit report. The company did neither provide documents or remove the debts. At the time of contacting LVN Funding LLC they were reporting two separate accounts on my credit report. I was advised that one account showing a total of {$170.00} has since been removed from my credit report.
However, they are still reporting one account showing a total of {$130.00} which I have yet to receive any documentation showing proof the alleged debt even belongs to me. I am again requesting if documentation can not be provided the debt be removed from my credit report immediately. I am included in this dispute the correspondences between my attorney and the Collection agency reporting the debt.
|
| 01/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
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I was issued a credit due to me by XXXX the refund was sent to a closed XXXX cc account. Instead of returning the funds to the issuing company so that they could send me a check, XXXX XXXX sent the funds to a collection agency that they had sold the discharged debt to, PYOD. The debt sold to PYOD was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called P.Y.O.D has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down.
XXXX sold the debt to POYD, who is managed by Resurgent Services and that they are all under the umbrella of Sherman Financial. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including XXXX and all of other company 's names included as I am not sure which ones are considered collection agencies! XXXX sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the XXXX account numbers and balances that they collected in XXXX of XXXX.
|
| 01/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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To Whom It XXXX Concern : I sent a DEBT VALIDATION letter on XXXX accounts that Resurgent Capital Service is trying to collect on XX/XX/2022. I was requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I'd requested to provide me with the following documentation. ( Please read below ) Account # XXXX {$3100.00} amount Account # XXXX {$12000.00} amount Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Payment history.
I received a letter from Resurgent Capital Service with only a copy of a portion to the original contract ( The letter was not certified ) and they did not provide me with the documentation I have requested. Please I'm asking for CFPB to step in and help me with this matter.
|
| 01/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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Resurgent Capital Services phone # XXXX is reporting a collections account LVNV Funding XXXX on my credit report that was closed and paid off through XXXX XXXX XXXX Phone # XXXX. They account is closed and settled The statement settlement amount accepted by the creditor XXXX was {$340.00}. ( 3 ) payments of {$110.00}. The first payment was made to XXXX and cleared on XX/XX/XXXX check # XXXX and the 2nd payment was for {$230.00} through phone transfer made to LVNV Funding XXXX now listed under Resurgent Capital Services on XX/XX/XXXX and cleared on XX/XX/XXXX. There was a problem with the settlement due to the account being sold to LVNV Funding XXXX in the middle of the settlement. XXXX XXXX XXXX payment processing team reached out to Resurgent for LVNV Funding XXXX debt to honor the payment and they did which is why the payment was made later because of the transition from XXXX. I have contacted Resurgent several times and told them that they account was settle. I faxed them the settlement letter provided by XXXX XXXX XXXX that shows the settlement payments for a total of {$340.00}. Resurgent Capital services keeps reporting to the credit bureaus that the collection account is still open. They asked for proof of cleared payments and I faxed them the statement, but they are not closing the account. Resurgent Capital Services has been reported as a problematic unfair company abusing consumers. I have researched online and found a lot of negative information about them.
|
| 11/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XXXX, I initiated the debt validation process by sending my initial request via regular mail to LVNV Funding LLC XXXX Subsequently, I sent two additional debt validation requests via USPS Certified Mail with Return Receipt Requested, each with a unique mailing request number. The tracking numbers for these certified mailings are as follows : USPS Certified Mail Mailing Request # XXXX USPS Certified Mail Mailing Request # XXXX As per the FDCPA, LVNV Funding LLC is legally obligated to respond to my requests for debt validation within 30 days of receipt of the request. However, I have not received any proper validation of the debt in question or any response from LVNV Funding LLC. This lack of response is in direct violation of my rights as a consumer and my rights under the FDCPA.
I would like to remind you that the FDCPA requires debt collectors to provide verification of the debt and the name and address of the original creditor upon request. It is disheartening to note that LVNV Funding LLC has not complied with this statutory obligation, and as a result, I am left with significant concerns about the validity of the debt in question.
I am now left with no choice but to report this issue to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and action. The CFPB is responsible for ensuring that debt collection agencies comply with the FDCPA, and I believe it is necessary to involve them in this matter to address these violations promptly.
|
| 06/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Resurgent Capital Services Tel : XXXX ; Fax : XXXX sent me a notice that I owe Original Creditor XXXX XXXX XXXX {$660.00}. The current owner is now LVNV Funding LLC with Account XXXX XXXX. I have never done business with XXXX XXXX or LVNV Funding LLC . I wrote to them and told them the debt was not mine and asked for details or proof. They wrote back saying it was up to me to provide them with "... information detailing the nature of the inaccuracy along with any supporting documents to the following address ; Resurgent Capital Services XXXX. Attention : Correspondence Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. I called them and told them verbally ( XXXX time ) the debt was not mine and told them I can not give them any details because I do n't have any details or knowledge about this debt. Subsequently, they sent me written correspondence that my dispute of this account " appears to be duplicative '' and a notice that reads, " Please be advised that we will not continue to respond to duplicative requests for additional information. Should you desire to pay on this account, please contact us... '' The debt is not mine and I thought debt collection companies must provide proof of debt not just say they have verified it and not give you any information or detail? I wrote to them again asking for details and proof so I could present to my attorney to deal with them, but they say it is not up to them to provide details. They say it is up to me!? Please help.
|
| 10/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Around XX/XX/, I submitted a debt validation request, which was received and acknowledged by someone at the offices of Resurgent Capital.
This address had previously been confirmed through prior correspondence with the company. According to my records, I made the following requests, with a specified deadline of 15 days : 1. Details regarding the amount claimed to be owed by the Respondent. 2. A breakdown explaining the calculation of the said amount. 3. Copies of any documents that demonstrate my agreement to pay the alleged amount. 4. Identification of the original creditor. 5. Confirmation that the account is still within the statute of limitations ( SOL ) period. 6. Proof of your status as a licensed debt collector. 7. Evidence of your license numbers and registered agent. 8. The original contract bearing a wet ink signature. However, despite the aforementioned date, I have not received any communication from your agency or company. As per my notice, if your agency/company fails to respond to this debt validation request within ten ( 10 ) days from the date of receiving my notice and affidavit, I insist that all information related to this account be promptly removed from my credit report. Furthermore, a copy of the deletion request should be sent to me immediately, or I will be left with no choice but to pursue legal action. I strongly demand the removal of this information from my credit report, and if necessary, I will not hesitate to take legal measures.
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Bank did not set off the account. Debt has already been taken care of.. violations a.violation of Securities Exchange Act of 1934.
c. an adverse claim found at UCC 8-105 ( b ).
d. violation of 31 CFR 103.35 - FINANCIAL RECORDKEEPING AND REPORTING.
e. violation of 17 CFR 240.15c 1-2 - Fraud and misrepresentation.
f. violationof18USC1956 - Laundering of monetary instruments.
g. violation of 18 USC 1957- Engaging in monetary transactions in property derived from specified unlawful activity.
h. violation of 31 USC 5324 - Structuring transactions to evade reporting requirements.
1. violation of Truth and Lending Act Section 1640 ( h ).
J. violations is Anti-trust laws.
k. violation of the Uniform Deceptive Trade Practices Act.
1. violations in bank fraud.
m. violations in wire fraud.
n. violation of the Consumer Credit Cost Disclosure Act.
o. violation of False Advertising.
15 USC 1692a ( 6 ) ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.
( 15 USC 1692e ( 10 ) by using a false representation or deceptive means to collect or attempt to collect any debt.
15 USC 1692e ( 8 ) by communicating credit information, which is known to be false title 15 subsection 1666 this is a billing issue
|
| 02/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a formal complaint against LVNV LLC located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Debt Collection and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX. and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, LVNV LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 01/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ XXXX ] on credit report To Whom It XXXX Concern, I am writing to request immediate deletion of the following information that appears on my XXXX XXXX XXXX and XXXX consumer report : Dispute 1 On XX/XX/XXXX, I responded to your representative XXXX email asking for validation of the debt specifically the original contract bearing my signature that would indicate that I owe Resurgent/LVNV Funding the debt. I also specified 30 days as a reasonable time for you to do so and requested that you cease all attempts to contact me and to delete all credit additions made to my credit reports.
It has been more than 30 days, you have not responded with any information that indicates that the debt is valid and XXXX, XXXX and XXXX reports have not been updated with this deletion.
Dispute 2 There are no active Licenses of any Collection Agencies in the State of Arkansas for Resurgent Capital Services or LVNV Funding.
CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports.
Thank you for your assistance.
Sincerely,
|
| 10/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Around XX/XX/2023, I submitted a debt validation request, which was received and acknowledged by someone at the offices of Resurgent This address had previously been confirmed through prior correspondence with the company.
According to my records, I made the following requests, with a specified deadline of 15 days : 1. Details regarding the amount claimed to be owed by the Respondent. 2. A breakdown explaining the calculation of the said amount. 3. Copies of any documents that demonstrate my agreement to pay the alleged amount. 4. Identification of the original creditor. 5. Confirmation that the account is still within the statute of limitations ( SOL ) period. 6. Proof of your status as a licensed debt collector. 7. Evidence of your license numbers and registered agent. 8. The original contract bearing a wet ink signature. However, despite the aforementioned date, I have not received any communication from your agency or company.
As per my notice, if your agency/company fails to respond to this debt validation request within ten ( 10 ) days from the date of receiving my notice and affidavit, I insist that all information related to this account be promptly removed from my credit report. Furthermore, a copy of the deletion request should be sent to me immediately, or I will be left with no choice but to pursue legal action. I strongly demand the removal of this information from my credit report, and if necessary, I will not hesitate to take legal measures.
|
| 03/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
During the past month I have disputed the validity of the alleged debt that XXXX claims is due or owed. In my previous complaint I point out the FACT that there was no written notification sent to from XXXX to me after the company XXXX XXXX XXXX said they would cease and desist with collections. So with that and per the FCRA I should have received a written notification that the negative information would be added to my credit file. I have yet to receive this letter from XXXX after the case with XXXX XXXX was closed and before the negative information was added to the consumer report. The issue is that there is no meaningful relationship between the consumer and XXXX. There is no signed agreement by both parties making the consumer legally binding to XXXX. The company also in their response sent company sent copies of a statement which doesnt show what was agreed upon, but only a record of the interest rate that was charged. Sufficient evidence would be a purchase agreement and a sworn statement from the original creditor who has first hand knowledge of the account and transaction ( s ). Also in this alleged account it shows the consumer name spelled as XXXX XXXX. I have no knowledge of that person or spelling of their name as my true name is XXXX XXXX Furthermore pursuant to 15 U.S.C 1692d ( 1 ) debt collectors are prohibited from engaging in any conduct the natural consequence in which is to harass, oppress, or abuse any person in collection of any debt.
|
| 05/08/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The topics you offered did not offer insight into my complaint/issue.
I have a collection agency, who is collecting a debt. I have paid this organization, Cache, LLC now collecting as Resurgent Capital Services, on-time for more than 4 years. I owe as of XX/XX/XXXX - {$13000.00} The original balance was close to over {$19000.00}.
In XXXX of XXXX they reported my debt as derogatory ( I was just made aware as of today- XX/XX/XXXX ) and after speaking to the organization they will not report any timely payments or any information until the balance is paid in full/settled. I have made payments with this organization, as I mentioned, for 4 years+. Why as of XX/XX/XXXX do they decide to report as derogatory 3 years later. What reason, would I now have, for even continuing my payments or settling my debt. I had already sustained the 7 year adverse credit reporting form XXXX XXXX/XXXX, who the original loan is with. Why are they now able to ding me for a derogatory rating for the loan they purchased and that I have been paying on and was already hit for 7 years on my credit. Again, how can a collection agency who is being paid on a loan timely, that took on, hit me for a derogatory rating, when they have been paid timely and I had already been adversely reported by the original lender ; This makes no sense. I was already derogatory with XXXX XXXX/XXXX. I was not derogatory with Cache, LL Resurgent Capital and XXXX XXXX was already on my Credit for over 7 years.
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
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| 06/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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A credit card account for a XXXX $ balance was opened outside my residential/work state under my name with XXXX XXXX XXXX XXXX on XX/XX/XXXX re acct:XXXX.
I found out about the incident on Q4 XX/XX/XXXX and contacted the XXXX XXXX XXXX fraud support line to report the incident. Representatives refused to provide any information regarding the account despite requesting my full name and ssn. I advised them that account was not opened by me and was a result of a stolen identity. They claimed they would take care of it, wrote down my actual verifiable physical address and sent me an affidavit to sign. I signed and returned, and provided an identity theft report reference # XXXX.
I later received a call from XXXX XXXX claiming my account had been sent to collection and that I was required to pay the full amount or would be subject to legal prosecution. I notified XXXX of the situation that occurred with XXXX XXXX XXXX and requested they reach back to the Bank and rectify the situation as well as send me all pertinent information.
I didn't hear back from them until a collector from XXXX XXXX XXXX in XX/XX/XXXX. The stated this account had gone to collections on behalf of XXXX and I advised them of the ID theft report and requested they investigate and resolve the account.
Once again this case resurges with a summons to appear at a pretrial conference regarding the alleged debt, which should have been resolve and removed from my credit report already.
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| 08/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2023 and XX/XX/2023, I filed two Debt Validation Letters for two separate accounts with Resurgent Capital Services requesting them to Prove the Claim and to forward me the proof and following items ; 1 ) Verification that an Attorney read their Notices sent to me on XXXX XXXX.
2 ) Legal authorization that they are licensed.
3 ) Legal authorization that they have jurisdiction on this matter as I am a Michigan resident and they are located in South Carolina.
4 ) A copy of the Application.
5 ) A copy of The Purchase Agreement.
6 ) A copy of the Original Contract.
7 ) Monthly Statements, Purchases, and Pin # s to verify alleged debt.
8 ) Verification of my signature authorizing Resurgent Capital Services to collect any alleged debt.
Resurgent Capital Services have failed to provide adequate documentation to prove the Claim of Debt and simply has only forwarded a copy of an Account Summary that any professional hacker could create or get their hands on. There arent account details or any specific information on the Account Summary they forwarded me.
Resurgent Capital Services are in violation of federal and state laws of 15 USC 1692 where they are mandated by law to provide documentation to prove the Claim.
In phone calls with Resurgent Capital Services regarding this matter their Supervisor and the Compliance Department have told me that they will not provide these documents. The last phone with the Compliance Department was on XXXX XXXX.
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| 10/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XX/XX/XXXX Re : Formal Complaint Against LVNV Funding LLC Dear Sir or Madam, I am submitting a formal complaint against LVNV Funding LLC due to their deceptive collection practices and violations of my rights under the FDCPA and FCRA. Last year, XXXX XXXX XXXX, acting on behalf of LVNV Funding LLC, contacted me regarding an alleged debt, which I immediately disputed via priority mail and email. However, they failed to respond or provide any evidence of the alleged debt. Despite their failure to validate the debt, I recently discovered that LVNV Funding LLC has persistently continued to report the invalidated collection on my credit, which is a direct violation of federal law.
These actions constitute unlawful debt collection practices in violation of the FDCPA and the FCRA, and there is a history of complaints and lawsuits against these agencies for deceiving and abusing consumers like myself. I respectfully request that appropriate fines be imposed and the immediate removal of the invalidated collection from my credit reports.
I have attached copies of my credit reports, the dispute letter, email, and USPS tracking proof to show that they received my dispute for your reference. Your assistance in safeguarding my rights under the law and preventing these individuals from causing further harm to consumers is greatly appreciated.
Thank you for your attention to this important matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, NJ XXXX
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| 04/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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WITH XXXX XXXX BEING THE ORIGINAL CREDITOR THEY SHOULD HAVE ACCESS TO THE INFORMATION TO PROVE THAT THE ALLEGED DEBT THEY ARE CLAIMING BELONGS TO ME IS ACTUALLY MINE. BECAUSE I CAN NOT GET XXXX XXXX XXXX OR LVNV FUNDING TO COOPERATE, I AM ASKING THE CFPB TO HELP SOLVE THIS ISSUE.
I DEMAND LVNV FUNDING FOLLOW THE GUILDELINES OF THE FDCPA, FCBA AND FACTA 312, SINCE THEY ARE LISTING THIS ACCOUNT ON MY CREDIT REPORT AND CLAIMING THAT I OWE THEM AS SEND ME 1. COMPLETE PAYMENT HISTORY OF THE ALLEGED AMOUNT ( VERIFICATION LINE BY LINE ) 2. DATE OF LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT/AGREEMENT WITH MY SIGNATURE 5. PROOF OF IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR ( AGREEMENT STATES THAT DEBT ARE SOLD AS IS.
WITHOUT ALL OF THIS INFOMATION THE DEBT IS CONSIDERED NOT VALIDATED AND I DEMAND THEY DELETE THIS TRADELINE OFF MY CREDIT REPORT. FAILURE TO PRODUCE ALL REQUIRED INFORMATION WILL RESULT IN A LAWSUIT FOR DAMAGES IN ACCORDANCE TO THE FCBA AND FACTA 312, I REQUEST THAT XXXX XXXX XXXX SEND ME 1.COMPLETE PAYMENT HISTORY OF THE ALLEGED DEBT ( VERIFICATION LINE BY LINE ) 2. DATE OF LAST PAYMENT 3.CHARGE OFF DATE 4.CONTRACT/AGREEMENT WITH MY SIGNATURE 5. PROOF OF IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR THEY ARE THE ORIGINAL CREDITOR SO THEY SHOULD HAVE ACCESS TO THIS INFORMATION I HAVE TRIED TO SETTLE THIS WITH XXXX XXXX XXXX AND THEY ARE REFUSING TO PROVIDE ME THIS INFORMATION
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| 12/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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LVNV Funding LLC Account # : Unknown Amount : {$830.00} To Collection Manager : This letter is the second time to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement with my signature and any other supporting document you may have that I have willingly entered into any sort of agreement with LVNV Funding LLC and if or where I agreed to have business with you or paperwork contracted for myself, XXXX XXXX & LVNV Funding LLC. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you.
Unless LVNV Funding LLC can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above.
Thank you for your time.
XXXX XXXX
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| 12/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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|
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit.
XXXX 1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
11. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 This is not mine.
12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
14. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
transunion 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 04/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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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.
|
| 09/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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Amount - {$410.00} / Original alleged creditor was XXXX XXXXXXXX XXXX date XXXX, XXXX XXXX XXXX sold alleged debt to MHC Receivables date XXXX, alleged debt was then sold to XXXX XXXX XXXX XXXX XXXX, then sold to Resurgent Acquisitions LLC C/O Resurgent Capital Capitol Services LP who manages LVNV Funding LLC C/O Resurgent Capitol Services LP who now owns this alleged debt.All illegal third party debt collection from illegal third parties along with XXXX XXXX XXXX are in Violation of 15 U.S. Code ( a ) ( 1 ) accuracy & fairness / 1681 ( b ) Permissible Purpose / 15 U.S. Code 1681 for assertions/ Legal Cease and Desist / Harrassment / Trademark Copyright Infringement were sent to company being represented / never received proper legal NOTICE of debt within 5 days / never received statement informing me they were assuming the alleged debt to be mine / XXXX XXXX XXXX illegally sold debt and received payment of alleged debt utilizing my name and personal information without informing me they were paid in full of alleged debt they transfered for sale illegally/ to illegal third party debt service Resurgent Capitol C/O UNLV Funding LLC without my permission as an unauthorized user reported alleged fraudulent debt to all three credit bureaus XXXX, XXXX, XXXX without legal authority and consent by owner consumer XXXX XXXX XXXX legal interest rate for lending is 16 % .Consumer owner was charged for alleged debt of 27.24 % violated usury laws of New York.
|
| 05/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
|
I sent a request to the collection agency requesting under but the Fair Debt Collection Practices Act, 15 USC 1692g stating I am requesting for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I requested them to provide me with competent evidence that I have any legal obligation to pay them.
I requested the Name and address of alleged creditor 1. Name on file of alleged debtor 1. Alleged Account number 1. Address on file for the alleged debtor 1.Alleged Account number 1. Amount of alleged debt.
1. Date ( this alleged debt became payable ).
1. Date of original charge or delinquency 1. Was this debt assigned to a debt collector or purchased?
1. Amount paid if debt was purchased 1. Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants XXXX XXXX XXXX the authority to collect this alleged debt. 1.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector 2. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor 3. All statements while this account was open 4. Have any insurance claims been made by any creditor regarding this account? They never sent the documents requested and updated the credit busreas stating " Account information disputed by consumer, meets FCRA requirements ''
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I've disputed unauthorized accounts being published on my reports by Resurgent LVNV Funding LLC in XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I have requested the following information : 1.Proof of your lawful authority to collect this debt without my consent.
2. A copy of the original contract between myself and the original creditor, including my ink signature, that demonstrates my agreement to the assignment of the alleged debt.
3. An original contract between myself and Resurgent LVNV Funding LLC with my wet signature.
4. The original purchase agreement establishing my legal ownership of the alleged debt, complete with all terms and conditions included in the agreement.
5. An affidavit signed under penalty of perjury confirming your organization 's compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
6. A verified certificate of authority and proof of your company 's licensure to collect debt in my state, including a valid license number and the registered agent or agent of service.
Sending an account statement of the alleged debt from another creditor does not constitute an agreement between me and Resurgent LVNV Funding LLC. Anyone can create a statement and send it to anyone. That is not a contract.
As of today, I have yet to receive a response from Resurgent LVNV Funding LLC let alone receive legal validation of the accounts being published on my credit reports.
|
| 09/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
( Pub. XXXX XXXX, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX XXXX, 1970, XXXX XXXX. XXXX. )
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| 10/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is my third time reaching out to you and each time you closed my case with no explanation. I have to assumed it was because you was under the impression that I was sent the requested information .I sent several certified letters and several fax to LVNV Fundings LLC and their lawyer 's XXXX and XXXX XXXX explained that since this pandemic the mail service is so messed up so I ask them could they send all bills, validation letters, court papers and even proof that they can collect in this state to send certified so that their won't be he said she said since you kept closing my complaint it means you believe that they sent me the requested information well they haven't but I did get one letter from their investigator that's is full of lies he said he delivered to an address that I never resided at and I went to that address a woman live their for over six years and that vague description fit almost any XXXX male but not me I sent them proof that he couldn't have delivered it to me and because of his lies a default was order against me and every since then I have been trying to get what I need so that I won't have to get another XXXX visit like the one I had in XXXX and now I have another one XX/XX/2021 and since you going to give me that XXXX about 15 days and they can ask for another 30 days which means I'm looking at another date if I don't get what I need if they claim to have sent it then they won't mind sending it again but certified
|
| 09/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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LVNV FUNDING, LLC/RESUGENT states they found no records supporting your allegations, including, without limitation, that LVNV improperly used obscene and belligerent language. However, it is I, whom has been offended by the use of language in LVNV FUNDING, LLC/RESUGENT CAPITAL SERVICES notices and communications. LVNV FUNDING, LLC/RESUGENT CAPITAL SERVICES ) such as " debt collector '', " debt owed '', " collections '' all are words I find offensive. These notices have included several violations of 15 USC 1692 using such words in notices that have my personal information attached. Furthermore, all notices have been received during inconvenient times. Lastly, LVNV, has not validated any contract that I have consented or agreed to with their company.
LVNV has continued to damaged my credit and reputation. This is a violation harming my physical reputation and caused me to loose business opportunities that I am trying to secure.LVNV, FUNDING LLC unlawful attempt to prejudice my security interest and liberties by an action against the XXXX XXXX Estate is injuring and damaging me and is an unlawful trespass and a violation of but not limited to ; Title 15 USC 1692e ( 4 ), Title 15 USC 1692 C ( c ) ( 1 ), Title 15 USC 1692k ( a ) ( 1 ) ( a ) Article 1 Sec. 10 to the Constitution for the United States of America 1791, Nunc Pro Tunc.
I am demanding to remove ( DELETE ) the collections from all three credit bureaus and cease all communications.
|
| 05/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There are 2 accounts included in this complaint. # XXXX for {$410.00} & # XXXX for {$370.00}. I don't know what the status is on both. These collection accounts appeared on my credit report recently out of the blue.account I have no knowledge them it all. Looks like they came from XXXX XXXX and sold to this collection agency. I am filing a claim against XXXX XXXX as well. I received a notice from Resurgent Capital Services. I started cleaning my credit and found that it had already been reported to All credit bureaus. I sent a letter of dispute to Resurgent and XXXX XXXX on numerous occasions for both accounts asking for validation, original account level documentation. Every time what I requested was refused but Resurgent would send me a printout of incorrect information. I have NEVER did business with XXXX XXXX, but Resurgent is making it their business to pin this on me. I wasn't aware of it until I started cleaning my credit. This account is 100 % fraudulent. I have no idea when the original account close because I was never notified of anything from XXXX XXXX. I've even disputed it with All credit bureaus and they all state verified not validated from the furnisher on record.
These accounts were actually with another collection agency. I sent letters for validation and they didn't have it so they sold the accounts to Resurgent. Which I believe is illegal because collection agencies can not buy accounts from other collection agencies.
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| 10/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/XXXX Certified Mail XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Credit Report Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information.
LVNV FUNDING LLC ACCOUNT ENDING IN XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. The original creditor was listed as a XXXX retail credit card. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways.
XXXX previously removed the accounts from my credit file, but I recently discovered this debt is back on my XXXX credit report. As XXXX XX/XX/XXXX, XXXX began to report the account once more on my credit file. This isnt right and the loan should be deleted from my file like it was several months ago.
Please let me know if you have any questions.
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
My name is XXXX XXXX. I am sending this compliant in regards to LVN Funding & Resurgent Capital. All alleged accounts that you are falsely claiming that I owe with no proof that Ive asked for. I contacted both companies which is represented by one company due to the fact that they violated my rights under the FDCPA and continued to harass me with phone calls at unpleasant times of the day and continued harassing me calling family members of mine, also I sent a certified copy of a cease & desist letter so to the harassing and threatening phone calls to collect an alleged debt accusing me that I owed. I sent in several certified documents asking for the companies to prove several things within the FDCPA laws along with the UCC & Constitutional laws which protects a person from harassing debt collectors violating their rights. I would like for the alleged debt be validated by providing the original contract with XXXX XXXX wet signature not anyone other than XXXX XXXX not XXXX XXXX, provide proof of ownership of the alleged debt that you are falsely accusing me of owing. If you cant provide any proof please remove immediately from my credit profile within 30 days or less. I have never opened any accounts or did any business contracting with these companies that allegedly claim I owe for the accounts listed in the attachments below. The date on the accounts are false and knowingly they could face charges under the FDCPA for several violations.
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX, LVNV FUNDING LLC, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau.
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me.
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
|
| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have submitted various complaints regarding LVNV LLC an erroneous item on my consumer report. I would like to point out a few violations that both LVNV and XXXX and XXXX has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of XXXX and XXXX they are as follows.
Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from your credit report.
Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
This is my written instructions to remove the erroneous LVNV LLC account from the credit report and credit file.
|
| 02/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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To Whom it May Concern, I am having an ongoing dilemma with a collection agency refusing to provide me original documentation of an account which they insist is accurate and one which i am certain is not mine.
The company reporting the data is LVNV. They are constantly changing the reporting date of the account, reaffirming the debt to the bureau 's in a malicious way to impact my score and refusing to honor the dispute as outlined in the Fair Debt Collection Practices Act., which states that information under dispute must be provided from an original source so that the account can be reviewed and then disputed for accuracy.
It has come to my attention in my research that LVNV is a debt buyer and one with a shoddy record of compliance, which makes perfect sense but leaves me no closer to a resolution with finality. I am asking for this agency to intercede on my behalf and assist me in my dispute with this debt buyer. I am requesting full information of this debt, original documentation and an affidavit where applicable. The account is not mine and it is my belief that the account is the result of a mixed file. Someone else 's file has been attached to my report in an illegal manner and by not providing the transparency to my consumer rights, I am left to pay for this mistake on their behalf.
I understand that this agency can not act my counsel, however I respectfully request that the CFPB act as a mediator in this regard. Thank you.
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| 04/19/2018 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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XXXX/XXXX XXXX/XXXX XXXX, yes all three have been harassing me over an erroneous account that I have never once even seen a bill for or received anything showing me that this account is mine. I told XXXX XXXX a few months ago to leave me alone after substantial harassment and lack of any evidence of a {$640.00} debt. CFPB you actually investigated this and found my statement to be true and had the credit bureaus remove the account t from my credit report. I was told I would be left alone. Next thing I know a couple months later and this account was sold to XXXX XXXX and now I am being harassed again. I yet again have not ever once received a bill, a statement, or anything from anyone showing this is my account. I am not repsonsible for this {$640.00} debt that keeps popping up In my credit report and causing me me undue XXXX and XXXX. This is not mine!! No one has ever provided evidence this is a real account even so how is that legal? CFPB, this is not right you lied to me and told me this was taken care of with XXXX and now your doing nothing about this debt being resold and readded. There is no difference in this debt and it not being mine from when it was removed when it was owned by XXXX to it being owned by XXXX now. It should be removed just like it was before and I should be left alone. This is a major violation to my FCRA rights!
I seen today that CFPB is under some hot water for leaks within the agency and now I believe it!!
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| 05/12/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XX/XX/XXXX, I pulled a copy of my credit report and noticed Resurgent/LVNV Funding reporting derogatory information about me. I have never done business with this company before and have no idea who they were, so after a couple months of research on the internet I learnt that this company is a third party debt collector and I realize It might have been placed on my report in error by the credit reporting agency, so I sent a dispute to the credit reporting agencies in XX/XX/XXXX and they responded letting me know that Resurgent/LVNV Funding said that the account belongs to me and it was reporting accurately.
At this point I was really confuse, frustrated and angry. I spoke to an acquaintance of mine who told me that there is a law call the fair debt collections practices act and that every third party debt collector like Resurgent/LVNV Funding needs to verify the debt once I request verification.
So on XX/XX/XXXX I sent a letter directly to Resurgent/LVNV Funding requesting verification of the debt.
They responded on XXXX XXXX with a templated response stating that they are collecting on behalf of XXXX XXXX. I do not even every remember having an account with XXXX XXXX. As of the time of me filing this complaint. Resurgent/LVNV Funding is still on the 3 major credit reporting agencies. At this point all Resurgent/LVNV Funding did was further add to my confusion, frustration and anger. They are causing me a lot of stress and XXXX.
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| 09/05/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4200.00} with XXXX XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided documentation that I am obligated to pay for the alleged debt. I have tried to make contact with XXXX and have been unsuccessful with having this debt removed. I have now sent the same information to The Better Business Bureau as well as The Consumer Financial Protection Bureau to assist me. This collection company has never sent information to state that I have gone into contract with them. XXXX passed over the debt to XXXX XXXX XXXX XXXX, however, XXXX officially wrote it off and the debt is discharged. I have never entered a contract or received goods from the collection company therefore their dispute is null and void.
I demand that XXXX removed the negative report against my SSN. Im asking that they send me a updated copy with this collection being removed from my credit. I have attached several documents showing that this collection is being reported on my credit report and XXXX not updating on my report that its being reported by a collection agency.
Sincerely Thank You for Your Assistance, XXXX XXXX XXXX
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| 06/06/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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According to my credit report a loan under XXXX XXXX was originated on XX/XX/2020. The amount owed per Resurgent is XXXX, and per XXXX XXXX I supposedly owe only {$16000.00}. Due to non payment the loan was sold several times, and currently under debt collection agency named Resurgent phone number XXXX XXXX. I contacted both agencies who both agencies who were unable to provide me with proof of ownership for the loan. I specifically asked Resurgent on XXXX if they can provide proof/paper with my signature on it and I was told by them that they DO NOT have that information. I was instructed to reach out the the original lender XXXX XXXX XXXX ) which I did on XXXX. XXXX XXXX informed me they could not supply me with any documentation of ownership and only provided me with account # XXXX. Both my email and social security number were compromised and feel that both parties ( Resurgent and XXXX XXXX ) violated my rights. They couldn't provide me with proof of contract or that they have a right to collect on the debt. I was denied a breakdown of the billing, original ownership of the contract, a signature signed on the contract, and payment history. Neither company could or would provide me with this information. Therefore, I would like to dispute this matter and would like this item removed from my credit due to these laws being broken.
15 u.s.c 1681 ( 602A ) 15 u.s.c 1681 ( 604 ) 15 u.s.c 1681c ( a ) ( 5 ) 15 u.s C 1681 S2 ( A ) ( 1 )
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| 12/15/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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replying to case number : XXXX XXXX XXXX XXXXXXXX is Continuing to break federal law. I never refused to pay but only asked for debt validation pursuant to 15 usc 1692g which was sent to their company, and they never responded with the documents validating this alleged debt. No contract or agreement or anything. When I filled out this agreement I was not informed on basic facts, such as you needed two consenting parties to make an agreement. That I needed to understand what was in this agreement it had to be clearly and conspicuously explained to me to know what I was agreeing to, which they did not do. I was supposed to make an informed decision pursuant to 15usc1601 ( a ). I made an uninformed decision onXX/XX/2021when there wasn't any evidence of indebtedness, the only evidence of indebtedness was the agreement but because it was an uninformed decision that agreement is null and void. The agreement never served as adequate notice because the agreement never set forth those pertinent facts clearly and conspicuously to me where I could notice it and understand its meaning pursuant to 15usc1602 ( k ). XXXX XXXX XXXX then sold my nonpublic information to RESURGENT capital services, and they admitted to purchasing it. These companies have been damaging my reputation by reporting inaccurate information on my consumer report advertising it to the public and I don't know who is seeing it. I am tired of being a victim of these criminal acts
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| 07/17/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This debt is not mine. This was a result of identity theft back in 2019. I was harassed by this collection company multiple times through email so I hired an attorney to help me.
My attorney wrote to them : Dear Sir or Madam : This law firm is legal counsel to XXXX XXXX XXXX XXXX, your account number XXXX. All further communications regarding this matter should be directed to this Firm. This is a disputed / fraudulent debt and has already been reported as such to the numerous reporting agencies which have resolved this matter in our favor many months ago. This bad paper keeps getting passed around.
If you have any paperwork to the contrary showing the debt is still valid and not fraud, please forward same to my attention. Otherwise, I assume you will be letting your client know that no further action shall be taken on this matter.
Kindly be advised of your obligations under the Fair Debt Collections Practices Act. Be guided accordingly.
All of XXXX XXXX 's expressed or implied rights and remedies at law and equity are hereby reserved.
XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX As soon as this email was sent, the harassment stopped but now about 4 months later they have posted this collection in the amount of {$14000.00}. This is collection that stemmed from a loan that was claimed identity theft back in 2019 is now on my credit and affecting my life.
This collection needs to be removed ASAP because it is not mine.
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| 11/20/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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on XX/XX/2018 i noticed a garneshment in my pay in the amount of {$120.00}.
I called hr and was given the phone number to a law office of XXXX, XXXX, XXXX, XXXX XXXX XXXX i was told this was a collection of debt for a credit card from XXXX.
when i told the associate that that debt had been closed more than 15 tears ago, i was told that it had already been before a judge and that there was nothing i could do other than pay the full amount owed. when i inquired what that amount was i was told {$1300.00} plus {$2700.00} in interest and {$120.00} in filing fees for the total of {$4400.00}. i asked how this had already been before a judge when i was never notified of any actions and the fact that this debt was settled over 15 years ago, and that XXXX is no longer in business. she just repeated its already been before a judge there is nothing you can do .since that time the amount taken from my pay has increased and at times been as much as almost {$400.00}. I recently purchased a home and this is causing my a great deal of financial strain. not to mention it has shown on my credit. i pay all my bills on time I have never even gad a late payment on any on my creditors what ever happened to due process? I drove to the court house and asked for copies of all documentation and that is attached. you are welcome to look into XXXX XXXX as I did and well you will see that they are doing this to thousands of people.please help.
XXXX XXXX.
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| 06/26/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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XX/XX/2020 I have requested a copy of the credit application along with drivers license to verify the account. I have not receive the requested information. I have informed them I have no account with XXXX. The only information that I am receiving are statements. I have asked to verify the bank information the account the payments were made and have not received the information. I have mentioned to the company this is not my account I demand a full investigation with credit application, drivers license and the bank account the payments were made.
I have made contact with the company XX/XX/2020 to see what this information is in regards. I have been informed by the rep this is a credit card. I have informed the rep that I never owned XXXX credit card and the rep stated that I was a liar. I have requested the documentation with a copy of the application, copy of my license, and a validation letter but never received the information. The rep informed me that I will be sued if I dont pay the balance in full. The rep mentioned to contact my place of employment which I have asked her the name of my place of employment and she wouldnt tell me. The rep also mentioned that I was an abusive retail liar and hung up the phone after I have asked for her to repeat her name. How do I go by getting the help to report this information and should I seek legal action against the company. LVNV Funding have terrorized my life with the verbal abuse.
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| 09/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
They also violated the law because according to : 15 U.S.C 1681 section 602 A States I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 2.
It also states a consumer reporting agency can not furnish a account without my written instructions.
The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information.
They did not do this!!
Also, they have violated my rights even more.
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
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| 01/23/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Since Im 100 % permanently XXXX and on heavy XXXX, my memory is not up to par however about XXXX XXXX years ago, I received a signed by XXXX XXXX XXXX judge judgement t in favor of LVNV in the amount of {$1300.00}. I was shocked because I was never made aware I had a court appointment. This was done behind my back without my knowledge. Then every XXXX months, Id receive the same letter. Then, yesterday, my bank, XXXX emailed me that a legal hold was placed on my account. After talking to XXXX, they told me that since I am direct deposit XXXX that my funds are protected but they took my XXXX XXXX XXXX daughters money from her high school checking account. She works XXXX hours most days and had {$110.00} dollars. I called LVNV a d they said this was an old XXXX XXXX credit card for {$500.00} but they now are representing XXXX XXXX and they need {$2000.00} to release the lien on my bank account. I explained this judgement was done behind my back and it actually was fir {$1300.00} and he said now more attorneys fees added to it and they will continue to take my XXXX XXXX XXXX money until I pay. The other option is that he will release the lien if I pay {$1500.00} up front. I told him I only have {$940.00} per month on XXXX and my rent is {$870.00}. I ha e to rely on family to help me survive.I get food at food closets. I have no car. Im extremely poor. I need your help please. This is an outrage that LVNV are getting away with this.
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| 11/16/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I received a summons for debt collection from XXXX County Sheriff 's office XX/XX/XXXX saying I owed {$2600.00} which included interest, judgement cost, and attorney fees. It is planning on garnishee my wages from my employer. The hearing is set for XX/XX/XXXX with no time listed. I contacted the creditor ( XXXX XXXX XXXX ) thru the Attorney 's office listed as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX by phone ( XXXX ) XXXX. I spoke with XXXX at first, then she referred me to XXXX XXXX. He stated I had to pay {$2600.00} to them my credit card, check, or debit which will process within 3 days. He stated I owed XXXX XXXX since XX/XX/XXXX. He told me the account number it was opened under. Then he told me the account number I need to pay under. It was 2 different account numbers. I asked for the information of the creditor so I could contact them to resolve the issue, but they wouldn't disclose that. I told them I had no debt in that amount and that I had never heard of such company. He just told me to pay. Then I checked my credit report and there was nothing from that company or in that amount. I received another phone call last night saying I owed another major credit card debt. I have been receiving threatening phone calls saying they will file fraudulent and legal charges against me for this debt. I have since then contacted the FTC and filed a complaint. Now I am filing a complaint with you all.
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| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
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| 09/16/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This letter is regarding account XXXX, which you claim XXXX. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
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| 08/21/2023 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Contacted you instead of your attorney
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Web |
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Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
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| 09/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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This debt collector company is continuing to attempt to collect on an installment loan that I had through XXXX XXXX and paid off completely. They have also reported adverse information to all XXXX credit agencies, and illegally obtained a copy of my credit report, which has had an extreme negative impact to my credit report and score. This action on their behalf is now interfering with my job and my XXXX. I could possibly lose my job and my XXXX due to this agencies reckless collection practices. I have disputed this claim with the debt collector and collection agencies, however, the company still continues to verify that their information is accurate which it is not. They are trying to collect on a five year installment loan that I paid each month on time for the entire duration of the loan. " This was paid in full ''. I do not owe neither XXXX nor XXXX anything, however, they continue to report false information. I have provided them with copies of my credit report that shows I paid XXXX XXXX for 5 years on time, yet XXXX still continues to attempt collection practices.
I have attached XXXX documents from my credit reports. XXXX is from the Collection agency that continues to report negatively even as recent as last month and the other is from XXXX XXXX which reports that this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. It also shows that it was a five year installment loan and was paid with a XXXX balance.
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| 05/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This letter is a response to your correspondent dated XX/XX/2023. You stated, " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' As stated in my first letter 15 US Code 1692 ( G ) ( Validation of debt ) and as amended by adding Title 8 USC 802 et seq. All of which work in conjunction with each other. My rights are still being violated. It has not been thirty days from my first disputed letter I sent certified mail on XX/XX/2023. ( Copy of receipt attached with documents ) According to 15 USC 1681 ( A ) ( E ) " Investigative consumer report '' You have not meet the requirements of the Fair Credit Reporting Act. You haven't sent me any evidence to backup your claim.
15 US Code 1681 ( I ) - " Procedure in case of disputed accuracy '' 15 US Code 1681 ( I ) ( 1 ) ( A ) " In General '' 15 Us Code 1681 ( I ) ( 5 ) ( A ) " Treatment of inaccurate or unverifiable information '' 15 US Code 1692 ( I ) - " Legal actions by debt collectors '' 15 US Code 1681 ( N ) " Civil liability for willful noncompliance '' 15 US Code 1681 ( N ) ( 1 ) ( A ) " Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; '' I've been denied credit cards because of this inaccuracy. Such number of punitive damages. My credit report has to be 100 % accurate and 100 % complete in accordance with FCRA! ( " 15 US Code 1681 '' ).
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| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I am writing in response to your recent communication regarding the debt collection for my account under the name of XXXX XXXX with the account number XXXX.
As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Specifically, I am requesting the following information : The amount of the debt owed The name of the original creditor The date of the last payment made towards this debt Proof of your authority to collect this debt Please note that until I receive the requested information, I am unable to determine the validity of this debt. Furthermore, I dispute the debt for the account number XXXX on the basis that it has been legally paid in full for less than the full balance.
I also dispute the debt for the account number XXXX on the basis that it is seriously past due date and has been assigned to an attorney, collection agency, or credit grantor 's internal collection department. I request that you cease all collection activities until the requested information is provided and the validity of the debt can be determined.
I would also like to request that any communication regarding this debt be done in writing, and that you cease any phone calls to me regarding this matter. Please be advised that any further contact that does not comply with the FDCPA will be considered a violation and I will take appropriate legal action.
Thank you for your prompt attention to this matter.
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| 10/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I sent a verification of debt letter to LVNV Funding on XX/XX/XXXX, and they received it on XX/XX/XXXX, USPS tracking number XXXX. After more than 30 days have passed, I called them on XXXX and spoke with a supervisor named XXXX who claimed she did not have any record of my letter being received, even when it was sent certified with a tracking number, and that she will call be back after they investigate. I was promised a call between Monday the XXXX of XXXX and Wednesday the XXXX of XXXX. Since I have not received any call by XXXX, I called them again and spoke first with a supervisor who was extremely rude and mentioned multiple times she will not remove the collection account from the credit bureau in clear violation of the law and that the verification of debt response was sent to me on XXXX, which is past the 30 days deadline and which I have not received yet, and afterwards disconnected the call. I called again and I spoke with another supervisor named XXXX, who confirmed my original verification debt letter was found and received by them on XXXX and that they responded on XXXX. I once again let them know that even if they sent the response on XXXX, it is still way pass the 30 days deadline and hence they are required to remove the collection account from my credit reports. She said she was escalating this issue with the Disputes department and that I should receive a call back between Monday and Wednesday next week.
|
| 09/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This complaint submission is in regards to a false credit report by LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information reguarding this alleged debt. I then spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through fax confirmation that LVNV FUNDING LLC representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time LVNV FUNDING LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$3100.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting LVNV FUNDING LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. LVNV FUNDING LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
|
| 01/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am currently trying to rent a small apartment with the XXXX XXXX XXXX also I have applied at the XXXX XXXX XXXX and due to the information that was given as a requirement for the rental property I was not I was unaware of all of these issues that is on my credit that is enabling me to lease the space rent the apartment. If you research my credit history and my payment history in the last 20 years you have you will see that I have been outstanding as a homeowner with my home loan as well as the apartment rental that I have been at for the past 4 years at XXXX at XXXX and XXXX Arizona I noticed all of these charges on my credit report and I know for a fact they are fraudulent and my signature if I want any of these contracts is definitely a forge signature I have been with the same mobile device provider for over 6 years and I 've never had any discrepancies with any XXXX XXXX or XXXX all of these other mobile providers I have never had cell phone service or any service with these companies.
I am asking that you do a thorough check and that you will be pursuant to the matter and have this disputed and removed off of my credit as soon as possible I also was informed that the maximum is a 30-day process but XXXX XXXX XXXX stated that you guys can take this off of here within the next 7 days so I 'm asking you to expedite this process and a very fair manner thank you for your cooperation and helping me Rectify this matter.
|
| 05/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
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XXXX XXXX, XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX XXXX as the original creditor to XXXX and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time.
I previously disputed this same Collection to XXXX regarding XXXX XXXX, XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX XXXX as the original creditor. XXXX removed the XXXX XXXX, XXXX erroneous and inaccurate Collection account.
I hereby further dispute XXXX XXXX, XXXX pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
XXXX XXXX, XXXX is not my creditor.
I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor.
I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.
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| 10/11/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XX/XX/2020 I find it appalling that a secondary debt buyer, LVNV Funding LLC, is actively filing lawsuit across state line against people who are struggling under a pandemic with unemployment, health and uncertainty. I will be filing regulatory complaints, forwarding my complaint to national law offices for their review, posting my complaint on consumer advocacy sites ( including social media ) and writing to U.S. Senators ( including XXXX XXXX ) and other government officials of your practices to raise awareness to others of what you are currently doing.
I have never engaged with your company for any request of credit, services or for anything else. I dont know who you people are.
I do not have any responsibility for the debt you are trying to collect.
Because of recent catastrophic personal events, ( including unemployment, personal and family health issues ) I have become insolvent. I have exhausted any available cash/credit to continued payments to any creditors that might be demanding payments on debts they say I owe. At the moment, I am seeking assistance from others to help pay for my health and living expenses and selling personal property of mine for day to day survival needs.
I do not see a radically change occurring in my situation in the foreseeable future. As such, I hereby request that you Cease & Desist on this matter including withdrawing the lawsuit you filed via a XXXX, Texas office XXXX XXXX.
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| 10/11/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
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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.
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| 07/27/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/2019, I received several alerts from my credit monitoring services that an account was reported. To my surprise, LVNV was reporting as a open Factoring company showing 90 days past due as well as a collection. I have never received any correspondence or calls in regard to this alleged debt. I have filed complaints with the XXXX and mailed/faxed/attached to XXXX website a Debt Validation letter. I have sent this document 3 times only to receive a letter from Resurgent advising that they are the servicer for LVNV. Also received a bunch of statements. The letter nor the statements VALIDATED that alleged debt. Who is Resurgent anyway? Why are they collecting for LVNV? The alleged debt was for a credit card that is showing that the debt was sold to XXXX XXXX. Who is XXXX XXXX? Never heard from LVNV, Resurgent or XXXX XXXX and the alleged date was brought in XX/XX/2019, but reported in XX/XX/2019 when I decide to apply for a mortgage to buy a home for myself and kids. And not only are they showing as a factoring company as a tradeline, they are showing as a collection! My credit score plummeted! It seems that they are scamming to collect funds from anyone who will fall victim. These are unlawful practices and I will report this to the FTC and the XXXX ( Again! ). They never validated the alleged debt. I requested this 3 times. They since then closed the tradeline but have yet to remove it from my credit report!
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| 10/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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It was brought to my attention that a closed charge off account that was charged off back in XX/XX/XXXX by XXXX XXXX was now reporting negatively as an open collection account. I am in the process of purchasing my first home and the underwriters wanted to know about the collection account that was reporting on my credit bureau from LVNV Funding LLC in the amount of {$640.00}. I called XXXX XXXX to have a letter sent to me stating that the account was charged off back in XX/XX/XXXX and they stated that they could not do so. Today, XX/XX/XXXX, I receive notification that I have a new negative remark on my credit report and to my surprise, LVNV Funding LLC is now reporting the account as " OPEN '' and that it is an active collection account, 3 years after the account was charged off by XXXX XXXX. This is delaying my ability to get my first mortgage and this company is not willing to send my last statement that I had with XXXX XXXX so I can provide proof that the account was charged-off. The reason for my complaint is because of this company 's deceptive and unethical reporting practices causing the once 3 year old closed charged off account as an open and active collections account. I would like for this " collection account '' to be taken off my report completely due to their manipulative, deceptive, and unethical ways of doing business and for not providing me with my last statement that I received from XXXX XXXX.
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| 06/22/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I spoke with XXXX at XXXX in regards to an incorrect debt from XXXX XXXX. I explained to her that I went to XXXX and they advised me they have no debt for me from XX/XX/XXXX as she had stated. I asked her to send me a copy of the billing information and she stated they do not have a bill, but they only had the amount and date that was sent over by XXXX. I informed her that I spoke with XXXX several times and received a print out of an account that I had which was closed in XX/XX/XXXX. I asked her again for the copy of the bill and she stated she could not send me one because they do not have one.
XX/XX/XXXX, I mailed them a certified letter requesting validation of debt. They replied with a letter stating this was a frivolous request. The letter did not come from XXXX but a company called Resurgent. They sent me the exact same debt collection letter XXXX sent me, just on a different letter head. I have disputed this with the credit bureaus as well and they report the debt has been verified, but it had not been verified to me. XXXX could not produce proof of the debt and their representative, XXXX, verbally stated it as well. She would not provide her last name to me or an extension number. She stated I am the only XXXX in this office.
In addition, in XX/XX/XXXX I lived on property as a site manager. I did not have the need for any of these types of services as they were provided by the company.
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| 02/09/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I do not have a contract with this XXXX I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau XXXX and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
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| 08/04/2015 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I contacted XXXX XXXX XXXX to get a written statement of debt so I could pay it off. The debt was a result of a real estate short sale in XX/XX/XXXX. The HUD agreement was {$5000.00} to include an initial payment of {$2000.00} at closing from the bank and I would make 71 payments of {$49.00}.
Resurgent Mortgage sold their debt to XXXX XXXX XXXX in XX/XX/XXXX. At this time, it seems they failed to include important information regarding their agreement with me and the terms of the settlement.
I contacted XXXX XX/XX/XXXX. My intention was to pay off the debt. According to my calculations, I should only owe around {$1000.00}.
I was told that I owed over {$17000.00}. I explained the situation, even sending them the original Settlement statement and 2 years of bank statements showing payment history.
For the last 3 months I have been calling and attempting to get a settlement statement. I talk to someone different each time and they assure me that I will receive the amount in 5 days. The last call was made on XXXX XXXX, XXXX and the CS agent told me my balance was {$960.00}.
Today is XXXX XXXX which is 9 business days from the last request. The " new '' person I talked to began with the same amount due of {$17000.00}. When he finally looked at the note from XXXX/XXXX/XXXX, he told me that nothing had been done around my request for a settlement statement. At that point, I asked to be transferred to a supervisor.
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| 06/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a collection letter from Resurgent Capital Services for LVNV Funding a junk collection company. They had sent me a collection letter stating that I owed {$1400.00}. I requested a Validation of Debt, NOT a Verification of Debt. The company ignored my requests and had only sent a Verification of Debt. I had informed in my letter that I was disputing the amount owed and that any negative aspect on my credit score would result in legal action.
I received an alert this morning stating that I had received a negative hit on my credit score. My debt has not be validated by the company and my written request that this not effect my credit score has been ignored.
My letter was specific on what I was requesting and although FDCPA does not require the company to give the information, I have only received a Verification of Debt when my letter disputing the debt was clearly requesting a Validation of debt.
As such even the Verification of Debt has not specified the amount owed and the break down of the alleged debt.
Also aside from the debt collection Resurgent Capital had sent a letter threatening legal action and had informed me that my account was already placed on a 6 month legal track period in the first letter which is a violation of the FDCPA regulations. This company is trying to intimidate bully and not provide the adequate information requested and I had informed them that I am disputing the debt.
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| 01/22/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In regards to phony collection practices by LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ( XXXX ) XXXX This information was not provided by LVNV Funding LLC. I had to look this up on the internet. Not once did they send written notice of the debt. By avoiding this step they were able to get a summons which I never received and writ of garnishment. All this and I don't even know what this debt is about. I have no old debt. If so it would be zombie debt and past its statute of limitation. They violated the Fair Debt Collection Practices Act. They are using a proxy " legal '' firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. From whom I have only received two documents in the mail and this only after I contacted them after finding out about the writ of garnishment from my bank. I informed them only that I have no debt. That all debt had been paid in XX/XX/2015which for me was a terrible year with the passing of my mother and having to pay for her funeral out of pocket. LVNV Funding LLC is a company that has many identities and they use these identities to get individuals to pay for the same debt over and over again. They are fraudulent and anyone associated with them is suspect to me. They are being investigated for violating collection practices acts. Although LVNV Funding LLC initiated the procedure I have yet to receive anything in writing from this dummy corp.
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
THIS IS A MONKEY SEE MONKEY DO LIE BECAUSE XXXX DELETED/REMOVED THIS ACCOUNT, AND SO DID XXXX RECENTLY IN 30 DAYS BECAUSE WHEN I DISPUTED THIS ON MY XXXX CREDIT REPORT. XXXX XXXX XXXX OVER WHERE THIS WAS PUT IN COLLECTIONS IN ALL THREE CREDIT BUREAUS WHO HAD TO FIGHT, DISPUTE GRIEVIOUSLY TO GET THIS REMOVED/DELETED. I AM SAYING THUS TELLING, THAT THIS ITEM NEEDS TO NOW BE PERMANENTLY REMOVED FROM MY XXXX CREDIT REPORT ESPECIALLY ON THE COLLECTIONS SIDE FOREVER. THE ACCOUNT IS TOO OLD FOR ONE WHERE ALL IT DID WAS RUIN MY CREDIT SCORE OF XXXX XXXX XXXX XXXX FROM XXXX, AND XXXX XXXX WHO GIVES OUT YOUR FREE SCORES RELATING TO XXXX, AND XXXX. XXXX XXXX REMOVED XXXX POINTS, AND XXXX POINTS OFF MY CREDIT REPORT DUE TO THESE COLLECTIONS, AND NOW THEY ARE DELETED/REMOVED FROM THOSE CREDIT REPORTS, AND NOW XXXX NEEDS TO REMOVED THIS INACCURATE DEPICTION OF AN ACCOUNT OFF MY CREDIT REPORT BECAUSE ONCE AGAIN ALL MY XXXX LOANS IS PAYS AS AGREED, AND WITH ONE PAST CREDIT CARD & STORE CREDIT CARD , WHICH HAS A XXXX BALANCE ON THEM. NOW I HAVE A FREAKING XXXX ON XXXX LOSING XXXX PLUS POINTS OR MORE WHERE MY BANK SAID MY XXXX WAS AT XXXX XXXX XXXX, AND NOW BETWEEN XXXX, AND XXXX I GOT A XXXX, AND A XXXX, WHICH IS A BUNCH OF XXXX WHERE ALL MY CREDIT SCORES SHOULD BE WELL OVER 700 PLUS.
XXXX Total balance : {$450.00} LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$450.00} Balance updated XX/XX/XXXX XXXX
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| 01/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report.
Collection Creditor : LVNV FUNDING LLC Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$750.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$720.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verifXXXX & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is.
Thank You Sincerely yours,
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| 08/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I got a card in the mail that a order of default was entered on XX/XX/2021 with no info for the reason why this happen only thing that's on it is Judge XXXX XXXXXXXX XXXX case # XXXX XXXX so I sent the plaintiff so far six certified copies starting on XX/XX/2021 requesting all and any bills, validation letters and any court dates to their lawyer XXXXXXXX XXXX XXXX XXXX and to the plaintiff it's been over a month and they haven't sent me the info I asked them for I went to small claims court to see if they can help me find out who's suing me they printed out a letter showing CIVIL ELECTRONIC DOCKET there was no information showing who was suing me only thing on it was a case number and the debt collectors and their lawyer so I was told to file a motion to set aside the default order which was granted so I sent them both copies to show that we have a XXXX visit on XX/XX/2021 at XXXX XXXX how am I supposed to prepare my case if I don't know what's going on so I fax and mail the same info last week and I was going to keep doing it until I get it but since the XXXX visit is Friday so what can I do as far as them sending me what I need can I sue them for not sending me the papers so that I will have time to prepare just in case because right now I have no income coming end my wife gets a XXXX check after the bills are paid on there's nothing left for counsel I tried legal aide but no one has call reach out to me
|
| 06/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I received a collection letter from Resurgent Capital Services for LVNV Funding a junk collection company. They had sent me a collection letter stating that I owed {$1400.00}. I requested a Validation of Debt, NOT a Verification of Debt. The company ignored my requests and had only sent a Verification of Debt. I had informed in my letter that I was disputing the amount owed and that any negative aspect on my credit score would result in legal action.
I received an alert this morning stating that I had received a negative hit on my credit score. My debt has not be validated by the company and my written request that this not effect my credit score has been ignored.
My letter was specific on what I was requesting and although FDCPA does not require the company to give the information, I have only received a Verification of Debt when my letter disputing the debt was clearly requesting a Validation of debt.
As such even the Verification of Debt has not specified the amount owed and the break down of the alleged debt.
Also aside from the debt collection Resurgent Capital had sent a letter threatening legal action and had informed me that my account was already placed on a 6 month legal track period in the first letter which is a violation of the FDCPA regulations. This company is trying to intimidate bully and not provide the adequate information requested and I had informed them that I am disputing the debt.
|
| 10/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Older American |
|
What led me to start filing these complaints is that I was mailed a collection debt from a law firm. I'm not computer savvy to apply for any credit cards online. If I were to apply for any it would be in person at my local bank. So I filed a complaint such as this one with the Law Firm. Moving on as I was able to check my credit report and noticed more collections. On XX/XX/2018 a collection was opened and to make a record I never got any notice in the mail of the debt from LVNV Funding LLC for a XXXX XXXX account in the amount of XXXX. I'm almost positive that my half brother was the one that applied for these cards in his name. I'm XXXX and my health isn't all that great and I'm XXXX XXXX XXXX and going through XXXXXXXX XXXX and not able to work nor take care of myself. I rely on my youngest son XXXX XXXX who I'm giving permission to speak on my behalf. I'm not able to deal or handle the stress this has caused me. Understand there are multiple accounts for LVNV that I have another XXXX XXXX for XXXX, XXXX account for XXXX and XXXX XXXX XXXX for XXXX that I didn't apply for. I've attached a ID theft report that I filled out. Also attached my front and back driver license 's number for verification. And not proud of this but my son has a trouble past and attached an old mugshot. And attached an income verification form. As you can see I'm below the poverty level and don't make much money while being sick.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I disputed a debt being reported on my credit report and instructed XXXX that I am not familiar with the debt, the company reporting the debt ( PYOD LLC. # XXXX ) and have not done business with the listed original creditor XXXX XXXX.
I requested an investigation into the incorrect information and requested some form of signed documentation that the account being opened in my name and social security number had been authorized by me. I did not receive any form of documentation from either XXXX, PYOD LLC. or XXXX XXXX, I do not feel this request is exceeding my legal rights under federal law, if no one produces documentation, then what prevents a company from falsely claiming a debt is owed and just reflecting it on your credit report.
I would like to have any signature obtained supposedly authorizing the original account to be opened, examined by a professional recognized by the XXXX XXXX Nebraska XXXX XXXX, as I did not authorize an account be opened and I want to have the signature compared to my years of signatures.
They failed to obtain documentation and only informed me that the debt had been verified as accurate and never produced documentation to substantiate the claim that the debt was/is valid.
My next step if it is not corrected thru this process will be to file a complaint with the F.T.C. for the failure of XXXX to maintain only 100 % accurate information within my Credit Reporting File.
|
| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Lvnv funding llc account # XXXX {$26000.00}. Lvnv funding llc account # XXXX has violated my rights. By adding collecting accounts of fraudulent accounts thats been removed from my credit report at the making police reports with this company. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Chapters. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
|
| 01/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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In XXXX I became aware of a debt collection on my credit report from LVNV Funding in the amount of {$990.00}. I was not aware of this debt and did not know who this company was.
I submitted a dispute with each of the 3 main credit bureaus. Stating this account was not mine. These debts each came back as verified without any notice to myself. Because I did not receive any information I disputed this item a second time. Agains this came back verified without any documentation to myself showing the validity of the debt.
In mid XXXX I hired XXXX XXXX to help me dispute this item. After they began their disputing. I did finally get a letter from from LVNV funding showing that they own a debt on my name from XXXXXXXX XXXX XXXX. They also submitted a copy of an old billing statement showing my name.
I have never had an account with XXXX XXXX. So I did some research and found that at minimum a a debt collector must show validation through a signed dosimeter by me showing that I agreed to pay this debt. A simple old billing statement does nothing to prove that I owe a debt. As this information can simply be false.
I have attempted to dispute this item further and have been denied by the credit bureaus because I have no additional information. When in reality the debt collector doesnt have sufficient evidence that I actually owe the debt. Even after I have expressly stated this information to be inaccurate.
|
| 09/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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In XX/XX/XXXX the debt from XXXX XXXX XXXX had started being collected. XX/XX/XXXX : {$25.00}, XX/XX/XXXX : {$31.00}, XX/XX/XXXX : {$45.00}, XX/XX/XXXX : {$47.00}, XX/XX/XXXX : {$52.00}, and XX/XX/XXXX : {$52.00}. A total of {$250.00} for the hardship payment plan. Each of those payments were made and that completed the relationship I had with the company, or so I thought. In XXXX of XXXX they reported to my credit that I had not paid them and owed them money. I did not noticed this change to my score until XXXX. They called me and said I owe them and requested to speak to a manager. XXXX, said manager, claimed he could see my payments and will be updating my account. I waited a few weeks and when I did not see the subsequent changes to my credit score I called them back on XX/XX/XXXX. I spoke to a different XXXX who gave me a reference number of XXXX and an email to send my official bank statements to via email. I waited one month and when I again did not see the changes I was promised on my credit score I called them again on XX/XX/XXXX and was told they no longer use that email. I spoke to a XXXX XXXX who gave me a mailing address and said to mail a letter explaining what happened and the official bank statements and I did. I now receive 1-2 different correspondences weekly saying the information I provided is not enough to support my claim. They say I now owe them {$320.00} and I already paid them.
|
| 10/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I sent letters to a company named XXXX XXXX XXXX, because I noticed this was on my credit report right after the numerous breaches then I was notified by XXXX i was part of the data breach. ALL while fighting with them and the credit bureau 's then all of a sudden I seen it was sold to a company named LVNV, Funding, LLC, so I contacted and disputed with them through credit bureau's..and them..that I dont know who these people are never opened a account never opened up for a credit card..that this was and is identity theft..i contacted a credit repair company, because I was getting nowhere my contact with them always stated it was validated and sent over a blank statement with two numbers on it, no charges, payments..always came back you owe..but never validated it..brings to XX/XX/19 never notified by them never notified by bank or lawyer they levied my bank account ..this was reported as Identity theft fraud and they still where able to get to my bank account which I froze core credit and the other third party so I was protected..I am a XXXX and only get SS..and they had there company take my SS that protected federally..they meaning the companies should have done there due diligence before coming after me ... now there company is going to court for failure to follow the laws..and so is there attorney going also..this is a disgrace I am the victim and I still the victim by bully attorneys and companies.
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 States i have the right to privacy.
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S. Code 1681a - definitions ; rules of construction- exclusions -- - ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 11/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I recently Filed a complaint # XXXX. I received a letter stating it was closed suggesting that someone filed it in my name which is not the case. I was the one who filed the case and I am filing another complaint as I am the person in the document. my name is XXXX XXXX XXXX XXXX, my email address is XXXX and my address is XXXX XXXX, XXXX MI XXXX. My Phone number is XXXX if you need to contact me.
On or around XX/XX/2022, I received a notice of a lawsuit against me taped to my front door, from a foreign group of people, XXXX XXXX XXXX XXXX. Attorneys for LVNV Funding LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was the first formal contact and I have no knowledge of this group, nor do I recall entering a contract with said group. They are requesting payment of an old debt that, to my knowledge, no longer exists. They claim I owe the original creditor ( XXXX XXXX XXXX ) who, by lack of evidence shows no debt owed! All XXXX has is an old billing statement. Pursuant to [ XXXX XXXX. XXXX ] I will need the Plaintiff to Validate the debt. This includes but is not limited to, producing the original contract with XXXX XXXX XXXX containing my wet ink signature, that shows we have a legally binding agreement to do business, ( i.e. MHC Receivable 's through LVNV FUNDING LLC 's involvement in the ORIGINAL contract with XXXX XXXX XXXX ), along with all the accounting associated with the alleged debt.
|
| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX Credit Bureau has been preventing me from filing online disputes for the past six months. I will go to this website, XXXX XXXX XXXX, and log in, just to not be able to file a dispute online and attach supporting documents to each collection account that doesn't belong to me. When I call their dispute department at XXXX, the customer service agents will not listen to me, nor type in the reasoning for my disputes that I'm forced to make over the phone, thus providing inaccurate information on my XXXX Credit file. My rights have been stripped from me from properly filing my own disputes correctly and accurately. And because of that, I have to call their dispute department, and the dispute is NEVER filed correctly sometime the customer service agent will lie and won't file the dispute that I requested at all. This has been going on for over six months and I want the XXXX Credit Bureau to be held accountable for their actions in denying me my rights to file an online dispute, purposely filing inaccurate information, and failing to file my requested disputes over the phone, per the Fair Credit Bureau Act. Please see the supporting attached documents showing that I have not been given access to file a dispute online, and I've called in several times complaining about my phone disputes not being filed correctly and some weren't filed at all but lied to about it. File # 's XXXX, XXXX, just to name a few.
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I have asked XXXX XXXX XXXX XXXX who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within XXXX days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - XXXX liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues.
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whomever Concern, On XX/XX/XXXX. The Original Creditor XXXX added a collections account on my credit report per LVNV FUNDING LLC XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company LVNV FUNDING LLC in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. XXXX are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO LVNV FUNDING LLC, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. XXXX immediately sold the collections account to LVNV FUNDING LLC Without any acknowledgment LVNV FUNDING LLC is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with XXXX/XXXX OR LVNV FUNDING LLC XXXX
|
| 03/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XXXX XXXX I sent a validation letter to Resurgent capital services, for a collection debt that showed up on my credit report. On XXXX XXXX they sent a validation letter with three pages. The first page was resurgent information, page two consists of the fair debt collection practices act information, and the third page consist of XXXX XXXX XXXX credit card statement. The XXXX XXXX XXXX credit card statement was dated for XX/XX/XXXX through XX/XX/XXXX, with a debt of {$63.00}.
On XXXX XXXX I called Resurgent at XXXX and spoke to XXXX. I advised XXXX that I was calling because I would like to settle my debit with resurgent but I had some questions about the debt that is due. I let XXXX know that on the statement that was sent to me from Resurgent for XXXX XXXX XXXX credit card, stated that my balance was only {$63.00}. XXXX was confused and put me on hold several times, the only explanation XXXX can give me regarding my debt, was that it was due to late fees and other charges.I advise XXXX that I would only be paying the amount my XXXX XXXX XXXX credit card statement stated that I owed. XXXX said that he was not sure but that on his end the debt is {$550.00}. I refused to pay {$550.00} as thats not the debt that was validated by Resurgent. I advised him that I would like to pay the full amount of {$63.00}, as that was the debt amount Resurgent sent me on XXXX XXXX XXXX card credit statement.
|
| 08/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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XX/XX/2020 XXXX XXXX XXXX a/s/o CACH LLC CC : XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : CASE # XXXX ( XXXX ) To Whom It May Concern : I wish to dispute the following charges that your company is attempting collection of : XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX I am disputing the charges for the following reason ( s ) : XXXX XXXX XXXX XXXX CACH LLC have alleged that I owe an undisclosed amount of debt. However, I did not receive any notice of debt till I received notice of garnishment from my employer XXXX XXXX. I have contacted and spoken to Mrs. XXXX, whom she could not explain to me the debt that I have owed. She explained to me that she will have the attorney contacted me in a few business days. After 4 business days and no contact was made I called XXXX XXXX XXXX XXXX XXXX and spoke to an attorney from the law firm whom did not give me his name explained to me that he did not need to disclosed any debt information and he did not want to settle any debt and for me to use XXXX information to find out myself. I have chosen to pursue my own attorney for assistances, and I will be sending a copy of this letter/ complain to CFPB.
I have also attached an excerpt from The Fair Debt Collection Practices Act and would like to remind you that XXXX XXXX XXXX XXXX CACH LLC must now provide me with proof of this debt for you to continue to collect this debt.
|
| 09/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX, XXXX XXXX bank is showing up on my credit report as a closed account that i am currently failing to pay, as if i still owe them a balance. They said that i was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is impossible because they sold this account to lvnv funding back in XXXX and I paid the account off in XXXX. Therefore, it's impossible for any NEW lates to be reporting during time periods that fall AFTER they sold the account. They can only report any lates that i had BEFORE they sold the account and those are the only lates that are supposed to be on my credit report for 7 years Now my credit score has dropped significantly because it's appearing on my credit as NEW NEGATIVE information. I contacted XXXX, they were unwilling to help and said that it is out of their control. I sent them evidence and they still refuse to fix it and they pointed the finger at XXXX XXXX. I called XXXX XXXX and XXXX XXXX is saying they can't do anything to the account because it was sold to someone else. I told them, why can't they tell XXXX that because that alone is proof that i can't have any new lates in XXXX, XXXX or XXXX because they didn't own the account. They can only report on my credit what happened on the account during the time period that they owned the account and that stays on my credit for 7 years. They don't own the account, they can't report FTP ( failed to pay ).
|
| 09/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I was contact via mail by Resurgent Financial Services in regards to a debt. collection that had a judgement placed on it in XX/XX/XXXX. It was decided that the judgement was to be vacated, because the summons was improperly served.
Because of the improper service as well as the fact that the debt had reached beyond the statue of limitations, the judgement was vacated and dismissed by the court on XX/XX/XXXX.
When I received the letter from Resurgent informing me that they were attempting to collect on this judgement that was no longer valid. I responded well within the 30 day time frame that the debt was no longer valid and included copies of the judgement that was dismissed, to verify that it was no longer considered valid.
I asked them to no longer contact me in regards to this and mailed the letter as well as all corroborating documents, they were mailed certified mail to both address they have listed.
I do not wish for this matter to go on any further than it already has, I will be sending them yet another letter requesting they stop trying to collect on a debt that is no longer valid, and that their actions in regards to further trying to collect this debt has been reported here. Apparently since they have not chosen to comply with the original request, despite validating that the debt/judgement is no longer valid, I am sure that they will continue to harass me in regards to this matter.
|
| 06/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I have been a victim of identity theft for several years. Around XX/XX/XXXX, Department of Revenue sent me a bill of {$700.00}, which is supposedly a loan debt, which I did not recognize. In contacted IRS, filled out dispute form, and they fixed issue and told me I no longer owed that amount. I received a loan debt of {$700.00} from XXXX XXXX, XXXX on XX/XX/XXXX, under an account opened in my name. This creditor states that this account was opened XX/XX/XXXX and the original creditor is XXXX XXXX XXXX XXXX. I filed a police report and sent a letter of dispute. Then the debt collector notified me by mail, XX/XX/XXXX, stating that they have ceased collection activities and have closed my account back to the current creditor ( XXXX XXXX ). Then on XX/XX/XXXX, this debt collector sends me another letter stating that I owe {$700.00}, because there is insufficient information to support my claim that this is a fraudulent account. I went through the steps with Federal Trade Commission, set up an account, and filed another police report. On XX/XX/XXXX, I receive another letter from this debt collector saying that I can resolve this account for significantly less than the balance of {$700.00}. They gave me the options of making one payment of 40 % of the balance, making 6 payments of 50 % of the balance, or 18 payments of 60 % of the balance. I refuse to make any payments on an account I didn't even open.
|
| 12/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
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Web |
|
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I have been getting constantly harassed and today it's peaked to 6 calls with some pretending to be fake employers or party goers. I have all this documented. The extent they are still going to do to me after I said many times to " XXXX XXXX and stop harassing me '' multiple times and excuse the language.
It's driving me insane They would curse at me and constantly ask who is this or is this XXXX XXXX. They record me, i already have mine running and let them know.
I literally saved 5 numbers just today that you can see patterns in their fake proxy numbers such as area codes. I got three texts from made up people that I called and they were made up. Id ask what their first and last name is. Today they went over overboard trying a new way to harass via pretending to be employers.
I got screenshots of their texts and aliases used such as : XXXX ( XXXX XXXX ), XXXX XXXX but signed as Nohely ( XXXX XXXX ), and the best one, i also called and confirmed is first name and last name XXXX ( AT XXXX ). I called after I got up. They told me it's XXXX, first and last name. I hung up.
Many of the fake numbers used you can XXXX where people confirm it's debt collector online.
I believe the criminals are LVNV funding. I live in Florida where state law protects citizens from harassment such as I am going through. It's psychological damaging and I been diagnosed with XXXX and XXXX XXXX. Help stop them.
|
| 03/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Name : XXXX XXXX Reporting amount : {$10000.00} I have contacted LVN } V numerous times to validate this debt and have not received anything that validates this debt They have reported inaccurate information on my credit report, and keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Account : Reason : Instruction Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions.
|
| 08/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX bank was the original creditor. XXXX XXXXXXXX bank charged my account off XX/XX/XXXX. LVNv bought the account in XX/XX/XXXX. I filed a dispute with all 3 credit bureaus in XXXX of XXXX. In response XXXX XXXX bank was removed from all 3 credit reports. XXXXXXXX XXXX XXXX received full balance owed to them of XXXX XX/XX/XXXX. At my request the account was suppose to close. I was told once my payment processed it would close. XX/XX/XXXX I tried to log in XXXX XXXX XXXX website and couldnt. I assumed the account was fully closed. XX/XX/XXXX I checked my credit report and seen I had an outstanding balance with XXXX XXXX XXXX. I called them. Me and the representative went over the charges. I disputed 5 charges ranging from {$60.00} to XXXX dollars. XXXX XXXXXXXX XXXX told me that it would take 60 days to investigate. I called them XX/XX/XXXX to get an update. The representative told me that no dispute was filed. He assured me he would file the dispute for me on XXXX XXXX and was told it could take up to 60 days. I called them XXXX XXXX and was told that the account was closed with XXXX balance, only to find out they sold the account with positive balance to LVNV without investigating my disputes. Now LVNV believes I owe them {$1700.00}. Ive requested statements from LVNV and they refuse to send them. They claim they only have the last months statement. Which only shows the current balance.
|
| 07/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Sir/Madam, I am writing to dispute an account that is inaccurately showing up on my credit report. The account in question is not mine and I have never been associated with it in any way. I have checked my records thoroughly, and I can confirm that I have never opened an account with the creditor in question or made any transactions with them.
The creditor is LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX
And the balance is XXXX I believe that this account has been mistakenly attributed to me and is causing a negative impact on my credit score. As per the laws, it is the responsibility of the credit reporting agencies to ensure that their reports are accurate and up-to-date. I request that you take immediate action to investigate this matter and remove this account from my credit reports.
I understand that under the Fair Credit Reporting Act, I have the right to dispute any inaccuracies that may appear on my credit report. I am exercising this right and request that you provide me with a written confirmation of the outcome of your investigation within 30 days.
I would also like to request that you provide me with the name and contact details of the creditor in question. This will enable me to contact them directly and request that they correct their records.
Thank you for your prompt attention to this matter. I look forward to hearing from you soon.
Sincerely, XXXX XXXX
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have received an ongoing credit report that suggests that I may owe LVNV FUNDING LLC. However, there is no evidence to support this claim. Therefore, I demanded that they dismiss all claims and remove any harmful information about me and I also informed all 3 credit bureaus to remove any harmful information from my credit report. It is essential that any currently mentioned items are backed up with verified factual proof of their truth, accuracy, correctness, completeness, timeliness, ownership, and compliance with reporting standards. I also requested that LVNV FUNDING LLC, XXXX, XXXX and XXXX provide proof of their legal authority to conduct business with me. They do not have the right to neglect their obligations while threatening my financial and creditworthiness. I demanded that if they are unwilling or unable to comply with my requests within 20 days of receiving the complaint, ( XX/XX/2023 ) they immediately stop any derogatory or harmful actions against me, including reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. I informed them any attempts to harm me, no matter how small, will be considered harassment or extortion, which is a criminal offense in my state ( CT ). Such actions will lead me to take appropriate measures. Therefore, I urged them to rectify this deceitful manipulation by removing the delinquent items from my credit profile history.
|
| 05/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding FRAUDULENT Account information that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report.
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims.
I have also sent a letter to the creditor disputing ownership of this account, and demanding the immediate removal of the account, as well as the production of documentation such as transactional history, billing statements, and I have provided a copy of my FTC report and Police Report as I was the robbed and my identifying documents were stolen. My identity has been compromised any this account was opened fraudulently. The creditor has failed to respond to my request.
Despite my efforts, the fraudlent account remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans
|
| 07/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Resurgent reached out to me Frist in XXXX of XXXX about a debt they had purchased from XXXX XXXX XXXX in XXXX of XXXX XXXX XXXX had notified me in XXXX of XXXX of the sale of the debt. I reached out to Resurgent via the number provided by XXXX XXXX and got no response in relation to the debt. Resurgent Failed to take over the debt, verify the debt or contact me in any way shape or form for 6 months. Way over the allowed timeline.
In addition to this up until XXXX of XXXX XXXX XXXX was still reporting to the credit bureau and Resurgent had not reported that they were the owners of the debt in question. Resurgent just now report the debt to the credit bureau as past due in XXXX of XXXX almost a Full year after their purchase of the debt.
Resurgent actively denied my rights to dispute the debt within an timely manner and were unresponsive. They did not follow proper procedure and did not report accurately to the credit bureaus.
Credit one also did not properly protect my information as a client and sold my email to Resurgent. I never gave authorization to XXXX XXXX to misuse my information and Resurgent never verified how they received this information Attached you will see the credit report from XXXX showing this account was not reported Till XXXX of XXXX.
You will also see the email from Resurgent date XX/XX/XXXX and them stating they have owned this account since XXXX of XXXX.
|
| 10/22/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The Collection Agency, LVNV Funding has illegally reported a loan debt from a company known as XXXX XXXX. They are claiming that I owe them money on a loan that I NEVER took out. Last year, I filed a police report on this matter, it was later resolved and now, this company is attempting to to EXTORT reporting this debt to the Credit Reporting Bureaus as an outstanding debt that is owed to their company. I have not applied for or signed any documentation with this company and I most DEFINITELY OWE THIS collection Agency, NOTHING.
Once the debt has been removed from the credit bureaus, they are reporting it again, under a ( sub ) name.
Example : LVNV FUNDING ( COLLECTION AGENCY ) Below are the sub names that are being used ILLEGALLY to report to the bureaus extort consumers out of money that is not owed to them : XXXX XXXX XXXX XXXX ( This was the first sub company name under LVNV FUNDING that used a few months ago in their extortion attempt ).
*RESURGENT CAPITAL SERVICE LP ( This is the current name that they are illegally using to fraudulently report information to the bureaus ).
I sent them a certified letter last week, my next step is to file a Police Report against this company and the owner for extortion. I will also be filing a complaint the the Attorney General and the Better Business Bureau. Lastly, I have spoken with an attorney and I will sue them if it becomes necessary.
|
| 05/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I am continuing my complaint with resurgent as they are relentless. After harassing myself, mother, brother, and grandmother in law over a debt I'd set up a payment contract with the originally creditor who cancelled it upon the 1st payment.
They repeatedly ignored cease and desist notices calling to the point we changed numbers threatening legal action ... .even sending someone to my former residence and bypassing no trespassing signs.
The lawsuit they continued sending all info the the wrong address. They failed to represent themselves and the case was denied. They continued sending collection notices to my current address but then refiled for the lawsuit sending the information to the wrong address which failed to notify me in time to receive proper representation. upon that the judge sided with them based on a sea of lies. He stated he'd stop them from contacting me. But the fact remains I do not owe this debt to them. The contract was cancelled by the original creditor.
They have since then bombarded me with collection notices going back nearly 15 years. They keep coming despite repeated cease and desist notifications. They will not stop and I am in the processing of obtaining legal counsel to see what my legal recourse for this company is. Note the above fore mentioned debt has been removed from my credit report and the agencies sided with me that it was a cancelled contract,
|
| 05/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/XXXX, I have received a letter in the Mail from XXXX, XXXX, and XXXX.
On XX/XX/XXXX XXXX The letter was received by someone else ), I have sent them a copy of the original debt collection letter, along with what I have received from the original collector. This was sent by certified mail article number : XXXX XXXX XXXX XXXX XXXX In XXXX, I called requesting an update, and spoke with a Mr. XXXX XXXX. Advised that I sent them the letter, and still waiting for a response, and wanted to know why that item is showing on my credit report when i have it in a dispute status. I was told that they never received the items, and I told him what I'm requesting for validation ( signed applications, and at least three statements that one must show a charge ).
I have received three statements, but nothing showed a charge on them ( How can I verify I actually had a charge, if all I see are fees )? How can I verify that I actually signed an application for what they are collecting for, along with the interest rates?
On XX/XX/XXXX, I have sent a second letter to them certified mail article number : XXXX XXXX XXXX XXXX XXXX One reminding them that I'm still waiting for the verification documentation, along with an initial settlement offer since.
Today XX/XX/XXXX, I pulled my credit report, and this item is still showing on it as a collection item. It has been in a dispute status XX/XX/XXXX.
|
| 07/15/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted the collection agency on multiple occasions regarding verification of debt. The collection ignored my requests to verify this debt. This was a credit card debt that is in dispute. Multiple times I asked XXXX XXXX to provide verification. They chose to add fees and then sell the debt to LVNV. I have never received any verification from this agency and ONTOP OF MULTIPLE PHONE CALLS ALL DAY AND NIGHT FROM THEM. They never validated debt to me and are in violation of FDCPA and now have moved on to sueing me in small claims. I have sent letters requested LNVN to provide details on how the alleged amount of XXXX was calculated, LVNV has been reporting this balance against this account to all credit reporting agencies on my credit report When I started this dispute the balance was under {$500.00}. Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the LVNV is not authorized to collect interest unless it is authorized, I request LVNV to provide a contract from original creditor stating that LVNV is authorized to collect interest on this account. As per evidence presented above LVNV has violated FDCPA
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
One company is LNLV which just keeps showing, XXXX regardless of the action I take and even a lawyer fixed it ( for an expensive fee ) and it appeared backed on the credit account.
The second is XXXX XXXX insurance which I replaced with XXXX XXXX XXXX and both parties have the information, now XXXX caused numerous problems and a significant ( almost XXXX point drop in credit score ). XXXX IS A FRAUD!! THEYVE REFUSED TO FIX DAMAGE TO MY VEHICLE UNLESS I PAID {$1000.00} Co-Pay ( not even in vehicle, I was working inside! The driver drove away ). Regardless, when XXXX offered a lot less than {$510.00} a month, I cancelled my a XXXX policy via Phone, E-mail, Paper mail with stamp, faxed to corporate office. In addition, any debt owed to XXXX XXXX XXXX I paid in full. Then re-advised not just my local office, but XXXX corporate office in all the above mentioned ways. They demanded money after no debt was owed to them, they also dropped my credit score and made me an at risk customer in the database out of spite.
LNLV a needs to be removed once again. If they have an issue, I will bill them my previous legal bills ( they wont forget again ).
In addition, XXXX needs to remove any and ALL debt. THEY ARE COMMITTING FRAUD! I HAVE PAPERWORK THAT SHOWS ALL PROPER STEPS WERE TAKEN TO CANCEL MY POLICY AND PAY ALL DEBT. I HAVE PROOF THAT XXXX HAS BEEN MY ACTIVE AUTO INSURER!! SHAME ON THEM!!
|
| 03/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with LVNV FUNDING LLC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). LVNV FUNDING LLC can not and will not ever produce a contract between me XXXX XXXX and LVNV FUNDING LLC because that contract does not exist.
|
| 06/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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The said company is LVNV FUNDING LLC - XXXX. XXXX XXXX XXXX, SC XXXX This company is on my credit report not once but twice and I do not know who the company is and I do not owe this company anything.I have not had any success in contact with the company and, I have contacted all three credit bureaus and waiting for a response. I am aware with the recent pandemic that crazy things are appearing on consumers credit report. However I do not know who this company is. I have NEVER applied for anything with this company and I am requesting help in finding out who this company is and why is derogatory information being displayed on my credit report in reference to this company claiming that I owe them two different amounts. No company should be able to place anything on your credit report without you applying for credit much less any derogatory information and the consumer not know who the company is or the consumer have not spoken to this company. I am sure there has to be some type of law that has been broken. I am requesting help in finding out who this company is and if the company seem feel that I owe anything, then i would like a full validation with my signature of some sort of contract that connect me to this company. and why are they listed on my credit report twice?
Thank You for your time and your help with this matter.
I look forward to speaking or hearing from someone soon.
|
| 03/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : LVNV FUNDING LLC, C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ACCT # XXXX ACCT # XXXX AMOUNT : {$890.00} DATE : XX/XX/XXXX This complaint is regarding the above-referenced debt in dispute. I am a victim of identity theft, IRS, and Tax Fraud which caused the IRS to send me a " Pin Code '' for tax-related submission purposes. In XX/XX/XXXX, after years of fighting and getting back on track, I decided to check my annual credit reports. Unbeknownst to me, I noticed that LVNV Funding collection company had a collection account on my credit reports that belonged to someone else. I had never had a XXXX XXXX XXXX credit card. I tried to call this company and get a solution to this fraudulent act but to no avail.
I am disputing this debt because I do not owe it. LVNV FUNDING MUST STOP reporting it to the credit reporting agencies and ask them to delete it from my credit reports.
Reporting information THEY know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive e-mails or letters concerning this debt that I do not owe to their client after this complaint from such a collection company. The Fair Debt Collection Practices Act requires LVNV FUNDING to respect this request and cease all communications. See 15 U.S.C. 1692 ( c ).
Thank you for your attention to this matter.
|
| 02/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Out of nowhere this company called XXXX XXXX XXXX put a collection on my account for {$640.00}. I started to get calls at all hours of the day and night. I had to shut my phone off at work because they kept calling. I have an XXXX XXXX XXXX in school and its been snowing very hard in Michigan. I have to keep my phone on and I couldn't even do that because I was getting into trouble for XXXX XXXX XXXX calling non stop harassing me. I asked for proof of this debt because I didn't know what it was for or where it came from. I know what debt I have or don't have and this is not my account. They never provided me with proof that this is my account. They told me they would arrest me and sue me if I didn't pay and that my credit report was not going to be fixed even though I filed a dispute against them. They called people I know and started asking them personal questions about me interrogating them and making them feel uncomfortable which is illegal. This company has a reputation for being dirty. How is it legal or right for random companies and people from all over the country to use some XXXX number to ruin our life and harass all members of your family? How is it legal for all this hacking and access to peoples information to happen to a point where people 's credit and life 's are put on hold outside their control for collections they know aren't their debt. Its illegal and its wrong..
|
| 08/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX I received a call, where the caller refused to identify themselves but ask me for who I was, said there were trying to collect a debt for XXXX, that I have previously filed a complaint ( Complaint # XXXX ). On XX/XX/XXXX I received mail from XXXX XXXX XXXX XXXX requested me to pay {$1400.00} for a debt from an Original Creditor - XXXX XXXX XXXX, XXXX, purchased by a current creditor - PYOD LLC, with a charge off date of XX/XX/XXXX. Next of XX/XX/XXXX I received another letter from Resurgent Capital Services informing that under NY State law I have the write to request substantiation of abovementioned date, of which they list my last payment date as of XXXX received another letter on XX/XX/XXXX from Resurgent Capital Services informing that they have initiated a review of the inquiry " they recently received ''. I never requested any information from Resurgent as this case had been settled due to identity theft as far as I knew ... .they sent statements supposedly sent to me in address that is not mine! Lastly on XX/XX/XXXX I received another letter from Resurgent Capital Services informing that they had received a recent inquiry regarding the abovementioned account and have enclosed a summary that provides verification of debt. THIS OFCOURSE IS INACCURATE ... .and is harassment. I do not owe XXXX as I filed complaints/inquiries with this agency as well as XXXX XXXX XXXX
|
| 06/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX, I pulled my credit and discovered a tradeline for LVNV Funding LLC/Resurgent Capital Services for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with validation of the debt. They failed to respond. I pulled my credit again in XX/XX/XXXX and their tradeline is still there. I contacted them again in writing demanding they delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They have not responded.
They did however respond my credit bureau dispute as " verified as reported ''. How can they legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation for the past 7 months? They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it.
This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. I will also be filing a XXXX and attorney general complaint as well as seeking legal action for their unethical business practices.
|
| 11/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named LNV Funding had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who LVNV Funding is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our lord XXXX, thirteen years later, I am now being harassed by XXXX XXXX XXXX, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, XXXX XXXX XXXX is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.
|
| 08/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
During the year XXXX I was having credit cards with XXXX XXXX. One of the cards was activated to use by me. To my surprised one of the cards which I had not activated was illegally started using by unknown person in XXXX. To be specific the unknown person spent a lot of money on XX/XX/XXXX - XX/XX/XXXX with a card that end with XXXX. When I found out I immediately report the identity theft issue to XXXX.
They told me that they will begin their investigation. After few days they call and told me not to worry about it.
All this happened in a different address. I moved from the location where this issued happened. When I moved to the new address, I was still communicating with XXXX XXXX because I still have card with them. During the conversation I was told that the card has been cancelled due to the issue and I should not worry about it. They sent me a new card which I specifically told them I do not want to it because I am trying to pay off the other one, I have been using. The associate I spoke with told me that since the other card has been cancelled, I should not worry about it. I should go ahead and activate the new card that has been sent to me. To my surprise when I activated it, they move all the Freud expenses bill to the new card that ends with XXXX. I tried everything but I found out that they have sold the debt to a new company who has taking a lawsuit against me.
|
| 04/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
To whom this may Concern : I am writing this today to file a formal complaint against this company LVNV Funding INC and XXXX XXXX XXXX. This company has been sending information all over the country about a debt it has purchased that was the result of Id Theft that i was a victim of when i lived at a previous address. My ex boyfriend XXXX XXXX opened account 's in my name because i was suffering from health issues at the time and he was my primary care giver. He was even found guilty for Extortion because he was trying to defraud a man he was involved with of money because he gave the man XXXX.
This company has hired another company to harrass me and threatened to sue me in court because i owe this bill and they know i owe the bill and that i was gon na pay. I called XXXX XXXX and told them about they sent information to my mothers house that lives like almost a hour away and she opened the letter and feared for my life because of the threats. This has been very devastating to my XXXX and my well being being accused of a crime and i didnt commit one.
They are using third parties in the state of Mississippi to threaten me and send letters to different address that belong to my family members. This is breaking the law. The name of the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX this company threaten me and actually prosecuted me and i wasn't in court.
|
| 09/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am filling another complaint to provide an update regarding my previous complaint, filed under reference number XXXX in XX/XX/2023. Despite the initial response from the company in XXXX, wherein they assured me that they were not reporting the account in question and agreed to provide validation while ceasing further communication, I regret to inform you that the situation has taken a turn for the worse.
To my dismay, I have recently discovered that the company has chosen to report an invalid account to the credit bureaus, resulting in further damage to my already compromised credit file. This action is a clear violation of their previous commitment, as well as a breach of my consumer rights under the Fair Credit Reporting Act and other applicable laws.
I am deeply concerned about the consequences this unauthorized reporting will have on my financial well-being and creditworthiness. It is evident that my civil rights have been violated, and I am left with no choice but to escalate this matter further if a satisfactory resolution is not reached promptly.
I deeply value your commitment to ensuring fair and accurate credit reporting. However, it is disheartening to witness the ongoing harm to my credit file despite the assurances provided by the company. I trust that you will take swift and decisive action to rectify this situation and safeguard my rights as a consumer.
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. i have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX data breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation of my character, and this is a federal law violation. According to, 15 U.S.C. & 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agencies to promote my privacy and fairness and they have not. This is not right and goes against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishers of people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed, immediately.
|
| 01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I learned about my poor credit in XXXX or XXXX. I began my credit repair journey by hiring a credit repair company, XXXX. After a few months of using their service, I realized I could no longer afford to pay their fees and discontinued their services. In XXXX, I learned that I could work on repairing my credit myself and have been working diligently to do so.
However, the credit reporting company LVNV Funding has made my journey a bit difficult. In XXXX of XXXX, I sent my first letter to LVNV Funding asking for validation of my debt as made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In XXXX of XXXX, I received a letter back stating that " information responsive to this matter has been previously sent '' and that they " will not continue to respond to duplicative requests without additional information. '' As I have not received any correspondence directly from them to my current address, besides this letter, I am not sure what information I need to send to them to provide the additional context they are needing from me.
In XX/XX/XXXX, I sent another letter requesting validation of the debt and received a copy of the first letter in XX/XX/XXXX. At this point, I am attempting to resolve this bad debt in good faith, but have not been able to validate that this debt is indeed mine. I have attached all correspondence between LVNV Funding and myself for your review.
|
| 08/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.
|
| 05/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
There have been unauthorized disclosures of my personal identifying information. RC/RESURGENT RECEIVABL, XXXX, XXXX, and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am and will be invoking my rights to suretyship as subrogee/implied surety in a notice of subrogation and substitution to collect any and all chattels owed to me under the maxims of equity due to RESURGENT CAPITAL SERVICES making false claims against my Estate XXXX XXXX XXXX RESURGENT CAPITAL SERVICES has provided false and misleading documentation in an attempt to coerce payment for unjust enrichment.
I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed.
I have also provided opt-out notices from the model disclosures that I found on the CFPB website.
|
| 04/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
IN RESPONSE TO CFPB : XXXX Reference Numbers : XXXX ; XXXX To whom it may concern : As per my XXXX, XXXX, and XXXX credit report, RESURGENT AKA LVNV FUNDING obtained my credit file on XX/XX/XXXX.
I don't recall applying for credit or employment with RESURGENT AKA LVNV FUNDING.
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the 1998 FTC opinion letter Greenblatt at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX.
Please respond via fax to XXXX.
Sincerely, XXXX, XXXXXXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
|
| 12/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
LVNVFunding LLC. XXXX the supposed debt owner ), XXXX XXXX XXXX XXXX, SC XXXX ( as reported by XXXX XXXX has failed to comply with FCRA law. I originally disputed a debt with them XX/XX/21 sent USPS certified mail. They had 30 days in order to respond, instead, I received a response letter dated XX/XX/21 stating Resurgent Capital Services L.P was their account manager, no requested information provided. They stated that I had 30 days to respond to that letter instead of providing the account information under FCRA that I requested. I did not receive the requested information until XXXX XXXX from Resurgent their deadline was XX/XX/21 ( 30 days XXXX from my initial request to LVNV. They can not re-age the date of my request because the interworkings between LVNV and Resurgent are not consistent and lacking. Furthermore, Resurgent did not provide all documents requested. They did not provide a copy of the contract or document evidencing my agreement to any debt which I did request XX/XX/21, please reference the letter instead they mentioned in their letter dated XX/XX/21 that 'I may ' request a copy which I already did. They are playing games with consumers in an unprofessional manner.
On top of this, I have sent certified letters to XXXX and XXXX with this complaint along with copies of letters sent to LVNV and Resurgent and they also have failed to act under FCRA law.
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello CFPB I was informed by my attorney that I could file a complaint on this site before taking action regarding FCRA and FDCPA violations against LVNV Funding and XXXX XXXX. I have the same issue with these two companies. First off, they are both harassing me regarding an alleged debt. I've been getting disturbing calls and its causing me so much stress. Second, I have tried disputing information on my credit report. They are reporting different dates across all 3 of my credit reports, such as date opened, date last active. Also the balance does not match the amount of the alleged debt they are trying to collect from me. I am tired of disputing these accounts, this is why I am reaching out to you because they claim to update the incorrect information on my reports but nothing has been fixed or deleted. This has been going on since XX/XX/2022 and I need your help to resolve this issue. Please reach out to these companies. I tried but they will not work with me in resolving # 1 the harassment # 2 the inaccuracies on my report. I also checked to see if they are licensed to collect in California and it doesn't seem like they are legally collecting here. Can you also investigate this for me? I do not owe this company any money. I have asked for verification with my signature and they have not provided anything that I am asking for. I hope to here from you soon. Thank you
|
| 05/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Resurgent Capital Services ( XXXX XXXX ) placed a collection account on my credit report in the amount of {$700.00} in XX/XX/XXXX. On XX/XX/XXXX I sent XXXX XXXX aka Resurgent Capital Services a Debt Validation letter under Texas Finance Code 392 requesting they validate the debt. XXXX XXXX aka Resurgent received the letter on XX/XX/XXXX and sent me a letter on XX/XX/XXXX stating they have " initiated a review of the inquiry they recently received ''. As of today XX/XX/XXXX I have not received any further correspondence from XXXX aka Resurgent validating the debt in question. In the letter I sent on XX/XX/XXXX I requested Validation under Texas Finance Code and requested that if they could not validate that they were to delete the trade line from all 3 credit bureaus which they have failed to do at this time. Under TFC 392 they have 30 days to validate and if they can't they must delete the trade line from all credit reporting agencies.
They also treated my letter as a dispute under the FCRA and marked my credit report 's as " disputed by consumer '' which I clearly was not disputing under the FCRA but requesting validation under the Texas Finance Code. This is a blatant misuse of the dispute process under the FCRA and could cause issues for future consumers that request validation under TFC. Dispute comments can derail mortgage applications and cause credit denials.
|
| 10/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
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This debt collector/buyer has been on and off my credit report because i disputed the balance owed as incorrect. For the past two years. I received a letter by mail last month in XXXX. This was an attempt to settle the account of the balance of {$2400.00}. They did not sent me a debt validation letter. I responded back with a certified mail debt validation request. They did not respond back in a timely manner. Instead, they decided to share my personal information and details of this account with a third-party service, possibly a debt collection service/firm. After I received this debt validation from this third-party service, I decided to seize and desist both the debt collector/ buyer and the third-service provider because they did not respond to all my request in my debt validation letter. They violated my seize and desist request, the third-party debt collection service entity. I do not trust the integrity of these debt collectors after they took this action. No information other than statement balances and no bill of sale or contract from original creditors presented. The account reads as this XXXX XXXX card by XXXX XXXX, this account was sold to LVNV funding llc and its third-party service is XXXX XXXX XXXX XXXX I did not enter into any written or verbal agreements to repay this debt. They did not verify the debt in full untill i seize and desisted both of them.
|
| 10/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with LVNV Funding LLC collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
|
LVNV Funding # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to report a violation of the Fair Credit Reporting Act by LVNV Funding . This creditor has re-aged an account on my credit report, which is a violation of the FCRA. This account should be removed immediately from my credit report. The creditor has reported an account that was closed in XXXX as being open and active in XXXX. This is a clear violation of the FCRA, as it is illegal for creditors to report inaccurate information about accounts that have been closed or paid off.
Reaging an account is a violation of the Fair Credit Reporting Act ( FCRA ). This act states that creditors must not report inaccurate information about a consumer 's credit history. Reaging an account involves changing the date of delinquency on a consumer 's credit report to make it appear as if the debt is more recent than it actually is. This can have a negative impact on a consumer 's credit score and can lead to higher interest rates or even denial of credit.
I have included documentation with this letter to prove that the account was closed in XXXX and should not be reported as open or active on my credit report. I request that this account be removed from my credit report immediately and that any negative impact it has had on my credit score be reversed.
Thank you for your time and attention to this matter.
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| 12/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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This is regarding LVNV Funding LLC, I had closed account wXXXX XXXX & XXXX ( known from previous incident involved/investigation XXXX XXXX account that has been removed because illegal practices when reporting to credit bureaus ) which was charge off then discovered that LVNV Funding opened on XX/XX/20. I didnt respond or acknowledged that the account was mine because the information that was given about the account wasnt accurate therefore ; I became suspicious because they had initially been contacting me either unknown number or different numbers which caught me off guard. Then when I finally contacted them to address and inquire the supposed debit of account they were very stand offish and rude as well as unprofessional. They basically said that the information they was valid. I could dispute, but will remain on credit until they were paid. In response I told them to no longer contact me via phone instead only by via certified mail in regards to account in question. Also disputed the derogatory comments/remarks left by LVNV Funding , LLC. At first I had notice on my credit reports that I it was reported twice for same account which is illegal & has since been removed off my credit report. I would like for this LVNV company to be investigated for inaccuracies & incorrect information that hasnt been updated or confirmed regarding this supposed account in question.
|
| 05/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX placed a collections account on my credit report for all three credit bureaus in the amount of {$330.00} account ending in XXXX. I immediately contacted XXXX XXXX XXXX to obtain additional information on this debt because I was not notified by them prior to it being added to my credit reports. They informed me that it was a debt they collected from XXXX XXXX XXXX and that I needed to pay it. I informed the representative that I was going to dispute the debt because I have no knowledge of a XXXX XXXX account from XX/XX/XXXX and it was incorrect. I also asked why I wasn't notified by them prior to action being taken by their company, so I could address it prior to it hurting my score. I am currently in the process of finalizing my mortgage loan and this inaccurate account detrimentally affected my ability to obtain credit. She stated that they were not obligated to notify me of the debt because the original creditor already did in the past. XXXX XXXX XXXX has not provided me with any written notice of my debt or written notice of my ability to dispute the debt since my phone call which is in violation of several debt reporting laws. According to the law they have 5 days to provide me with a written notice stating this information. I want this account removed immediately due to their illegal debt collection practices.
|
| 07/21/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am submitting requested document from CFPB Case # XXXX, notarized affidavit. I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. Then I responded, you gave it complaint # XXXX and today XX/XX/XXXX I am submitting again : The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in XX/XX/XXXX, the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.
|
| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I asked XXXX and XXXX credit to fully investigate an error on my credit profile over 90 days ago. I become aware of the fraud accounts during an annual security check. Since XXXX I have lived and worked only in XXXX, and XXXX.
I learned that a third party opened many accounts with a close approximation to my name in XXXX at an address in XXXX Texas that I have never lived at or that I am familiar with. XXXX bought a fraudulently opened account they claim to be my account from XXXX XXXX.
XXXX XXXX has admitted the account is fraud, and even advised that the last name on the account was XXXX, not XXXX! Yes, the name of the guy from friends.
They then sold the fraudulently opened account to XXXX.
XXXX refused to remove this account which clearly is not my account, from my credit bureau. They have threatened to sue my XXXX XXXX XXXX father.
I demand that XXXX, XXXX XXXX and XXXX are sanctioned for their illegal actions against me, in violation for the Fair Debt Collections act, and in violation of the Fair Credit Reporting Act. They are unable to produce any proof that I ever opened the account, because I did not, and I was not even in the United States when the fraud activity occurred. According to 15 USC 1681i TransUnion has 30 days to investigate and send me the results. They failed to do so, and even asked you for more time 30 days ago!
This is not OK.
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| 10/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. LVNV Funding Acct # XXXX LVNV Funding Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX The following debt collection agencies are trying to collect on debt amounts on accounts sold to them by XXXX XXXX XXXX XXXX illegally and knowingly over inflated interest rates on its credit card holders. This resulted in a class action lawsuit filed by XXXX XXXX XXXX. All of the accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LVNV Funding and XXXX XXXX XXXX. XXXX contain accounts purchased from XXXX XXXX that are subject to the litigation brought against XXXX XXXX. I am requesting these accounts be removed from my credit account due incorrect amounts that were over inflated illegally by XXXX XXXX. I feel no debt collector should be able to slander my credit report over these illegally created debt amounts. Please remove or face legal action.
|
| 08/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have been trying since XX/XX/2017 to resolve a Identity Theft case with XXXX XXXX XXXX. I have never had nor have I ever opened a credit card account with them. I have never applied for a credit card with this company.
I spoke with the company several times in an attempt to resolve this issue. One of my last conversations with the company I was told that they were removing the account to reflect that I never opened an account with them and a year later I am received a letter from a collection agency.
I continue to receive letters after I have filed a police report, and had an Affidavit notarized and mailed back to the collection agency on their paperwork.
They are harassing me with letters about this debt that does not belong to me. I'm receiving a letter every week from them and when I call in I have a representative say to me, " Wouldn't it be worth it to pay the debt off? '' If it was mine, absolutely, but it is not. And I have follow all of their procedures to resolve this issue and it has not helped.
The amount on this account is : {$630.00} The creditor : XXXX XXXX XXXX The collection agency : LVNV Funding LLC.
Neither the company nor the debt collector can give me an account number for this account nor do they have my social attached to this account. I would like for them to please remove this information completely from my credit reports.
Thank you.
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| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
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On XX/XX/XXXX, I received a text message, and an email from Resurgent XXXX XXXXXXXX office after I have sent them over to cease communication. Pursuant to 15 USC 1692 if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On XX/XX/XXXX, Resurgent XXXXXXXX XXXX received my request and acknowledge it by saying that they would cease all communication ( EXHIBIT A-B ). However, this has not happened, and this company has further violated my rights as a consumer.
By willfully violating the FDCPA, I am willing to settle your civil liability damages I have suffered as a result of your violation. Pursuant to 15 USC 1692k ( a ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
I have attached an invoice with this notice.
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Best Regards, XXXX XXXX
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| 02/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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LVNV Funding LLC, This letter is the second time to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement with my signature and any other supporting document you may have that I have willingly entered into any sort of agreement with LVNV Funding LLC and if or where I agreed to have business with you or paperwork contracted for myself & LVNV Funding LLC. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. Unless LVNV Funding LLC can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. Thank you for your time.
|
| 03/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
|
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They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! LVNV FUNDING LLC ( put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that LVNV FUNDING LLC ( verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If LVNV FUNDING LLC ( is unable to provide the above identifying account information, this account must be deleted from all CRAs. LVNV FUNDING LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
|
| 04/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! LVNV FUNDING LLC ( put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that LVNV FUNDING LLC ( verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If LVNV FUNDING LLC ( is unable to provide the above identifying account information, this account must be deleted from all CRAs. LVNV FUNDING LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
|
| 02/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I have spoke with both the original creditor and the collection agency in regards to the debt. On the collection agency website it reflects a payment being made in XXXX but they are saying they only can see a payment was made but not for how much. That in itself is a discrepancy because if they are showing a payment then the balance should be reflecting a payment in any amount. On my credit report for XX/XX/XXXXit shows 2 payments for XXXX and for XXXX. In the amount of XXXX dollars in XXXX and the remaining balance in XXXX. When trying to clarify the debt XXXX XXXX was unable to verify when the debt was transferred only that it was at an agency. The collections agency said that the account was open in XXXX after the paid off amount to the creditor but still has a reflection of the XX/XX/XXXX payment but was unable to verify any further information in the amount they received. Finally, the collection agency is opened for XXXX dollars which is just about half of the original balance as I was only given a XXXX credit line so the account is being grossly overcharged. Finally the XX/XX/XXXX XXXX original creditor was deleted from my score, so it was my assumption the debt was settled. Neither the agency or the original creditor has been able to verify the amounts, payments, or days the account was transferred over and have yet to provide me valid proof of the debt.
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Service with XXXX was initiated at the end of XXXX, but XXXX was unable to provide the agreed upon service and it was canceled after 1 week. XXXX charged my account and I disputed the charges with the FCC. During the dispute with the FCC, XXXX sent the bill of {$340.00} to collections on XXXX XX/XX/XXXX. I was originally contacted by LVNV Funding LLC and disputed the charges on XXXX XX/XX/XXXX. LVNV Funding did not respond to the dispute within 30 days and I was contacted by 3 companies representing LVNV Funding LLC in XXXX attempting to collect this debt.
1. XXXX XXXX XXXX contacted me on XXXX XX/XX/XXXX with a response date of XXXX XX/XX/XXXX.
2. Resurgent Capital Services contacted me on XXXX XX/XX/XXXX with a response date of XXXX XX/XX/XXXX.
3. XXXX XXXX contacted me on XXXX XX/XX/XXXX with a response date of XXXX XX/XX/XXXX.
All of these companies claim to represent LVNV Funding LLC and are attempting to collect an invalid debt. I have informed all of these companies that the original debt was not verified within 30 days and can not be collected under current law. I continue to receive debt collection notices, all with different dates that I have to respond by to dispute it.
This debt is not valid and was disputed in XXXX. LVNV Funding LLC appears to be getting numerous companies to contact me and collect the debt they failed to validate in XXXX.
|
| 02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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SEE ATTACHMENT BELOW I did not give consent to report anything to my credit report nor do I have a contract to do business with LVNV Funding. They are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave permission. Violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
|
| 11/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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XXXX XXXX - XXXX ; keeps trying to charge me XXXXXXXX XXXX and i have disputed it on XXXX many times as identity theft. Also Webbank/Freshstart keeps trying to charge XXXX XXXX and I have disputed many times as identity theft. As well as hard inquiries on my transunion due to identity theft ; as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . On my XXXX I have derogatory marks which include LVNV FUNDING LLC for XXXX XXXX which is due to identity theft and I have tried to report it many times but does not let me ; also hard inquiries on XXXX I have reported many times and they do not remove them which are : XXXX and also XXXX XXXX XXXX XXXXXXXX All of these are affecting my 3 credit bureaus without my knowledge. Lots of hard inquiries on all of them and delicuent accounts. I am victim of identity theft, during covid in XX/XX/2020 My license, social security card and debit cards and XXXX $ were stolen at a car rental ( XXXX XXXX XXXX ) i also made police report and the police saw on camera where someone with a mask picked up my wallet and left the scene. Ever since then i have been having to deal with the extreme unwavering stressful situations and need help. Also according to XXXX most of these debt collectors if not all, have no license or registration to collect or do business in the State of New York.
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I had an account with XXXX XXXX XXXX XXXX XXXX. When I got my last statement, I asked company to verify some charges that I did not recognize on my statement, and credit one was unable to verify. At that same time, I had received information saying that my credit was compromised so the charges were fishy to me.
I requeted that XXXX XXXX send me information that this account officially belonged to me and that I had agreed to it. They did not respond to my request. They then unlawfully transferred this debt to XXXX XXXX XXXX at XXXX. I did not give permisson for my personal informatinon to be handed over to this other company. This company has been harassing me and calling me during off hours and at work while I am tutoring students.
This company, LVNV Funding-XXXX is now being reported on my credit report.-reference number XXXX is really not fair, given the circumstances. I never gave permission to XXXX XXXX to release my personal information to a company that I am not doing business with.
I've already made several payments to XXXX XXXX XXXX, who is working with LVNV Funding to process their payments. However, I don't think it's reasonable and fair for me to continue to make any additional payments continuing the circumstances involved.
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
|
| 03/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX I contacted LVNV Funding, LLC in regard to info that they had sent to me in response to my request for validation for the XXXX XXXX credit card account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last Wednesday I reached out to the capital XXXX XXXX XXXX XXXX and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus but they said that its already been disputed and they will not look at it again. Then today I received a letter from a company called XXXX XXXX XXXX indicating that their client LVNV Funding LLC authorized them to offer me a settlement on a debt that LVNV has not been able to validate nor have they provided any information that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase my home and be given other credit opportunities.
|
| 01/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX was sold an account from XXXX XXXX and has been reporting Account number XXXX with a amount due of {$3400.00} on my credit report. In XX/XX/XXXX and XX/XX/XXXX, I sent XXXX XXXX numerous debt validation letters via certified mail and they have not followed the FDCPA and provide me with the following : Validation of Debt Request, Proof of you right to/collect this alleged debt, balance claimed including all fees, interest and penalties, contract being my personal signature, license proof to collect debts in my state. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX and they removed them from my credit report, however, within days XXXX XXXX was added back to my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a letter, on behalf of XXXX XXXX, trying to collect the debt of {$3400.00}. In the letter it states " because of the of the age of your debt, XXXX XXXX will not sue you for it. '' I sent debt validation letters via certified mail to XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX and XX/XX/XXXX. However, they have not followed the FDCPA and provide me with the aforementioned documentation. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX XXXX XXXX and they removed XXXX XXXX from my credit report, however, within days XXXX XXXX was added back to my credit report.
|
| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello, I am writing this complaint in regards to LVNV funding LLC. This complaint is in regards to fraudulent charges, and defamation of my character. I have two accounts that is currently tarnishing my reputation. One in the total amount of {$360.00} for XXXX XXXX XXXX, and {$270.00} for XXXX XXXX. This alleged debt has yet to be validated. Please keep in mind the difference between validate and verify. I received a copy of statements in attempt to validate debt. As defined a statement is an alleged debt, and statements along with a contract is also defined as hearsay. I already have two reports of this account tarnishing my consumer report.
LVNV has also obtained my information illegally, which is an infringement upon a consumers privacy. According to 15 USC 1692c ( b ) 3rd parties do not have consent to communicate with consumer. There is also no law that states consumer owes debt. So called debts are obligations of the corporation that is the United States. This is stated in 15 USC 1601. Also Keep in mind I did not receive any IRS form 1099-c cancellation of debt/ reporting collections/ late payments/ charge offs. Which is also Tax fraud from LVNV. Transactions reporting as late/ collection/ charge-off/ and any other derogatory information is also a violation. I demand that both accounts deleted from my consumer reports effective immediately. Please
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am so displeased with the way my information was used by XXXX XXXX. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same.
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX and XXXX, so at this point, you really should be protecting my privacy. This is detrimental to my emotional and psychological health and well-being, to the point that I had to have my pastor pray for me several times.
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.
|
| 06/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a copy of my personal credit report from all 3 credit bureaus. I sent a certifies letter to the company on XXXX XXXX to the address on the credit report. I have never received any documentation verifying that I have a signed contract, verification I owe them a debt or anything bearing my signature. I have also filed a dispute with the credit bureau notifying them to delete this inaccurate information. Here is the proof of mailing Delivery Attempted Tracking # : XXXX Recipient Address : LVNV Funding XXXX XXXX XXXX XXXX SC XXXX 1. PRE-SHIPMENT INFO SENT USPS AWAITS ITEM, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 2. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 3. ORIGIN ACCEPTANCE, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 4. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 5. SHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 6. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 7. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 8. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 9. AVAILABLE FOR PICKUP, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 10. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 11. REMINDER TO SCHEDULE REDELIVERY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 12. REMINDER TO SCHEDULE REDELIVERY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX
|
| 08/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Person or persons unknown to me use the name XXXX XXXX and my social security number to open two credit card accounts with XXXX XXXX XXXX. Note : My name is XXXX XXXX XXXX not XXXX XXXX that was used to open these two fraud accounts Allegedly Resurgent Capital Services purchased both cards on X/XX/2017 When I became aware if these two fraud credit cards I contacted XXXX XXXX XXXX and was referred to Resurgent Capital Services, I contacted Resurgent Capital Services Twice disputing these fraud accounts, I requested that Resurgent Capital Services supply me with copies of the applications that were submitted for the credit cards listed above to verify these two accounts, along with a copy of the sales contract from XXXX XXXX XXXX and Resurgent Capital Services, Resurgent Capital Services can not produce the applications for credit in my name XXXX XXXX XXXX nor will they supply a copy of the contract between XXXX XXXX band and Resurgent Capital Services to verify that both accounts are valid and that they own the two fraud credit card accounts. Resurgent Capital Services as of this date XX/XX/2017 is reporting False and incorrect information pertaining to both fraud credit card accounts to the credit reporting agencies. Fraud/Identity Theft report has been made to my local police department # XXXX and also made to the Federal Trade Commission FTC report # XXXX
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
I have been trying to rectify a collection account on my credit report for over a year and I am at my wits end. I originally had a XXXX XXXX account with XXXX and was having no issues until the XXXX XXXX. I am now XXXX and was given a payment plan to have my payments reduced in 2020 due to a financial hardship. I made all of my agreed upon payments. At the time my balance was approximately {$3000.00}. After about 90 days, I was told my payment plan was no longer valid and my balance ballooned to over {$10000.00} due to interest accrual. I was informed that I was given erroneous information about how long my new plan would last and was sorry for the misinformation. Soon after, my account was sold unbeknownst to me to another company for collection. I did not authorize my personal information to be given to anyone. There are now 3 companys sending threatening letters and have my PERSONAL information in their possession. The companies are Resurgent, LVNV LLC and now XXXX XXXX XXXX XXXX is sending threatening letters. I understand XXXX charged off this debt and sold this account to these additional predators. This is wrong and I have sent numerous letters to XXXX, XXXX and XXXX to no avail disputing this account from LVNV and the amount owed as I do not know who they are or how they got my personal information. I definitely did not sign any contract with them.
|
| 10/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 10/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have continuously tried to get 3 companies who have mistaken me for someone else and are reporting negatively. I have contacted XXXX, XXXX and XXXX multiple times to have these removed and they just send me back a " verified '' for them. I have personally requested signatures or ANY documentation to show these are mine but they will not as they CAN NOT verify it is me because it isn't. My name is XXXX XXXX XXXX XXXX and I do not have nor have I ever had these accounts but I can not get them to send me documentation to prove it is me. I have contacted each company and they will just say verbally that it is me because they just want payment from somebody.
Please help me to get these removed from my credit report as I can not buy anything with this listed and they are not mine! I have had this all my life as I have even been threatened for bills prior to XX/XX/XXXX which is when I was born.
The creditors that show on all 3 reports are : LVNV Funding for {$3200.00} XXXX XXXX XXXX for {$2600.00} XXXX XXXX for {$1900.00} If they will send me documentation to show MY SIGNATURE, I will pay these off but they won't because they know they have made a mistake and now just want their money.
Please Help as the reporting agencies just get a " verified '' back which doesn't help me.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I was effected with identity theft due to my illegally name change in the database system reported deceased illegally without a death certificate illegally data of birth change cause me to not gain credit assistance denied credit letting other companies gain credit card an mortgage loans in my name making my credit score to decrease to poor knowing I never had anything in my name identity theft I was effected in XXXX database identity theft never received my settlement if they can't provide 2 form identity card by government law name an an birthday incorrect they company 's that reported should be hold acceptable for the action should be deleted off my credit report I half to suffer knowing I get turn down because my credit is XXXX because other companies saying I owe them for stuff I never applied for my credit is in good standard I fill like I should fill a lawsuit against the them for allowing them to do that an report false information cause me to go through this stress I get denied credit from everyone can't even get a home loan due to poor credit for allowing them to be placed on my credit report knowing my data of birth is incorrect no debt no nothing with out identity cards on file thats the government law in the United States apply for credit u should have identified card on file nobody should use false information to gain credit in someone name
|
| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was contacted by XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. Regarding two debts which XXXX claimed was assigned to them by LVNV FUNDING- RESURGENT. One debt was {$680.00} reference number XXXX, the other in the amount of {$810.00} reference number XXXX. They offered me a settlement for both accounts and that they in return would remove both negative accounts from my credit bureaus reports. Though this is a different time for me financially, I decided to sacrifice the little money I had in an effort to improve my credit rating by eliminating bad debt. On XXXX XXXX I spoke to a supervisor Ms.XXXX XXXX that ensured me that once the payment was made both accounts would be removed from my credit bureaus reports. I made a payment for the agreed settlement amounts on XX/XX/2021, the payment cleared my bank account on XX/XX/XXXX, XXXX also received a receipt from XXXX XXXX XXXXXXXX XXXX XXXX confirming that the payment was received and both accounts were settled. As of today XX/XX/2021 both accounts remain on all three credit bureaus. These accounts were settled and paid as agreed by the creditor/collection company. I would like both accounts removed from all three credit bureaus as agreed as this is a violation of the Fair Credit Reporting Act ( FCRA ). Please see all attached correspondence related to the settlement and payment of the above referenced account.
|
| 01/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX was sold an account from XXXX XXXX and has been reporting Account number XXXX with a amount due of {$3400.00} on my credit report. In XX/XX/XXXX and XX/XX/XXXX, I sent XXXX XXXX numerous debt validation letters via certified mail and they have not followed the FDCPA and provide me with the following : Validation of Debt Request, Proof of you right to/collect this alleged debt, balance claimed including all fees, interest and penalties, contract being my personal signature, license proof to collect debts in my state. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX and they removed them from my credit report, however, within days XXXX XXXX was added back to my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a letter, on behalf of XXXX XXXX, trying to collect the debt of {$3400.00}. In the letter it states " because of the of the age of your debt, XXXX XXXX will not sue you for it. '' I sent debt validation letters via certified mail to XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. However, they have not followed the FDCPA and provide me with the aforementioned documentation. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX XXXX XXXX and they removed XXXX Funding from my credit report, however, within days XXXX XXXX was added back to my credit report.
|
| 02/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Regarding : Breach of Contract XXXX XXXX Account Ending in Visa Credit Card XXXX {$1300.00} Case Number XXXX XXXX Dear Sirs ; As a debt buyer I expect and require you provide a copy of the application for credit with my signature electronic or otherwise for proof this is my debt. According to my records this debt does not appear on any of the three XXXX, XXXX XXXX or XXXX credit reporting agencies credit reports was not authorized for me or by me was never mine I submitted a complaint to the XXXX. The ID # is XXXX.
I have submitted a complaint to Texas Attorney General My record keeping does not suggest I have this debt. They do not have any evidence to substantiate its claim that this debt Breach of Contract XXXX XXXX Account Ending in Visa Credit Card XXXX {$1300.00} Case Number XXXX XXXX is a legitimate debt. Furthermore, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt.
While I understand LVNV Funding LLC, ( LVNV ) buys past due debts from banks and finance companies. LVNV then hires Resurgent Capital Services LP ( Resurgent ) to manage that debt, and hires XXXX XXXX XXXX to prosecute consumers, this is NOT acceptable. You did not complete your due diligence in this matter because this is not my debt. I want your company provide proof this is my debt.
|
| 11/07/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
In the spring of 2018, i had a XXXX balance with XXXX, i had paid off the entire bill, when i received a check from XXXX in the amount of abour {$130.00}, i then called XXXX XXXX customer service and inquired about the reason for the check and should i cash it, they assured me that i had overpaid and hat i had received the check because my account had a credit balance. I cashed the check and the next month i received a bill for the amount that the check had been plus interests and finance charges, i called and was told i should not have cashed the check, that a mistake had been made, i tried to reason with hem and reported that i had called before cashing the check with no results. The amount now has gone up to about {$370.00} because of interest and finance charges. This was not because of a purchase i made but all stemmed from a check that they erroneously sent to me. From a {$130.00} check they sent to me to now to {$370.00}. It has now been put on my credit report, lowering my credit score so that i can not qualify for any loans or anything.
The XXXX account # wasXXXX XXXX XXXX XXXX financed through XXXX XXXX. The account was turned over to LVNV Financial, LLC C/O Resurgent Capital Services XXXX XXXX XXXX, SC XXXX, Phone # XXXX for collections and this is on my credit report. This all originated from XXXX XXXX/XXXX XXXX XXXX XXXX, FL XXXX.
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
i am writing to assert my rights and demand lvnv and consumer reporting agencies stop racketeering in attempt to extort me. i demand lvnv account be remvoved promptly along with all late payments on the report. LVNV has stolen my identity. I do not and have not ever consented or contracted with LVNV i have never consented to them sharing my information with anyone and this is a federal crime 18 usc 1028, 18 usc 1341. the supreme court has also ruled that LVNV is a debt collector meaning they are violating FDCPA. this is a misrepresentation and misleading. they have purchased my personal information which is also illegal discclosed my personal information which is also illegal. compromised my identity and privacy. this is a gross violation of my rights and will be treated as such. All claims by this false creditor are hearsay and could never be admissable in court. if lvnv doesn't want to be sued i highly suggest ease and desist. This is also a violation of XXXX, XXXX XXXX XXXXXXXX. this is also a breach of contract.Transactions and experiences are to be excluded from the report. 15 usc 1681a ( 2 ) a ( i ) the fees for these violation are around XXXX per set of violations. Im giving lvnv and the consumer reporting agencies 5 days to cure these infractions after which i will be charging XXXX for violations and lawyer fees. the date XX/XX/XXXX XXXX XXXX
|
| 07/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
LVNV FUNDING c/o Resurgent Capital Services has been reporting a collection account on my consumer report which violates my federally protected consumer rights. I have sent the company debt validation letters pursuant to 15 USC 1692g demanding they validate the alleged debt account with information on the original creditor and provide the name and address of the " original creditor '' and show any ledger and any type of " delegation of authority '' to confirm that LVNV FUNDING c/o Resurgent Capital Services is owed a debt from me, the natural person/Consumer pursuant to 15 USC 1602 and they have failed to provide any documentary evidence to show that their claims are true and I owe any alleged debt and to prove that they have right and authority to collect any alleged debt from me. LVNV FUNDING c/o Resurgent Capital Services is reporting this information on my consumer report creating an adverse action pursuant to 15 USC 1681a ( k ) ( 1 ) and has caused damaged my reputation and caused financial loss and the loss of my security clearance and are civilly liable pursuant to 15 USC 1640 and criminally liable pursuant to 15 USC 1611. LVNV FUNDING c/o Resurgent Capital Services refused to show me any proof of where this transaction originated and how I ended up owing them any alleged debt and failed to prove how they ended up with my personal information.
|
| 01/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This complaint is in regards to XXXX ( Resurgent ), along with XXXX ( XXXX XXXX XXXX ). Upon researching, The alleged current owner of the account is XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX, dba Resurgent Capital Services. With this being said, in the complaint # XXXX, there is NO MENTION of an open account, which is in the body of my complaint. My direct statement, made to a government official, on XX/XX/2018, via the XXXX portal is. '' Also refer to case # XXXX. I never received communications from said debt collector in regards to this account. According to my credit reporting files, Debt collector began reporting said account in XX/XX/2018, I was alerted by my credit report this is reporting as a debt collection as on XX/XX/2018. I was never notified by this company, therefore, this debt collection is invalid, and must be immediately removed, and reverted back to the source of original alleged debt. Also, according to my records, I have not received a phone call in regards to this matter as well. Thank you. '' My complaint in XXXX was in regards to credit reporting as a collection within several of my credit reporting files. That has nothing to do with an " OPEN ACCOUNT ''. The explanation given to the CFB is a blatant violation of credit reporting laws, as my complaint was misconstrued to where it appears as a legitimate answer to my complaint.
|
| 06/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The Co. we are making the complaint against is : Resurgant Capital Services L.P. Sherman Acqusition, L.P. regarding an old XXXX Credit card from XXXX. There were 3 judgments made : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX first for {$4800.00} then jumped to {$9700.00} don't really understand how they could even try to collect {$4000.00} let alone XXXX the credit card itself was only a couple hundred dollars.
I bought my home XX/XX/XXXX didn't even know about this Company or that the credit card still existed until they garnished wages after the 3rd judgment was made in XXXX, they also attached a lien on my home, we filed Bankruptcy XX/XX/XXXX. Bankruptcy was discharged XX/XX/XXXX so debt is NOT owed but they never released the lien. We have been trying to get a hold of Resurgant Capital Services L.P. for the last 45 days first phone call was XX/XX/XXXX told us to call back within 5-7 business days, called back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, at least once a week since then, last phone call made to them was today XX/XX/XXXX, We have even asked to talk to a Supervisor. Every time we call they tell us it is under review, call back on a certain day ... We just want paperwork with release of all judgments and lien and they keep telling us the same thing, it's under review. They have our paperwork / file right there what else do they need to review?!
|
| 02/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
HI; RESURGENT/LVNV FUNDING ( ALL ACCOUNTS UNDER MY NAME AND SSN ) : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 02/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
HI; RESURGENT/LVNV FUNDING ( ALL ACCOUNTS UNDER MY NAME AND SSN ) : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 10/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Resurgent, claiming to be a debt collector, has sent numerous letters which everyone has been replied with 10 business days.
The company has not given proof of validation, and regardless, they have reported this to my credit.
This alleged debt was bought from a previous debit buyer and I have requested a history of this best. All I am receiving is a last statement from the situation company allegedly money is owed to.
LvNV funding who is the debt buyer has already reported this, now this company is not only is not giving me sufficient paperwork and proof odmf debt, I have also reported identity theft to ftc, numerous time. This company keeps mailing me sets of 8 different packets each with different responses I am not going to give information or my social security asking they stop this communication method and stop the threats while they have dinged my credit.
This account was a charge off in 2019.
The I formation states these are not original account statements and has been provided by LVNV,. Now this has been bought and sold so many times that I have no idea where this is coming from. I keep records and letters sent to these types lf agencies.
Although they say thus matter will be reported it already has I believe by tow agencies .please stop this .I am a spouse of an XXXX XXXX military and these people are ruining my credit Thank you
|
| 10/13/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Technically this was not identity theft and that is what is the crux of this issue.
I had this XXXX XXXX account as a starter card to rebuild credit. The max was {$300.00}. In a few months I received a letter asking me if I had moved and gave my " new '' address as in Louisiana Do n't live there, never been there. After working with the credit card company who could see that someone in Louisiana would run it up then " pay '' it off and charge up again before the payment bounced.
After they investigated, they sent me a letter stating the account was all fraudulent charges and the account was closed. This account was in my previous name, XXXX XXXX XXXX.
I never heard from them again ; not by phone or email or letter. Suddenly I 'm getting collection letters. XXXX companies tried to collect this " debt '' and instantly gave up when I would sent the letter from XXXX XXXX. This company, however, is not understanding the issue. They are asking for police reports and notarized identity theft papers. This was not identity theft. The letter I sent shows I owe nothing. Their threats in the letter are the usual and just before lodging this complaint I called this collections agency and said I would give them one more chance before I filed a complaint and all I got was attitude and attacks on my credibility. As promised, I am lodging this complaint.
|
| 04/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX locked me out of my account online. For about six months I called them continuously about it and the issue was never resolved. I received paperless billing so I could never see my bill, interest fees or credit card statement. They charged me {$5.00} every time that I would call and inquire about any problems that I was having or to pay my bill. I closed my account and asked for my previous statements that would show all my fees that I have not seen in six months. They were unable to verify any of my debt. Since than my card has been charged off and sold to another company LVNV Funding LLC C/O resurgent capital services XXXX XXXX XXXX XXXX, SC XXXX XXXX. I am requesting that credit one and LVNV be deleted from all three credit bureaus due to inaccurate, incomplete and unverifiable information. My rights have been violated under the FCRA.
I have contacted them and sent a letter, they sent me my last bill statement but I need to see my history of my account for the last year due to fraudulent charges. They were unable to provide me with this information.
XXXX XXXX has been deleted from my XXXX account but not all three credit bureaus.
Since it was deleted from one, they should be deleted from all three. Please see the attachment. I have also filed a complaint with the Better Business Bureau for fraud.
XXXX complaint # XXXX.
|
| 08/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
The original creditor was XXXX XXXX XXXX and I closed the account. I started paying the account off through XXXX XXXX XXXX and every time I called to make a payment they kept trying to reopen the account and they kept charging me more money. So I stopped paying them. Earlier this year I checked my credit report and saw that I owed XXXX to XXXX XXXX XXXX and I disputed it with the credit bureau and was informed it was taken off my credit report but it was not taken off. I contacted LVNV and was sent to Resurgent Capital Services and they sent me a copy of a payment I made to XXXX XXXX XXXX and in the correspondence stated that if I disputed the validity to contact them within thirty days in writing. On XX/XX/2020 I sent a letter to Resurgent Capital Services disputing the validity of this debt within the 30 day time period allowed and have not received any communications from them. Today, XX/XX/2020, I called Resurgent Capital Services and was informed that they never received my letter. I did my due diligence and Resurgent Capital Services has not done their part. XXXX XXXX XXXX is still contacting me to reopen my account with them. This account has gone through 3 different collection agencies and I have had phone calls from 2 collection agencies at the same time about this account. I want to settle the account and get this off my credit.
|
| 11/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
LVNV Funding has sent collection letters to me over the past XXXX years for the same debt. Each time a letter is received, I have sent a request for validation. LVNV has never validated the requests. I have reached out to each credit bureau and advised them that the debt was not validated. The credit bureau removed the accounts in late XXXX. I have now checked my credit report and see that they have once again added collection accounts that have already failed to validate. All validation requests were sent via certified mail. Copies of certified mail receipts were sent to each credit bureau as proof of delivery.
XXXX account has already been removed by the original creditor due to fraud. How are they able to keep collecting?
How are they able to continue to collect by using different companies to represent them. XXXX. XXXX XXXX, XXXX, XXXX & XXXX. This is true harassment. ( XXXX XXXX allows you to dispute via their site. I only have documents to show that they reached. I am unable to view my disputes via their portal. However, it does show that they reached out at the same time as LVNV, which is a violation. ) At this point, I know that I am being harassed and my rights are being violated.
Account number XXXX Collection opened XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX Account number : XXXX Collection opened : unknown
|
| 02/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Dear LVNV FUNDING/Resurgent Capital services ; XXXX XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 07/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS.
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH XXXX XXXX XXXX. LV N FUNDING XXXX XXXX XXXX XXXX YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE..
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXXYOU ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVN FUNDING ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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XXXX. Point : Garnishing federal benefits should stop and be refunded.
XXXX. Suggested outcome -- Pay me restitution of XXXX for benefit garnishment and administrative fee XXXX for use of address and SS number.
XXXX. Statement of Facts : XXXX XXXX XXXX - Request and writ for garnishment date of issue XX/XX/2022, is not a copy of the original.
XXXX XXXX XXXX - Request and writ for garnishment date was not ( wrong address ) received by me in XXXX.
XXXX XXXX : XXXX Compensation is direct deposited into XXXX XXXX and a percentage as needed is transferred to XXXX XXXX opened in XXXX.
XXXX XXXX 's XXXX program provides both community service and work-based training. To participate, you must be : XXXX or older ; have an income not more than 125 % of the established federal poverty guidelines. Federal funds are direct deposited into XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XX/XX/202XXXX XXXX XXXX - XXXX XXXX XXXX XXXX {$460.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXt {$460.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$410.00} XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX - {$15.00} XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$13.00} xxxx Closed!!
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| 03/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX, I was contacted by a 3rd party stating that they were trying to serve me legal papers for a collection agency for a debt that was owed in XXXX. She stated that they tried to contact me back in XX/XX/XXXX and they were now pursuing legal options and they would be placing a judgment against me. I explained that I had already submitted a debt validation letter and the information that they sent me was not suffice to establish that this was my account. She then said they would continue to pursue legal action and I explained I did not believe this was my account. She then said well I doubt a criminal would pay an account on time for years and then not pay all of a sudden. I then explained that this debt is way past the statute of limitations and she explained that according to their tolling agreement when approving the credit, the creditors can do whatever they want to pursue this debt and then she told me to XXXX it. I told her to do not call me again, I would be sending a cease and desist letter and she said she would notate the account and hung up in my face. The collection agency is LVNV Funding LLC. The 3rd party that contacted me on their behalf just said they were legal services but the phone number is ( XXXX ) XXXXThey also called an ex boyfriend of mines as well and provided him with information that they shouldnt have.
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| 12/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/2018, I received alerts that two collection accounts had been added to my credit reports. I looked into the matter and noticed they were from XXXX/Resurgent in the amounts of {$2900.00} ( the cents change ) and {$1100.00}. I sent certified letters asking for proof that I have a contract with this company. Validation was " confirmed '' through a letter by simply stating it was verified. They provided me with no signed contract or any paperwork for that matter. I sent a second round of certified letters asking for validation. ( Please see attachments ) XXXX/Resurgent then sent a letter on XX/XX/XXXX, days after they received my second round of letters, stating they will not continue to respond to my request for validation without additional information. I have no additional information! I have no information other than what is reporting the the credit bureaus. This company is in violation the FCRA and FDCPA. They have no contract with me. I owe them nothing, yet they continue to badger me with letters and report this erroneous information on my credit reports. I also contacted the credit bureaus. They have " verified '' the information. Interestingly, they too were unable to produce any documents of my signature showing these accounts belong to me. Other than empty rhetoric, XXXX/Resurgent had nothing to offer by way of validation.
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| 06/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
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| 06/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2021 I was served paperwork by a private server that stated the alleged debt for a credit card and the fact they were prepared to take me to court. I responded XX/XX/2021 to the attorney who filed, XXXX XXXX XXXX at the address given to me on the papers served, as well as several letters to LVNV Funding disputing said debt. Time passes and I do not hear back. I assumed they had dropped the issue due to my dispute and my statement of limited employment due to a XXXX. I was then sent, by mail, papers from XXXX XXXX XXXX in XXXX that since i did not respond nor show up for court a default judgement was ordered. I sent a copy of the dispute letter to both the court and XXXX XXXX XXXX again stating that i did respond and that I was never notified of a court date so I was disputing the judgement. Again, I here from no one. I look up my info on XXXX to get answers and I see it was posted that there were no findings of me telling the truth. Plaintiff stated nothing was received. I sent the prof. and no one can tell or show me how I was notified of a court date. I was completely dismissed. Now the same creditor, different lawyer is trying to do it again with a different debt. I feel since I am so close to the statute of limitations for credit card debt that they are just pushing things through with no regards to my rights or policies.
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| 08/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.
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| 10/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Resurgent Capital Services provides me with competent evidence that I have any legal obligation to pay them. I am asking Resurgent Capital Services to please provide the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt. 2. The agreement bearing my WET 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 Statue of Limitations has not expired. 5. Complete payment history on this count along with an accounting of all additional charges being assessed. 6. Tell me that you are licensed to collect my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Resurgent Capital Services immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX and XXXX ). I also demand that Resurgent Capital Services agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that Resurgent Capital Services agrees to remove my personal information from all accounts in its companies database.
|
| 04/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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The philosophy of XXXX XXXX and LVNV seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a XXXX XXXX XXXX. This is a direct violation of Federal Law 15 U.S.C. 1681.
I also disputed the presence of XXXX XXXX XXXX being listed on my credit reporting file, I have not received documentation from either XXXX or XXXX XXXX XXXX as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file.
I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file.
How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?
|
| 04/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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The first attachment is the complaint which shows how Resurgent/XXXX failed to explain who they are. They failed to provide proof of licensure within five days as required by CA law. They failed to provide any signed original agreements for either of the debts alleged owed. Their tactics had measurable adverse effects on my XXXX y/o father suffering from XXXX and my elderly mother suffered a XXXX XXXX. They should not be contacting any of my family members in the first place but measurable effects in my opinion are my father 's XXXX advancing including taking his XXXX catheter and dumping his XXXX on himself, eating and smearing his own feces and believing men and women were going to kidnap and execute him because those people were looking for me and they were going to serve papers and come to the door. Not only did Resurgent use tactics which might scare an ordinary person, those same tactics are actually catostrophic for a person experienced XXXX. Not to mention all of this happened while I had Covid multiple times and have long term effects and I also have XXXX XXXX XXXX. Basically their conduct in my opinion made my father suffer emotionally and physically as well as my mom and then I had watch all of this happen and there was nothing I could do. And Resurgent, doesn't even bother to directly address any of my questions directly.
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| 06/16/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I opened up a XXXX XXXX credit Card in XX/XX/2018 at XXXX XXXX XXXX XXXX. After opening the card I was attempted to pay off the purchase that made the same day that u opened the card, however I was told that I had to wait until I received the credit card. In addition, I was told that I would receive the credit card in approximately a week. After a few weeks lapsed I never received a card, months went by and I still havent received a card. I reached out to XXXX XXXX via phone and explained to them that I never received a card in the mail and nothing was done. Therefore, I went to the store where I opened the card and was able yo pay off the amount of roughy {$38.00}. I paid off the balance with the manager at the time and I explained to her that I never received a card and wasnt able to pay the balance. After about a year I never received the card but I received a letter stating that I owed $ XXXX. I explained to the company that I never received the credit card in the mail and that I had paid off the debt that I owed. Furthermore, I asked for the location of the store where the items were purchase and what was purchased, no one was able to disclose this information to me, and they offered me a settlement of approximately {$170.00}, and I explained to them that I had already paid off my he credit card, despite me never receiving one.
|
| 10/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was a victim of identity theft XXXX XXXX XXXX two acount, XXXX XXXX XXXX /Lvnv funding LLC two acounts XXXX, XXXX XXXX XXXX XXXX . File police report with the city of XXXX Police department. Hire an attorney submitted some letters regarding the California Rosental act and Federal fair debt collection Practice Act. Also contacted the district attorney XXXX XXXX and Office of the Attorney General XXXX XXXX. I wrote to the XXXX Corporation I never got anything from them stating account was closed so they hired another The Collector by the name of XXXX XXXX XXXX. Send me those letters from my attorney and never got any kind of response back to them from them. The other company XXXX they closed account after I submitted all the documents but failed to report it to the credit bureaus. In their records indicates everything still open, even though I got a letter from then to state in the council is already closed.
Last but not least XXXX XXXX XXXX / Lvnv funding LLC I submitted all the paperwork too. Police report affidavit. I'm still the accounts are not closed how to swim in a few letters they close one of the cancel the one that left it open and they hired a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. And they're suing me I feel the fact that I contact their office and give him all the information as well.
|
| 03/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
|
During the year 2017 I went to XXXX XXXX to purchase a bed, and wanted to use my XXXX XXXX card to pay for it. The limit on the card was {$700.00}, and I requested them to raise the limit to {$2500.00} so that I could pay for the bed. They rejected my request, saying that there was an outstanding debt reflected on my credit report. I knew nothing of any debt and immediatelt went to the credit bureau to see what this could be. I was horrified to find that on XX/XX/2017 a company, LVNV Funding LLC, supposedly acting on behalf of XXXX XXXX, XXXX, had lodged a debt owing of {$460.00}. I have never heard of either company, and requests to them to have this removed have gone unanswered, and my complaint to the credit bureau was negatively responded to, and they told me to contact you.
Because I do not have any credit cards or other debts other than my home and car, I haven't worried too much about it, but I just had my car refinanced by my bank and they mentioned this to me again, and penalised me because it was still unpaid by adding 2 % onto the interest rate that they would have charged me had it not been there.
I have copies of the correspondence sent to both LVNV and XXXX XXXX should you wish to see them, and I would be grateful if you could advise me what further steps I can take to get this debt removed from the credit bureaus.
|
| 03/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I took a look at my credit report and saw LVNV Funding was reporting a negative account in collections. I never heard of this company and don't know who they are. On XX/XX/XXXX I mailed out a certified letter requesting validation of the debt and for them to correct their records.
Months pass and still no verification of the debt whatsoever. I reached out again requesting validation of the debt and it looks like I got some fake looking paper with some numbers on it with another debt collector ( XXXX XXXX XXXX ) on there saying they are now collecting for LVNV Funding. It looks like my attempts to have LVNV validate the debt and show proof, are being met without any effort to show validation. This has impacted interest rates, housing opportunities, and completely changed my life. I have done my due diligence, I have wrote them politely asking for proof and validation and I don't get any response with factual information. I sent out my first letter over 5 months ago and have given them ample time to provide validation of the debt. This is a complete violation of my rights.
LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX I am including pictures of the certified mail receipt, the letters I sent starting XX/XX/XXXX and the only piece of paper LVNV Funding and Frontline Asset Strategies have sent me which is not anywhere near validation.
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| 02/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. LVNV FUNDING LLC is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * XXXX XXXX * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.
|
| 11/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
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Web |
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On the XXXX XXXX, XXXX, I received another mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, representing a debt collection agency, LVNV Funding LLC, in reference to an old, XXXX XXXXXXXX account, from almost two decades ago. The letter did not state or specify an actual amount owed, but threatened to garnish my wages, if I do not respond within 10 days. Not exactly sure if these scoundrels who pose as debt collectors really think that Im some type of ignoramus or a pushover, that will easily cower to their chicanery. Let me make it clear, for the umpteenth time, that I do not owe this debt, and wont fall for their perfidy. Keep digging up old, unsubstantiated accounts, and I will continue to report you to the CFPB, until you become moribund and out of business! Might I also add that I conducted a search, using the docket number XXXX, XXXX XXXXXXXX XXXX XXXX, associated with the account, and turns to be non-existent. A complete sham! The courts website : portal.courts.gov, does not have anything remotely close to this dubious judgement. This is a time-barred account that totally lacks merit, and in all pithiness, null and void. Finally, this is a cease and desist letter adjuring LVNV Funding LLC, its associates and subsidiaries to stop, henceforth, any communication or correspondence, regarding this meritless account or debt.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I recently pulled my credit report and seen that several companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I had spoke with the XXXX XXXX and XXXXXXXX XXXX because the amounts are inaccurate i never had a card over {$300.00} so i am unsure where the debt oXXXX XXXX XXXX comes from and then i explained that i had been frauded by my XXXX when i was ill then the lady died and all of a sudden i get out the hospital and i have these bills and debt on my credit cards that wasn't used they have a history of not being used to being maxed out. This has destroyed my life! Then the cable company XXXX ran my credit report I had an old account that with another company through a package deal for rental. The representative was supposed to cancel the bill they didn't they ran my credit then denied me, when i never applied for service. Then i have companies that I have not done business with on my credit report account i have never worked at a bank nor had those numbers i have had the same number for 10 years all these multiple inquires on my report where people are having my information ran in the system i keep trying to explain to them its not me the person that committed the fraud passed away not long after the incident in the state of ohio you cant file a police report on someone you know due to the law so it becomes civil
|
| 01/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance credit reporting act. The accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account # XXXX, Account Name, LVNV FUNDING LLC has violated my rights.
15 U.S.C 1681 section 602 A. States that I have the right have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
1. An acknowledgment of the dispute within thirty ( 30 ) days. 15 USC Sec. 1666 ( a ) ( 3 ) ( A ) ; 2. If the error is not corrected, a written explanation report following a reasonable investigation, including the production of documentation evidence, within ninety ( 90 ) days. 15 USC Sec.
1666 ( a ) ( 3 ) ( B ) ( ii ) ; and 3. No restrictions or adverse actions on the account, pending resolution. 15 USC Sec. 1666 ( d ).
FAIR CREDIT BILLING ACT VIOLATIONS. Failure to follow the rules pending resolution : 1. Relinquishment of the right to collect any alleged debt on the account. 12 CFR 226.13 ( d ) ( 1 ) ; 2. Exposure to liability for actual damages plus twice the amount of the finance charges. 15 USC Sec. 1640 ( a ) ( 1 ) & ( 2 ) ; and 3. Potential criminal liability for willful and knowing violation of the FCBA and other Truth in Lending provisions. 15 USC Sec. 1611 ( 1 ) & ( 3 ).
|
| 03/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I just saw this DEBT BUYING company is constantly updating on my credit report. I sent LVNV a debt validation letter by way of the credit bureaus I asked for : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Familiarity with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that they own the debt with full clear title ( 8 ). Proof that they were on the original contract ( 9 ). Proof they are bonded in the state of Florida ( 10 ). Proof they are who they claim. They did not respond, so their account has to be deleted due to the violation and i asked for a cease and desist phone calls and letters. they are still contacting me ( violation 1 ) now its XXXX of XXXX, they sent me another letter by way of a process server. ( violation 2 ) Not only were they unsuccessful in serving me, they served my UNDERAGED nephew that was visiting my home. ( violation 3 ) They never sent me a dunning letter to begin with. ( Violation 4 ) This company is illegally soft pulling my credit report.
They are in violation of the FDCPA ; i will be filing a compliant with the FTC, XXXX, AG, and others.
|
| 08/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I wrote a letter to the company lvgn funding resurgent capital disputing the alleged debt. I requested this company on 3 different occasions to provide documentation to support the claim owed. I also requested the company to ciest and disest any communication except by mail. This company mailed a letter providing the name of the original creditor on the claim with no supporting documents. I requested a second time for original documents bonding contracts billing statements and still have not received. This company continues to report this debt on my credit knowing the debt is fully disputed as I have no knowledge of the debt and believe it is fraud. The address the company showed I did not live at that address. There is no history proven payments made or even signed purchases or authorization of the account to be open being provided by the company. I have been very transparent with this company in an attempt to resolve the matter and I have gotten no where.This is very bullish practice to not provide documents to validate a debt and continue to make attempts to collect. I am demanding this company provide me with validation of the debt as I am entitled per the law. This company is in violation of the FDCPA and would like for your company to enforce this company to honor my legal rights as a consumer so this matter can be resolved.
|
| 04/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX, XXXX sold my debt to LVNV LLC which I do not owe anything. XXXX XXXX sold my debt and my sensitive information such as my social security number to XXXX XXXX XXXX , XXXX .
Without my explicit either written/oral permission I never gave my Social Security Number to LVNV FUNDING LLC which it used my sensitive information and report me to XXXX.
I'm responsible for the amount XXXX to XXXX XXXX.
XXXX XXXX invaded my credit report 10 times starting from XX/XX/2018 to XX/XX/2018. I assume once is good enough but not 10 times.
They placed my account as derogatory account. They sold out my debt to XXXX XXXX XXXX XXXX which they used LVNV LLC to invade my credit report and report me as Derogatory account.
I'm responsible for such amount but I don't know how much interests they added that's another thing, however, what makes me vulnerable is the fact my personal information was sold to third parties and they can invade my credit report as much as they like.
There is no records of phone calls either permission gave to LVNV FUNDING LLC.
LVNV FUNDING LLC XXXX XXXX XXXX XXXX SC XXXX XXXX PHONE NUMBER XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX IL XXXX PHONE NUMBER XXXX XXXX XXXX XXXX I can prove providing to the Federal Agency this information which is accurate. I can provide my credit report through XXXX XXXX.
|
| 01/09/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
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On XXXX XXXX I called XXXX XXXX Bank to inquire about a debt that I had. My call was re-routed a customer service representative at Resurgent Capital Services who stated that the debt owed to XXXX XXXX Bank was not handled by that financial entity. She proceeded to tell me ; however, that I owe {$1100.00} to XXXX XXXX Bank, an account that had been opened in the year XXXX.
I proceeded the tell the customer service representative that I had already paid the debt to XXXX XXXX Bank approximately 10 years ago and that I had closed the account. Furthermore, I told her that the deb to XXXX Bank showed as Paid on my credit report. She told me that it did not matter and that I still had to pay the debt.
On XXXX XXXX I received a letter from Resurgent Capital Services stating that I have a current balance of {$1100.00} which is not accurate. I spoke with XXXX at XXXX Bank today and she confirmed that my previous balances were paid and that I do not owe any thing. I checked my credit report today and it states that XXXX accounts with XXXX XXXX, each for {$250.00}, were satisfactorily paid in the year XXXX. Upon completion of the payments, I closed both accounts.
XXXX also mentioned that former and current XXXX XXXX card holders have complained about Resurgent Capital Services mailing them letters regarding erroneous outstanding debt.
|
| 07/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Response to your XXXX Party Letter of Treat by Mail.
The indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX PO XXXX.
XX/XX/XXXX From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX To : LVNV Funding, LLC c/o Resurgent Capital Services, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX Dear 3rd Party Collector, As I have NO Contract with you, SIGNED CONTRACT CONSISTS OF TWO PARTIES, SAID OWNER OF XXXX XXXX & myself, please produce, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats.
As of today I have presented a Credit Set-Off Settlement to the " XXXX XXXX Bank account ending in 2296 for the Full Billing Amount, along with an IRS 1099A in full compliance with the Commercial Banking Laws of 1933. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and all workers to credit bureaus and sue for damages with a lien.
Thank you for your time and have a nice day.
Honorably yours, By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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|
Web |
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Having financial hardship after XXXX, I fell behind on my XXXX credit card. When I became financially sound, I negotiated a auto payment plan with XXXX 's collection agency.
However, after a year of auto payments, unknown predatory collection company LVNV Funding LLC bought the debt and demanded I pay the debt in full, or they were going to sue me.
I called XXXX and said the debt was discharged.
LVNV harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this XXXX I was wrongfully sued by a predatory law office XXXX who works for LVNV.
After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed.
Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work.
Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.
|
| 06/01/2016 |
Yes |
|
- Customer service / Customer relations
|
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Web |
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The company XXXX XXXX XXXX has been harassing me for two years now demanding payment from me even thought I have paid off this account as agreed and have file bankruptcy a few years ago on this account they keep trying to collect from me. Now they have contacted another collection company to called LVNV to try and collect monies from me and have violated my rights under the Fair Credit Reporting act-they have put this inaccurate information on my credit report which has caused my score to drop XXXX points which has made it difficult to by a XXXX unit building. The current company that has been harassing me is XXXX XXXX bank in XXXX XXXX NV. I have also looked online for information regarding LVNV most consumers state that the company is a scam. I have contacted LVNV and they are not pleasant to talk to and they have not done their due diligence regarding if this was a valid debt. They just sent negative information on my credit report which has affected my life tremendously, XXXX XXXX XXXX has been harassing me also for the last two years I paid the credit card off and on my credit report from Equifax in the year XXXX/XXXX/2014 states that XXXX has been paid as agreed and they close the account and now trying to get more monies out of me. I called they customer service number and they state their is nothing they can do about it.
|
| 09/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company LVNV, Resurgent still continues to report on my credit by continuing to violate my consumer report. I have now filed a police report and ftc report and attorney general report. Your companies continue to pass my consumer report amongst each other extorting my credit causing harm against me without proof of any kind. Be advised pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g you failed to provide validation. Now I am sending you a cease and desist next will be legal actions. You have been reporting invalidated information to my credit bureaus ( XXXX, XXXX, or XXXX ) this action now constitute fraud under both Federal and State laws. Due to this fact if any negative mark is found on my credit reports upon receipt of receiving this notice. Any company you represent, any attorney that represents you or the companies that are attach to you or that represents you. I will not hesitate in bringing legal action against you or any parties. Let me remind you, you have been also in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. Cease and Desist of reporting anything on my consumer report. Also from selling my signature or any information of mines to any other companies, Any fake Attorneys or any other companies that are tied to you.
|
| 09/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Last week I received a letter from XXXX XXXX XXXX XXXX stating that they are a debt collector trying to collect a debt that I allegedly owe LVNV Funding LLC.
I do not owe LVNV Funding LLC anything. I have never had any contract with or obligation to them. I dispute the entirety of the alleged debt. This is my formal notice to them to cease and desist all contact with me ( including spouse and family members ) from all sources other than the US Postal Services and that is if and only if, it is : 1 ) To provide documentation that validates the alleged debt, which should include all official, certified, unredacted documents, including all forward flow agreements, as well as the alleged original creditor information 2 ) To provide proof that I have any legal obligation to pay you or LVNV 3 ) To inform me that you have zeroed this alleged debt and disassociated it from me 4 ) To inform me that you have removed all references to the alleged debts account number from all credit reporting agencies and that you have informed them to delete the same 5 ) To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector and/or 6 ) To inform me that you have issued settlement funds for violations for actual, civil, and/or statutory damages in an amount that is to be determined.
|
| 05/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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On XXXX XXXX I became aware that XXXX/RESURGENT RECEIVABLES violated Regulation F subpart B 1006.6 communications in connection with debt collection. XXXX/RESURGENT RECEIVABLES did not receive consent to access my consumer report nor had express permission of the court. XXXX/RESURGENT RECEIVABLES communicated with me thru my credit report and it unusual and inconvenient. I later received some correspondence with a statement and coupon from another company. XXXX/RESURGENT RECEIVABLES has violated my privacy and I fear that my private information has been sold or told to parties I have never agreed to contract with. The original creditor is not listed, and I have no knowledge of this account. I REFUSE TO PAY THE ALLEGED DEBT & I DEMAND THAT ITS DELETED AND REMOVED FROM MY CREDIT FILE. XXXX/RESURGENT RECEIVABLES is to cease and desist any collection activity on this account. WHERE IS THE CONTRACT BETWEEN ME AND XXXX/RESURGENT RECEIVABLES? HOW MUCH WAS THE DEBT AQUIRED FOR? WHO BOUGHT THE DEBT? Where did you receive permissible purpose to report anything or access my file? XXXX/RESURGENT RECEIVABLES violated 15USC 1681b2 at least 3x by reporting this disputed debt without my express written permission to XXXX XXXX AND XXXX. XXXX/RESURGENT RECEIVABLES has violated 15USC 1692 and will be held liable under 15USC 1692k and 15USC1681Nb.
|
| 06/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is in response to CFPB Case # : XXXX This complaint is to point out the violations of this company and seek proper resolution. To start there is no legally binding contract between LVNV LLC, its affiliates, and myself, a federally protected consumer. I, the consumer have no relationship with LVNV and their affiliates. With respect to the violation of the FDCPA LVNV has committed they are as follows. Violation of 15USC 1692b ( 5 ) as the letter attached and sent in a previous complaint where LVNV stated it was their initial communication violated this code by having symbols and language that indicated the debt collector is in the debt collection business. LVNV is also in Violation of 15USC 1692c ( a ) as they have no consent to have communicated with the consumer. Additionally they are in violation of 15USC 1692e ( 1 ) and 15USC 1692e ( 2 ) as LVNV are attempting to collect an alleged debt for services they have NOT rendered and an erroneous balance owed to LVNV. That is false and misleading.
Additionally, LVNV has violated 15 USC 6802 ( b ) ( 1 ) ( b ) and 15 USC 6802 ( b ) ( 1 ) ( c ) as they did not provide the consumer opportunity to opt-out of having my nonpublic personal information disclosed to third parties without consent as well as, i was not given an explaination of how I can exercise that non disclosure option.
|
| 08/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have these accounts that does not belong to me and want them to be removed from my credit report asap.
XXXX XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
XXXX XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
XXXX XXXX. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 01/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I tried to get all credit bureau to get this collection agency to verify that I owe the debt multiple times, by having this collection agency mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. And received a letter from agency offering a discount to settle sent home but no verification. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from those agencies showing proof. Those collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is their authorization of law for their collection of information? What is their authorization of law for of their collection of this alleged debt? Please evidence their authorization to do business or operate in the state of New York. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Until these validation is shown and complete, I will be seeking proof of such debts from collection agencies.
Attached is a copy of the last letter received from collection agency.
|
| 06/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic XXXX and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
|
| 10/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello and thank you for taking the time to read and address my concern : I was included in a Financial Institution and Credit Bureau Breaches, and have asked LVNV Funding LLC to provide the following : To provide an Original Contract Signed by me, to show proof that I authorized them to utilize any of my personal information.
I have written to the company address provided on my credit report SEVERAL Times.
They have a PO Box Address?? so I wrote to LVNV Funding, C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX I need to know if this is even a licensed company?? and if they have the authorization to utilize my personal information.
I am very concerned, as I do not know this company and have not authorized anyone to utilize my personal information.I wish no further contact and have requested expeditious removal of this debt.
As a Consumer under the Fair Debt Collection Act, I have a right to the know how and why they are using my personal information, and again I did not AUTHORIZE! I have been involved in breeches and this is of utmost concern. If they can not provide an original contract signed by me, I want these accounts removed, as they appear negatively on my credit report as Open Accounts!
Two Collections are on my report as Open one for {$1300.00} and another Open one for {$1000.00} dated XX/XX/XXXX.
|
| 02/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX, I sent a debt validation letter to XXXX XXXX XXXX requesting that they provide me with specific proof showing that I was responsible for the debt that they are reporting on my credit file. I was very specific in requesting that they provide me with a signed contract by me or verifiable proof that I agreed to pay their company and that I agreed to do business with their company. What I received in return, dated XX/XX/XXXX was an account summary that did not include my written consent to do business with this company. I then submitted a notice to XXXX, requesting that they provide me with the documents included in their file that prove validity of this account, what I received from them was an updated credit report showing this account updated and not deleted.I did not receive from either of these companies any signed documents. I believe that both XXXX XXXX and XXXX are violating my rights under the FCRA by reporting unverifiable information on my credit file.
I am asking that you assist me in getting a resolution to this unfair credit reporting tactic. Reporting unverifiable accounts is ruining my credit worthiness.
The account information that I have received from my credit report is : Account # XXXX Original Creditor XXXX/XXXX for XXXX and Account # XXXX Original Creditor XXXX XXXX XXXX XXXX balance XXXX.
|
| 08/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Subject : Inaccuracies and Misreporting on LVNV FUNDING LLC Account I recently identified multiple inaccuracies and inconsistencies on a credit account reported by LVNV FUNDING LLC, managed by Resurgent Correspondence. The primary issues include : Ambiguous Account Status : The reported status " XXXX '' is unclear and non-standard.
Mismatched Account Type : The account is categorized as " INSTALLMENT '' but detailed as " Debt Buyer, '' causing confusion.
Date Inconsistencies : The provided Date Opened ( XX/XX/2020 ) post-dates the Date Last Active ( XX/XX/2020 ), which is contradictory.
Unclear Payment History : The status " CO, '' indicating " Charged Off, '' is repetitive without proper context or validation.
Missing Details : Key information such as Monthly Payment, Payment Status Commentary, and Date of Last Payment are either absent or ambiguous.
Incomplete Two-Year Payment History : The reported payment history is inconsistent and lacks comprehensive data.
These discrepancies have potential adverse effects on my creditworthiness and present a misleading representation of my financial history. Despite multiple attempts to resolve these issues with Resurgent Correspondence, they remain unaddressed. I'm seeking the CFPB 's assistance in rectifying these inaccuracies and ensuring accurate and fair credit reporting.
|
| 07/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a notice in the mail about an alleged credit card from LVNV Funding LLC on XX/XX/XXXX. I immediately emailed them the same day and requested : their legally authority to collect an alleged debt without my knowledge or consent, the original contract between me and the original creditor showing where I agreed to the assignment of the debt, the original contract between me and LVNV Funding LLC with my wet signature, provide me with a verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service, Provide me with an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA, and the original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.
They ignored these direct request several times. All they sent me was account statements from a credit card bill which isn't proof I owe a debt. I responded to them stating they didn't provide me with the requested documents and since they dont have them to cease and desist all collection activities. They ignored that request and has added this alleged debt to all 3 credit reports XXXX, XXXX, and XXXX.
|
| 11/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing this complaint because I have disputed and contacted LVNV Funding about two debts that were fraudulent. I have contacted them previously and disputed formally a total of three times with the credit bureaus and directly with LVNV.
I made every attempt to complete my fraud claim with both XXXX XXXX and XXXX XXXX, but they both closed the accounts and sent them to LVNV Funding Collections.
On XX/XX/XXXX, I mailed a certified letter to LVNV Funding asking for account history and transaction history from LVNV on both accounts. They replied with letters stating when the accounts were opened and who was the original creditor, therefore providing no proof or documents requested. They are just " in house '' statements. The letters ( noted as Doc 1 and Doc 2 attached ) was manufactured by Resurgent Capital, a sister company of LVNV Funding- not by XXXX XXXX XXXX or XXXX XXXX XXXX.
I even enclosed an FTC Identity Report ( XX/XX/XXXX ) and mailed that to LVNV.
I again received documents stating that the debt was valid and they consider it to be " collectable ''. I updated my FTC Report today and attached it.
LVNV has no history from a transaction or fraud investigation perceptive, yet they are dismissing my fraud claims. Please see attached documents for review and I appreciate your assistance with this matter.
|
| 04/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
LVNV Funding LLC is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. LVNV Funding wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. LVNV Funding also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting LVNV Funding delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
|
| 10/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX LVNV FUNDING LLC account number ( s ) : XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
On XX/XX/2022 I disputed this account with the " creditor '' LVNVFUNDG. Below is a copy of the letter sent to them requesting validation, as it is my right. They never responded and they keep hurting my credit with negative erroneous information, causing me and my family great deal of stress, since we are in the process of buying a new home.
I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
I request proof of contract, with signatures and the contract, of all parties involved.
Provide a breakdown of fees including how you calculated what you claim I owe.
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.
Send me proof that you are licensed to collect debt in my state.
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
I expect to receive all the proof requested above within 15 days of this letter.
Sincerely, XXXX XXXX XXXX. Please do not call me. Use mail only.
|
| 10/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX a company named RESURSURGENT CAPITAL SERVICES started calling and sending emails which is a violation. 15 USC 1692 ( c ) states that without prior consent of the consumer given directly to the debt collector. 15 USC 1692 ( d ) which states a debt collector in collecting a debt, may NOT harass, oppress, or abuse any person. They have been calling and sending emails so much it's starting to interfere with work and my family life as well as my free time or me time. I have never done business with RESURGENCE CAPITAL SERVICES and I don't owe them no debt. These are just some of the emails or calls from these people. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Plus this is the XXXX company who has contacted me or tried to contact me. How many times can a so-called debt be sold? How am I supposed to know who is telling the truth or not. The other 2 companies XXXX XXXX XXXX XXXX. as well as LVNV Funding LLC. I tried to contact XXXX over at RESURGENT CAPITAL SERVICES which is the person where the emails are coming from however I was told multiple times by two people who answers their phone calls plus the team leader still couldn't talk to her.
|
| 12/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have repeatedly disputed an account from XXXX, XXXX that is listed on my credit reports in an attempt to validate this purported debt. According to my XXXX Credit Report, dated today, XX/XX/XXXX, XXXX XXXX is reporting that I have an account with their company (XXXXXXXX) with a balance of XXXX and a delinquency date of XX/XX/XXXX (see attachment). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on my credit reports. According to XXXX, XXXX, XXXX is a collection agency and should be able to provide documentation for this account, including, but not limited to;• The Original Signed Account Agreement and Terms and Conditions. • The Assignment and Bill of Sale for this account. • The Explanation of Accounting for the account balance of XXXX. In addition, if XXXX XXXX is indeed a collection agency, they appear to be misreporting the following information on my credit reports:• XXXX XXXX is listed as a financial services company.• The Loan Type identified as a Factoring Company Account.• Original Creditor is not listed.• No Charge Off Amount is listed.• No Date Closed is listed. This type of reporting is not aligned with Metro 2 Reporting Guidelines or XXXX XXXX XXXX XXXX instructions, and a potential violation of the Federal Credit Reporting Act.
|
| 02/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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While residing in XXXX Il at XXXX XXXX XXXX a Credit card was opened in my name by XXXX XXXX.
Ms. XXXX was dating my uncle which lived in the apartment below. She had access to my apartment because my uncle watched my kids at night while I worked. She would enter the upstairs apartment and use my personal computer. Which was not an issue as I thought she could be trusted. However, the moment I moved from XXXX in 2014. I started receiving mail in a different state, Informing me that I was late on payments for a XXXX XXXX credit card. I NEVER OPENED THAT ACCOUNT. Payments apparently fell behind when she no longer had access to my personal information. I moved from XXXX XX/XX/2014 and was alerted to the information by the summer of 2014. I HAVE MAINTAINED ONE CREDIT CARD AND ITS BEEN A XXXX XXXX CARD. I have ALSO made several attempts asking that she make this right/ after she admitted that she had opened the account. She begged and pleaded that I not go to the authorities. After she made no attempts to make payments. I contacted the authorities and was told I need her confession. She has also been arrested for fraudulently opening an credit in My uncle name as well. I REPEAT I DID NOT OPEN THAT ACCOUNT.
PLEASE SEE THE VIDEO ATTACHMENT BELOW OF HER BEING ARRESTED AND ESCORTED OUT OF OUR APARTMENT BUILDING.
https : XXXX
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| 08/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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My credit report contains my personal information. And payment history with XXXX XXXX XXXX. Solely affecting my credit score.they have been reporting a consumer credit transaction report to XXXX since XXXX XXXX. XXXX XXXX was another lender who has violated consumer protection laws. I believe I am subject to a wide spread cyber attack due to all the other third-party companies who has access to my credit report. It has been more than XXXX different finance companies who accessed my credit report on XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX are all in violation of consumer law. I have tried multiple times to apply for installment loans and time and time again I was denied due to my credit report. XXXX XXXX XXXX has affected my way of living and put me in fear of my personal information being compromised due to them reporting my personal information and payment history and has affected the way I provide for my family. I can not apply for business loans or mortgage loans due to my poor performance on XXXX. Poor performance being things Congress states that doesnt suppose to be in my credit report in the first place. Before XXXX XXXX XXXX started reporting consumer credit transactions to XXXX my credit score was XXXX. I was not protected by consumer law. XXXX XXXX XXXX even reported multiple addresses that are old or outdated.
|
| 06/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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Today, XX/XX/2023, I received an alert from XXXX that my XXXX XXXX had changed. After receiving this report, I investigated this matter further and found that my XXXX XXXX had dropped XXXX points. In addition, I found on my credit report that LVNV FUNDING LLC had flagged an account for Collections on XX/XX/2023. I was totally unaware of who this company was, as I have not received ANY communication from LVNV Funding, XXXX whatsoever, prior to today. The account name XXXX provided upon their website when I considered filing a dispute was " XXXX XXXX ''. From my research, XXXX is owned by Resurgent Capital Services, XXXX. Upon researching the Consumer Financial Protection Bureau ( CFPB ) web site, it came to my attention that before a debt collection agency can report to a credit bureau, the company must, and I quote from your web site " The XXXX debt collection rule requires debt XXXX to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting. '' I have NOT received any validation notice from LVNV Funding, XXXX or Resurgent Capital Services, XXXX prior to them reporting it to XXXX, and possibly other credit bureaus.
|
| 04/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Why are you disputing RESURGENT/LVNV FUNDING?
Other reason Use this reason if none of the available dispute reasons describes your situation. To submit your dispute, you must enter an explanation that specifies why you believe the information is inaccurate.
back button Reason and details Add a Comment Add more detail to your dispute109/210 characters LVNV never surrendered proof off fees and never sent any supporting legal documents with company letter head.
back buttonReason and details Do you believe this information appearing on your Credit Report may be a result of identity theft?
back buttonChange Dispute Reason If you believe that this information appears on your Credit Report as a result of identity theft, contact us by phone immediately.
Report # : XXXX XXXX Mon - Fri : XXXX - XXXX back button Reason and details back buttonReason and details General Account Info Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account NameRESURGENT/LVNV FUNDING Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1300.00} past due as of XXXX XXXX.
Status UpdatedXX/XX/XXXX Balance {$1300.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
|
| 01/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
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I signed up with XXXX XXXX XXXX in Arizona and learned that the Headquarters were in California. I started out paying {$200.00} a month, then increasing to {$400.00} a month, until I had no more communication with this company. Instead of them contacting me about my credit card debt, they reported all of them CHARGE OFFS on my credit report. BUT, one account XXXX thru XXXX XXXX XXXX, CEO, SOLD my account to LVNV, LLC. in XXXX XXXX XXXX XXXX. An attorney informed me that these two companies have not gone by the law. My XXXX balance was reported to the Management of XXXX, due to an employee pushing Makeup and calling customers trying to get them to buy more and more cosmetics. But XXXX did nothing to help! At that time, the balance was around {$1000.00}. TODAY, with LVNV my balance is over {$3000.00}. I disputed it to the Credit Bureaus. But, I am between a ROCK and HARD place, due to XXXX XXXX XXXX not contacting me about my account and CHARGING OFF all my CREDIT CARDS.
PS This account was not thru XXXX XXXX XXXX. It was thru XXXX XXXX. XXXX may have changed to XXXX XXXX XXXX. At the time this account was going on, it went thru XXXX XXXX.
XXXX XXXX XXXX charged off many of my accounts, which shows on my credit report, without contacting me about them or allowing me to pay toward them each month.
Thank YOU, XXXX XXXX
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| 03/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To Whom It May Concern, The reason for my dispute is LVNV FUNDING LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, LVNV FUNDING LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) LVNV FUNDING LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation LVNV FUNDING LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where LVNV FUNDING LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. LVNV FUNDING LLC has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
|
| 08/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received 2 letters from Resurgent Capital Services claiming that they were trying to collect on a debt that I owed. The original creditor was XXXX XXXX XXXX, whom I do not recall having an account with, but the current owner of the debt is listed as LVNV funding LLC, which I have never received a document from trying to collect on the account. I sent Resurgent Capital Services a letter asking for validation of this debt and received a letter back from them dated XX/XX/XXXX stating they initiated a review, see attached documents. I also received an additional letter dated XX/XX/XXXX which stated they had enclosed an account summary which provides verification of the debt, see attached. This " account summary report '', which is also attached, doesn't provide any type of proof that I owe this debt, whatsoever. Also on the documents they have sent me it states that " The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency ''. I have attached the verification letter that I sent to Resurgent Capital Services and what I was asking for. This company is trying to collect on a debt that for one I don't have knowledge that I owe them, and the debt was charged off XX/XX/XXXX.
|
| 01/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
FAILED TO PROVIDE REQUIRED DOCUMENTS! - I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 02/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
REFERENCE # XXXX I was a victim of identity theft six-seven years ago the accounting question with XXXX was discovered to be fraudulent never used by me did not belong to me yes the information was similar that's why it's called identity theft XXXX recognize this they closed the account it was never reported to any of the major credit bureaus once it was discovered what it happened police reports were filed multiple letters were sent back and forth and everything was eventually resolved until about a month ago when I received the first letter from this company stating I owed them a debt I immediately sent a letter explaining what I just explained I told them unless they had some proof which I knew they wouldn't to stop all further Communications with me that I had no intentions on paying them any money they sent me another letter helping this was their proof it's just some printing information there's absolutely nothing here that we didn't already know it shows XXXX shows an account number show the balance well yes nobody 's disputing that the account was opened it just wasn't open by me and Everyone except for this company seems to understand that I don't feel they're taking this matter seriously but when you start reporting it to the credit bureaus and you start affecting my credit score it becomes a serious issue
|
| 08/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Last year XX/XX/XXXX I submitted a complaint through the Consumer Financial Protection Bureau against Resurgent Capital Services/LVNV Funding for the account # XXXX that they purchased from XXXX XXXX and placed it in collections on all 3 of my credit reports with XXXX XXXX and XXXX saying that it was my debt. I have sent several dispute letters to Resurgent Capital/LVNV Funding disputing all their continuous false allegation about this XXXX XXXX XXXX that they purchased that is not mine. They have sent statements trying to prove it was mine. A statement doesn't mean that's my debt. I have requested for signature and they have never provided one. Last year, they responded to my complaint with a 52 page letter that was very ill-informed. This company has destroyed my credit ratings for years and I refuse to continue to sit back and let with me knowing this is not my account. In the quest to continue to fight I continue to dispute XXXX XXXX XXXX the original owner of this alleged debt. On XX/XX/XXXX I received a written, legal document from XXXX XXXX XXXX further proving my case that after their investigation they found I am not responsible for any PREVIOUS or FURTHER balance incurred on this account. The site wouldnt let me Attach the letter from XXXX XXXX but I sure mailed it to Resurgent Capital compliance address.
|
| 10/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
First I would like to address the problem I am having with XXXX as I have researched and started my own credit repair back in XXXX or XXXX XXXX has asked me to verify my identity three times which I proceeded to do. Now here we are in XXXX and I have not heard anything else from them. I sent them a letter prior to the data breech explaining to them that I was not impressed and I did not appreciate the no response as I do know my rights with the FCRA. I was also a part of the breech and that would make three this year. I have had multiple hard hits for loan inquiries that I have applied for or credit and I am constantly keeping track of my credit now for this reason, and see these. I originally filed with FTC.gov a complaint and a report with a 90 day freeze. Plus I was placed on the DO NOT CALL LIST and yet I was and am still getting calls and it seems that the freeze did nothing to help. I am overwhelmed by this and upset it 's also damaging my credit even more so. I also have a complaint against XXXX XXXX and XXXX XXXX Collection agency as well as XXXX XXXX XXXX The last two mentioned are both reporting on my reports for the same debt and I know that, that is illegal and this account is not mine and they are now refusing any response that I have requested from them as well as XXXX XXXX. What do I have to do? Sue?
|
| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are two fraudulent accounts on my credit report. One is from XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX Credit Card ( sold to LVNV Funding ). I have never allowed anyone to use my personal information nor have I ever conducted business with those companies.
I have contacted XXXX XXXXXXXX over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but XXXX XXXX XXXX XXXX does not respond to any of my attempts to have this resolved.
XXXX XXXX XXXX ( sold to LVNV Funding ). I have contacted XXXX XXXX XXXX Directly and they agreed that the account is fraud and removed it from their system. LVNV Funding is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to LVNV Funding and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXXXXXX XXXX has deemed the account fraudulent and that LVNV Funding shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.
|
| 06/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I filed two disputes with XXXX.
1. File date- XX/XX/2020. Results date- XX/XX/2020. Report Number : XXXX XXXX. File date- XX/XX/2020. Results date- XX/XX/2020. Report Number : XXXX The answers were the same for both : Comment : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
Reinvestigation Info : This item was updated from our processing of your dispute in XX/XX/2020.
I explained that this company is not mine in my first dispute. Only reason I found out about this company was because I found it on my credit report. Later I received a letter from the company my account was actually sold to. They never reported on my credit account. XXXX XXXX verified this information for me. So, I filed another dispute with XXXX letting them know that this company should not be on credit report. They replied with the same result.
Nothing is being done by them. I sent a letter to LVNV funding, that they do not have right to charge or report this false information on my credit report.
Then I received a letter dated XX/XX/2020 from XXXX XXXX XXXX XXXX telling me to send a payment of {$7700.00} on behalf of their " current credidor : LVNV Funding, LLC.
I am replying to them disputing the notice they sent me.
Please help me fix this. It is severely hurting my credit score.
|
| 05/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Resurgent Capital Services is claiming I owe them for two debts they are currently reporting on my credit report. XXXX XXXX XXXX Ref ID XXXX & XXXX XXXX XXXX ref I'd XXXX. The FDCPA entitled me the right to request these debts be validated, I sent two letters certified mailed and the information received did not validate the date in fact it looks unauthenticated. As if it was typed in house & not information provided by an allged credit card agency. This was the letter I sent requesting information they should have in house I also enclosed what they sent me which I can easily duplicate on a type writer.
T0 : Resurgent Capital Services This is my 2nd attempt in trying to get the issues in my credit report resolved. I wrote you a letter in regards to two accounts you have listed in my credit report.
1. LVNV Funding LLC # XXXX XXXX XXXX {$920.00} 2. LVNV Funding LLC # XXXX XXXX XXXX XXXX As a reply to my concerns I am just receiving template letters stating these accounts are verified. By law the information I am requesting I am entitled to if you can not provide this information these accounts need to be removed. The information I am requesting on the accounts are listed below.
1. Original Contract with my signature 2. Pay off disclosure 3. Interest rate 4. Balance History 5. Payment History 6. Credit Insurance
|
| 06/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This frivolous account remains on my credit report despite many written complaints to the three credit bureaus. In my First Dispute, I ask that the account be checked and " confirmed. '' According to the three credit bureaus, this company " confirmed '' that this item is being " reported appropriately. '' As a Second Dispute, I request that the First Request be Reinvestigated, because the bogus account is still on my credit report. Following the Second Dispute, the three credit bureaus indicated that this company " confirmed '' that these things were " reported appropriately. '' As a third point of contention, I asked, " Who validated these accounts? '' How did these accounts become verified? Provided me with copies of ALL original documentation ( s ) on files, such as contracts or legally enforceable agreements ( as proof ), with my signature on it pertaining to the disputed account. This company was unable to supply me with a copy of ANY original documentation for this item that I sought. I DEMAND THAT THIS ITEM BE REMOVED/DELETED IMMEDIATELY FROM MY CREDIT REPORT.
I fully intend to file a lawsuit in accordance with the FCRA to enforce my rights, seek relief, and obtain all monetary damages that I may be entitled to as a result of your continuous willful and careless non-compliance under Sections 616 and 617.
|
| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Today XX/XX/XXXX i recieved a letter from Resurgent capital services.
Same debt different comany and all in the name of LVNV Funding LLC.
As in the last complaint from me filed on XX/XX/XXXX against company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX with the CFPD File XXXX.
And again after multiple request of complete validation or any proof that i owe this bogus debt not owned by me have bin ignored and never provided of any kind in the past, sent by me by certified mail ( have the proof ) Just another fraudulant company that cant provid any proof ever.
iI want them to stop harrassing me about this bogus debt or provid the proof at ones.
A verification is not a complete validation.
Collecting in behave of LVNV funding with no proof ever provided of any kind and so with any other company ( its all in the files ) makes them a complete fraud and is illegal.
More complaint will follow with the FTC, FDCPA and legal actions will be taken under state or federal laws if the dont stop collection effords immediately.
My complaint is against company RESURGENT CAPITAL SERVICES.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX .
Current Owner : LVNV Funding LLC Refernce ID:XXXX Balance : {$1800.00} Last Payment Date XXXX
|
| 07/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX reported a debt /Default Judgement owed to a CACH LLC on my credit report to my bank, resulting in my being denied a loan.
I filed a dispute with XXXX XXXX explaining that the debt was not mine.
Consumer # XXXX Case # XXXX I explained that : 1 ) That I am a man the suit was against a " XXXX XXXX XXXX '' 2 ) My Name is " XXXX XXXX '' not " XXXX XXXX XXXX '' as was on the judgement 3 ) I did not do business with this company and the debt was not mine.
4 ) This judgement appears to be a default ( no show ) judgement I asked that XXXX XXXX verify the Social Security Number and Date of Birth with CACH LLC to provide that its not mine.
I also explained that CACH LLC had tried in past to collect a large {$30000.00} debt against me and eventually dropped the case when they realized that they had the wrong person They eventually realized that the social security number and/Or DOB did not match mine.
I never heard back from XXXX XXXX on the disputed, so after waiting well over 30 days I reached out to them. They acknowledged that I did not receive a response within the required 30 days. Mentioned that it was an issue on their end. They only explained that they verified that a judgement/lein exists. They didn't verify that it matched my Legal name, soc sec # or DOB Link to court case : https : XXXX? XXXX
|
| 10/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I'm not sure what's going on, but I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 06/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today, XX/XX/2023, I received an alert from XXXX that my XXXX XXXX had changed. After receiving this report, I investigated this matter further and found that my XXXX XXXX had dropped XXXX points. In addition, I found on my credit report that LVNV FUNDING LLC had flagged an account for Collections on XX/XX/2023. I was totally unaware of who this company was, as I have not received ANY communication from LVNV Funding, XXXX whatsoever, prior to today. The account name XXXX provided upon their website when I considered filing a dispute was " RESURGENT/LVNV FUNDING ''. From my research, LNVN is owned by XXXX XXXX XXXX, XXXX.
Upon researching the Consumer Financial Protection Bureau ( CFPB ) web site, it came to my attention that before a debt collection agency can report to a credit bureau, the company must, and I quote from your web site " The XXXX debt collection rule requires debt XXXX to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting. '' I have NOT received any validation notice from LVNV Funding, XXXX or XXXX XXXX XXXX, XXXX prior to them reporting it to XXXX, and possibly other credit bureaus.
|
| 10/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
on XX/XX/2023 I contacted ( on a recorded line by both parties ), LVNV Funding LLC in regards to an account ending in XXXX reference ID : XXXX reporting on my consumer report. 1.there were inaccurate incomplete information being reported. i asked the representative to send me a debt validation letter. The representative agreed and after receiving the validation letter. the information being reported is still incomplete inaccurate information. pursuant to 15 U.S. Code 1692e - False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. 2.also there was no written agreement made by me for LVNV Funding LLC to have my information be seen by a third-party ( Resurgent Capital Services ) . the creditor reporting the information should be the one managing the account. XXXX different companies have had my information on my account. the original creditor XXXX XXXX XXXX, debt collector LVNV Funding LLC, and resurgent capital services. there is also XXXX XXXX XXXX with my information. i also spoke with XXXX XXXX XXXX representative on the phone which was also recorded by both parties. pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general ( 2In accordance with the written instructions of the consumer to whom it relates.
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I filed a complaint against XXXX about some fraudulent accounts and address on my personal credit report. XXXX would not even investigate the claims of fraud based off whatever they have on file from the company. It's my credit report and I have proof that the accounts was open fraudulently by someone else. I sent in all documentation requested from me. Police report, letter of XXXX at the time the accounts was opened, utility bill of where I stay and been staying. Look over the computer its easy commit fraud and you can get fraudulent documents from anywhere online nowadays. But the disturbing part of this process is XXXX not even putting no efforts to help consumers. They not sending no type of proof that will confirm I opened these accounts. They just don't investigate it and send a response saying they not gone investigate the matter because the company said its valid. Thats not fair to the consumer who credit this is affecting. It's my credit report that they suppose to be protecting, but they taking the company words over mines. Of course the company gone keep trying to collect on a account, but the account was opened fraudulently. I can see a huge class action lawsuit coming XXXX way because this is unfair to people to just look the other way when someone proving that they have been a victim of fraud.
|
| 12/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I replied back within the 30 day window for debt validation according to the letter LVNV funding does not own this account its being serviced by Resurgent Capital. I sent everything through Consumer Financial protection bureau and I have a copy of the reply from Resurgent Capital whos managing this account. I requested proof for documents Resurgent Capital who owns this account stated communication about this account would be ceased and nothing will be reported to the credit bureaus Of LVNV is not removed from credit file in XXXX business days I will file a lawsuit against this fraudulent company. I will be suing for improper use of account, no debt validation was done as I replied within the 30 day window. And I will sue for punitive damages. I just reached out to my attorney on the next steps. And I just forwarded my attorney the copy of the response I receive from the Consumer Financial Protection bureau. I will have LVNV XXXX down and investigated on every account they have in office and file a class action lawsuit. Let me go online and start a petition to get this ball rolling. I will post the petition and see if we can get a class action lawsuit for improper use of credit report, improper debt validation from a junk buying company. I would like for the XXXX XXXX XXXX shut this business down immediately.
|
| 04/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been disputing a account on my credit report from XXXX XXXX XXXX. On XX/XX/2018 i sent a letter to XXXX XXXX XXXX certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. i never received a response from XXXX XXXX XXXX within 30 days.They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.
|
| 11/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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LVNV Funding LLC, under the name XXXX contacted me via email in XX/XX/2023 threatening to sue me for as debt.
I had never heard of this company and responded as such to the email, I received a reply stating they would send me a letter and not contact me via email again.
In XX/XX/2023 I received a second email, again threatening to sue me, I once again responded I do not know you and I was supposed to be getting a written letter not an email.
5 days later I got a letter telling me they had received my request for proof of ownership of debt, but no proof.
In XX/XX/2023 I wrote a letter requesting evidence of ownership of debt, in reply to the written letter I had received asking for the original contract with my signature on it, a copy of the payment history for the debt and a copy of the contract between the original creditor they claimed and themselves. - I received NO REPLY. I gave a 30 day deadline to respond.
On XX/XX/2023, I received a letter dated XX/XX/2023 from a XXXX XXXX XXXX, XXXX. Telling me they were contacting me on behalf of LVNV Funding LLC and they still did not supply the requested proof of ownership or validation of debt.
I responded to this letter to explain I had asked for proof of ownership and validation of debt and had been met with silence from XX/XX/2023 until XX/XX/2023.
|
| 07/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
THIS RIGHT HERE IS MY XXXX REPORT AND IT SAYS I HAVE NO COLLECTIONS OR BANKRUPTCY IN MY CREDIT FILE SO WHY IS XXXX ENTERTAINING THIS DEBT, WHICH IS INCORRECT. XXXX XXXX TOLD ME I NEED TO CONTACT XXXX TO REMOVE AND DELETE COLLECTION TO UPDATE MY CREDIT REPORT, AND THEY ARE SUPPOSED TO CONTACT CREDIT KARMA TO UPDATE CREDIT REPORT AS XXXX IS HINDERING MY CREDIT REPORT DUE TO MANIPULATIVE LIES FROM LVNV FUNDING LLC OR ANY AFFILIATION WHO BEEN CONTACTING ME WITH PROFANE LANGUAGE, SCARE TACTICS, THREATS TO DO MORE IRRUPUTABLE DAMAGE TO MY EXISTING CREDIT REPORTS. THIS DEBT IS VIRTUALLY 7 YEARS OLD. I ALREADY SENT A LETTER STATING OTHERWISE AS I REBUKE THIS DEBT WHERE IT SHOULD BE DELETED, AND REMOVED WHO IS TIRED OF BEING HARRASSED BY THEM OR ANY THIRD PARTIES.
Personal information Includes your name, Social Security number, date of birth, address information, and employment information.
Supporting documents may be required.
Credit accounts Includes revolving, installment, and mortgage accounts.
Supporting documents may be required.
Collections and bankruptcy Includes collections and bankruptcy.
Supporting documents may be required.
( You currently have no collections or bankruptcy records reporting on your credit file ).
Inquiries Requests to view your credit report.
Supporting documents are optional.
|
| 07/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Owner : XXXX XXXX XXXX Reference Number : XXXX To whom it may concern, I, XXXX XXXX, demands arbitration with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I've demanded you to cease and desist all communications that the means with XXXX, XXXX, and XXXX. I also demanded you to provide the account file and original contract that has my signature on it, account Ledger from the open date through the last date of payment activity, all accounting documents from the open date through the last date of payment activity, all account transactional history from the open date through the last date of payment activity, and When was the last date of payment.
If you are not able to provide proof of the re-investigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to 15 USC 1681 i : Treatment of inaccuracies/ unverifiable information.
A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the XXXX responsible for maintaining the account.
Case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I received the first of several emails from a company sending me an unsolicited email stating that I have an account with them. I know that life is very busy, but I can't remember ever hearing of this company or furthermore given them any of my personal information or consent to contact me. I do not recall owing this company a dime and its highly probably that I have never contracted with this company. In order to resolve this confusion, I have requested VERIFICATION once again VERIFICATION of this alleged debt by all of the following items : 1 ) The original contract with wet ink signature 2 ) purchase order with terms and conditions 3 ) Name, address, phone number of the original creditor.
4 ) Aggregated value, forward floor agreement, itemized billing associated with alleged account with billing history.
5 ) Proof of ownership 6 ) Proof that this company is even insured and bonded to do business in Michigan.
If the company can not satisfy these perimeters within the allotted 30 days, given by law, I can only expect for them to follow the federal and state laws that state that they promptly cease all collection activity. Refusal to do so will result in seeking of monetary relief for any damages incurred to myself or my family. Thank you for your swift action to help rectify this mistake.
|
| 10/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have just received a email as of today XX/XX/2022 from LVNV FUNDING. They have indicated they have attempted to contact me a month ago which is a complete lie. This is my first time even being aware the account from XXXX XXXX was sent to collections, I have been working with them to pay this amount down. LVNV FUNDING LLC has also not mailed me any documents for my right to dispute just an email stating I owe money which is completely unfair. They have not sent any written contracts with my wet signature or a full disclosure. This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
|
| 07/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
THIS RIGHT HERE IS MY XXXX REPORT AND IT SAYS I HAVE NO COLLECTIONS OR BANKRUPTCY IN MY CREDIT FILE SO WHY IS XXXX ENTERTAINING THIS DEBT, WHICH IS INCORRECT. XXXX XXXX TOLD ME I NEED TO CONTACT XXXX TO REMOVE AND DELETE COLLECTION TO UPDATE MY CREDIT REPORT, AND THEY ARE SUPPOSED TO CONTACT XXXX XXXX TO UPDATE CREDIT REPORT AS XXXX IS HINDERING MY CREDIT REPORT DUE TO MANIPULATIVE LIES FROM LVNV FUNDING LLC OR ANY AFFILIATION WHO BEEN CONTACTING ME WITH PROFANE LANGUAGE, SCARE TACTICS, THREATS TO DO MORE IRRUPUTABLE DAMAGE TO MY EXISTING CREDIT REPORTS. THIS DEBT IS VIRTUALLY 7 YEARS OLD. I ALREADY SENT A LETTER STATING OTHERWISE AS I REBUKE THIS DEBT WHERE IT SHOULD BE DELETED, AND REMOVED WHO IS TIRED OF BEING HARRASSED BY THEM OR ANY THIRD PARTIES.
Personal information Includes your name, Social Security number, date of birth, address information, and employment information.
Supporting documents may be required.
Credit accounts Includes revolving, installment, and mortgage accounts.
Supporting documents may be required.
Collections and bankruptcy Includes collections and bankruptcy.
Supporting documents may be required.
( You currently have no collections or bankruptcy records reporting on your credit file ).
Inquiries Requests to view your credit report.
Supporting documents are optional.
|
| 03/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Starting in mid XXXX I have been in contact with LVNV Funding a collections agency that has been furnishing negative information to the credit bureaus in regards to an alleged debt that they now hold for collection. On XX/XX/2022 by way of certified mail I gave notice to LVNV Funding that the response provided from the agency did not meet the criteria to validate a legal agreement with them regarding the account they claim I am in debt to them for.
After a number of days and upon disputing the negative information, LVNV apparently agreed to remove the negative information, XXXX reflected the account as removed at which point I also disputied they negative information with XXXX based on the the deleted negative information/account via XXXX. The account in question is nolonger present via XXXX, but has been resubmitted for reporting a number of times since mid XXXX by LVNV ... to XXXX and XXXX. I have contacted the collection agency more than 3 times placing them on notice of there illegal practices as they have continued to provide false reports to the bureaus. In the most recent communication I have placed LVNV on notice that I will pursue relief for each month that they have reported such negative information since the account has been deleted in an attempt to alleviate this illegal pursuit on there end.
|
| 06/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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There was a XXXX XXXX XXXX credit card opened in my name in XX/XX/XXXX. I don't or never had a XXXX XXXX XXXX credit card. I don't ever look at my credit report so i was unaware of this. Couple months ago when my debit card was used by someone other than me, my bank notified me and shut it off and issued me a new card. That is when I started looking at my credit, paid some things off. I did notice a collection from a XXXX XXXX XXXX. I investigated it and found that in XX/XX/XXXX XXXX XXXX bought that XXXXXXXX XXXX XXXX account from XXXXXXXX XXXX XXXX. It showed {$700.00}. I disputed it because I never opened that account! On XX/XX/XXXX the dispute came back as verified as accurate that it is actually correct and it is going to stay on my credit report! I immediately filed another dispute that same day because I didn't open it and the amount went from {$700.00} to {$1000.00} the day the dispute came back! I did not open this account. Not sure how all this went under my nose and now I don't know how to correct something I wasn't involved with except someone used my information. I see at the bottom of this page it asks for documents. I have none that is why this is so bizarre! I only have what it says on my credit report which is not accurate! They can't make me pay a debt I didn't create! HELP!!
Thank You
|
| 06/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was the victim of XXXX and financial exploitation of a XXXX XXXX and several accounts were opened in my name while I was XXXX
Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX of a XXXX individual as documented in APS reports.
I have had to flee XXXX miles with my XXXX XXXX and these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately.
The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report.
Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally.
Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
|
| 03/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
So in XXXX I pulled my credit report and noticed 4 accounts in collections that I never had so I started reaching out to these companies and started the dispute process and identify theft process on my end. So 3 collections were removed from my credit report and the 4th company XXXX XXXX XXXXXXXX XXXX XXXXXXXX refuses to show actual proof that it's my account. I've faxed over everything from police report, ftc identify theft report, affidavit, etc showing my identity was stolen and I'm disputing. The only this they sent me was a bill from the company and they state that is there proof it's my account.. I called them 13 times and keep getting nowhere I've spoke with them and said how is a bill proof it's my account ofcourse there would be a bill that's why it's in collections to begin with that still doesn't prove its my account. The other collections companies were great with helping resolve getting these off my credit report but for some reason this 1 company keeps sending me bills only after I called to dispute the account I've told them it's not mine and they are not willing to work with me. Also I did reachout to the original card company XXXX XXXXXXXX and they told me my file is and has been set at fraud and identify theft and not sure why the collection agency is still reporting this as my account.
|
| 04/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Resurgent ( aka LVNV XXXX has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with Resurgent ( aka LVNV ). I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. Resurgent ( aka LVNV ) buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that Resurgent ( aka LVNV ) needs to be thoroughly investigated for their illegal practices. If Resurgent ( aka LVNV ) decides to sell this account or transfer it to another XXXX of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit.
|
| 03/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have been receiving phone calls and letters since XXXX of XXXX from Resurgent Capital Services. They are claiming I owed money back from XXXX to XXXX XXXX in the amount of {$1300.00}. In there letters and even over the phone they have told me that the statute of limitations has ran out and they can not sue me. However I am still obligated to pay them. I told them the debt wasn't mine. I have nothing on my credit report stating so. I have no record of this debt. I wrote them a formal letter asking for proof and also I wanted to get a copy of their license to collect debt in the state of Illinois. I received no proof of debt of that a letter head of their company logo saying I owed money. I was expecting some original documents from XXXX XXXX showing what I signed and agreed on. I also didn't receive any proof of them being licensed in IL.
They are saying if I don't respond withing 30 days I will be held accountable for the debt and they will be able to legally pursue by re activating the time limit. I sent the another letter saying I didn't receive any valid proof that the debt was mine. I also stated I didn't receive any proof of them being licensed in IL. I would like the phone calls and letters to stop. I believe I have proven I have not obligation to pay what they are claiming.
Please help XXXX
|
| 05/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In 2011 R esurgent Capital Services bought a debt from XXXX XXXX and I advised both companies that the debt was not mine and the account was opened illegally. I 've disputed the item several times with all XXXX major bureaus and the debt always comes back as verified which is strange because when I talked to XXXX at XXXX in the fraud department she advised me that she could not send me validation of the debt because it was sold to Rsurgent i n 2011. I c ontacted Resurgent several times over the years asking for verification and each time I 'm told I 'll receive it in the mail but nothing ever comes. This negative item on my credit report has been the reaso n I XXXX denies employment, credit, and pay higher premiums in insurance. For years know this company has been trying to collect on a debt that does not belong to me. I 've suffered from major headaches. High level of anxiety because of this. This company XXXX hi all and illegal practices that needs to be stopped. I had to pull my daughter out of her private school and send her to public school because I was denied a student loan for her. This company has turned my life up side down. XXXX sent me a letter stating, '' This is attempt to collect a debt ''. This is the only letter I receive when I request validation of the debt.
|
| 05/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In my previous complaint with CFPB ( XXXX ), I complained about the business practices of XXXX XXXX XXXX. I also filed a formal complaint with the XXXX XXXX XXXX on XX/XX/XXXX. After I contacted XXXX regarding my complaint, XXXX XXXX XXXX retaliated and sole my credit card account ( Visa # XXXX ) to third party which has now appeared on my credit report. In a letter I received from XXXX XXXX XXXX dated XX/XX/XXXX, it mentions that my account for VisaXXXX was closed on XX/XX/XXXX which I was never informed via email or letter. I did receive an email on XX/XX/XXXX that the insurance for the Visa-XXXX would be cancel. Not once did this letter mentioned " closed ''. As I stated this retaliation against me from XXXX XXXX XXXX because of the complaint to the XXXX XXXX XXXX and my refusal to pay the excessive fees they attached to a couple of missed/late payments from over a year ago. Their tactics with the harassing, countless telephone calls on daily basis and now selling my account information to third party ( LVNV Funding LLC ) to collect I debt on the Visa-XXXX credit card in question that I had been paying on time for the past year is erroneous. I have worked hard to keep my credit report in good standing and now this company has taken despicable, desperate action to tarnished my credit score/report
|
| 08/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I am disputing about 5 credit accounts that I found out I had on XXXX. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with XXXX XXXX XXXX XXXX, XXXX.
The client of them is LVNV Funding, LLC. Original creditor was XXXX. For the amount of XXXX. I have been disputing through XXXX but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right now.
|
| 01/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX XXXX I was served at home by a process server at my home here in XXXX, FL. The company that is trying to sue me is Resurgent- LVNV Funding LLC they were hired by XXXX XXXX Credit Card .
That same day I went on XXXX XXXX and XXXX XXXX XXXX XXXX and retrieved the copy of my credit report from all XXXX bureaus.
In the report on all XXXX bureaus I was alarmed to see the creditor LVNV is shown on my credit report XXXX times for the following amounts.
{$1400.00}, {$720.00}, {$380.00}, {$1200.00}.
On XX/XX/XXXX I sent the company a letter of debt validation.
On XX/XX/XXXX I received a letter back only validating {$720.00} however the amount was not correct as well as the tenure I had on the credit card with them .This debt collector had counsel and there attorney is the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , FL XXXX.
That was there attorney and it was on the court docket but when I sent them the letter they responded directly to me not with there counsel. Today I had court and they advised me they violated under FCBA because they were suppose to go through the attorney and not them directly when the letter was sent back. I would like to report this company for mis information, wrong amounts owed and accounts that I haver no knowledge of. I need it deleted from my credit report.
|
| 05/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Resurgent ID : XXXX Resurgent ID : XXXX Resurgent ID : XXXX Resurgent, also known as LVNV Funding LLC has reported unverified debt amounts in my name to each of the three credit reporting agencies, preventing me from renting a place to live, yet has not provided the debt verification I need. They only sent a significant number of letters stating that my claim is not valid, in response to my request for details of how the charges were arrived at, and the last statement of total amounts due, stating that is all they legally had to provide me. I dont owe these inflated amounts of money. I finally resorted to mailing them a request for debt settlement request for each of the above accounts. I was ignored as always. I only offered settlements because I saw it as my only way out to get these off my credit report and out of my life. Now, I understand this is extortion, and I should not pay them anything until they tell me the details of this debt. I have included copies of my initial disputes in an effort to gather the necessary information. I will add a folder of their communication to me when I get home today ( XX/XX/2023 ) If I am allowed to do that. This is urgent as they now threaten to sue me even though they wont let me see my records. In each case, I filed my dispute within the allowed time frame.
|
| 09/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The beginning of XX/XX/XXXX, I received a notice from my HR department at work that my wages were being garnished. My HR department provided 2 pages ( Citation Notice and the page with the calculation of the wage garnishment ). The total amount on the page was for XXXX. And from looking at the Citation page it looks like the citation was sent to an old address of mine. I never received any information from this creditor about this citation or any hearing dates. I moved to a new location as of XX/XX/XXXX and the citation paperwork was sent as of XX/XX/XXXX.
I was denied " Due Process '' of the law because the creditor did not properly serve me and allow me to request any type of verification of the debt.
What did I do to try and contact them - I reached out to an online law team to see if they could file papers on my behalf. The company filed an answer to the citation notice but I have not heard anything from the company ( and I'm assuming that I will not because again I did not receive the paper work when it was file and I probably missed the deadline date for the answer ).
Now they have created all type of hardships for me by garnishing my wages. I spoke with the HR Dept. today and they said that now the total amount owed is XXXX. I really need help in resolving this issue with this creditor.
|
| 10/04/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am attaching previously agreed and signed documentation from standing in front of the presiding judge on XX/XX/XXXX, XXXX For settlement due of {$1300.00}, of 45 monthly payments of XXXX
Then the following documents from XX/XX/XXXX, is whenever our signed agreement was ripped right out from underneath me by a Motion and Order to Set Aside Judgment without any warning. It states that I was served via First Class Mail to address XXXX XXXX XXXX, XXXX TX XXXX - when in fact I NEVER received those documents/were served, nor was I living there - I had moved from that address to another a year + prior to us had even settling on XX/XX/XXXX, XXXX Such happenings, I was never properly served, and there is no proof/signature ( by me ) proving that I was served the documents before the Motion and Order to Set Aside Judgment was submitted on XX/XX/XXXX then was granted on XX/XX/XXXX. There was no trial called, the only trial I was informed of was for XX/XX/XXXX XXXX which I had attended, due to us agreeing and signing in front of the judge ).
Now, TWO years later, it is now sent off to another debt collector, XXXX XXXX , XXXX is calling attempting to collect the debt, however, they are giving me time in order to submit my complaints and attempt to dispute the amounts CACH LLC is trying to recover from me.
|
| 02/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CACH XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. CACH XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If CACH XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.
|
| 06/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
As a debt collector, LVNV FUNDING LLC are governed under the Fair Debt Collection Practices Act ( 15 USC 1692 ) with no exemption! It is a violation under the Act to acquire my nonpublic personal information from a 3rd party source and willfully contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ). With the intent to provide me false and misleading information stating I owe any such alleged debt, not only do I REFUSE TO PAY SUCH ALLEGED DEBT but Im also demanding LVNV FUNDING LLC to cease and desist communication through ALL MEDIUMS in reference to this alleged debt with me and ANY OTHER person pursuant to 15 USC 1692c ( c ). LVNV FUNDING LLC willful deceptive practices used evidence noncompliance under the Fair Debt Collection Practices Act ( 15 USC 1692for which the court may allow damages of {$1000.00} per provision identified that failed to be complied with pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ). Understanding that LVNV FUNDING LLC have no legally enforceable contract in place that could be enforced under a court of law, LVNV FUNDING LLC is now subject to lawsuit for violating my consumer rights under the Act since LVNV FUNDING LLC decided to infringe on privacy and harass me!
|
| 08/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This credit card account was a result of identify theft. I reported this to the credit bureaus once I noticed it on my credit bureau reporting and it was confirmed fraud and removed off of my credit report. I never heard anything else regarding this account until I saw my XXXX XXXX XXXX account was deducted over XXXX XXXX XXXX. I spoke to XXXX XXXX and they advised me that it was a garnishment and provided me with the number to LVNV Funding. Once I spoke with them they advised that it was a garnishment on my wages and should not have been deducted from my bank account, however I advised them at that time that this was an account that had already been disputed and I should not be held responsible for this. I never received any type of court document or notification that they were even pursuing a garnishment because they sent it to the fraudulent address. A month after I spoke with them I received a notice stating that they were releasing the garnishment on my bank account so I had assumed that it was taken care of. However, on XX/XX/XXXX I received a notice to my address that they were going to pursue a garnishment on my wages once again. I did not apply for this account and I have never used this account they are trying to garnish me for. All of my credit cards have always been in good standing.
|
| 08/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX, XXXX. is now on their third collection agency attempting to collect a debt that is not mine. I first received received a letter from XXXX XXXX XXXX XXXX in XXXX regarding this debt. I have no idea what this is. I responded in writing ( copy attached ) asking for the debt to be validated and received no response. I didn't hear anything more about it until I received a similar letter in XXXX from XXXX XXXX XXXX , XXXX attempting to collect the same debt that was never validated. I sent them a letter too ( copy attached ) requesting validation of this debt with no response. Now I've received a third letter from LVNV Funding LLC ( attached ) about this same debt that these companies have now failed to validate twice. I am not asking them a third time. This is getting to the point of being harassment. Every time I ask them to validate this debt I receive no response. It feels like they just keep passing it from collection agency to collection agency and I'm tired of it. This is not my debt, I will not pay it, and I am not legally obligated to pay a debt that isn't mine, especially after they've ignored my written communications for over two years. I have also attached copies of the certified mail receipts as proof that I did in fact send these letters requesting validation of this debt.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I AM EXTREMELY UPSET BECAUSE THIS IS STARTING TO BECOME A BURDON TO ME. I HAVE BEEN DISPUTING THIS ACCOUNT WITH XXXX FOR THE LAST YEAR OR SO AND TO NO AVAIL THESE INCORRECT ITEMS FROM XXXX XXXX AND LVNV XXXX REMAIN ON MY CREDIT REPORT. FIRST AND FOREMOST BOTH ACCOUNTS ARE A RESULT OF IDENTITY THEFT, SECONDLY XXXX IS IMPROPERLY REPORTING BOTH. BOTH ACCOUNTS HAVE BEEN RE-AGED WHICH IS A FCRA VIOLATION. XXXX IS REPORTING THAT THE DATE OF FIRST DELINQUENCY IS XX/XX/2020 YET IN THE PAYMENT HISTORY IT STATES THAT THE PAYMENT HISTORY WAS ON TIME FOR THAT MONTH AND SO FORTH. XXXX WHICH IS ALSO REPORTING THIS DEBT AT THE SAME TIME AS XXXX IS REPORTING A DIFFERENT DATE OF FIRST DELINQUENCY AS XX/XX/2020. IF XXXX IS THE ORIGINAL CREDITOR AND LVNV IS IT'S SUCCESSOR HOW CAN THE DATE OF FIRST DELINQUENCY BE REPORTED DIFFERENT FOR BOTH ACCOUNTS? THIS IS ALSO BLANTANT FRAUD OF XXXX AND XXXX 'S BEHALF AND I WANT BOTH ACCOUNTS REMOVED IMMEDIATELY. THEY BOTH HAVE HAD ENOUGH TIME WITH ALL OF THE DISPUTES I HAVE SENT IN TO REMOVE THESE ACCOUNTS. XXXX, XXXX AND XXXX XXXX HAVE ALL VIOLATED SEVERAL CHAPTERS OF THE FCRA INCLUDING BUT NOT LIMITED TO SECTION 623 ( a ) ( 6 ) and 1681 ( c ) ( 1 ) running of reporting period. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND A COPY OF THE CROPPED CREDIT REPORT PULLED FROM XXXX
|
| 03/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Hello, I am calling in regards to the debt that you are attempting to collect from me. I believe that there may be a case of mistaken identity, as the debt does not belong to me.
I have been receiving calls from you XXXX, and I am aware that you have been calling my family, friends, and workplace as well. This is causing me a great deal of stress and anxiety, and it is affecting my personal and professional life. I understand that you may be trying to collect a debt, but this constant harassment is unacceptable.
I would like to request that you provide me with information about the debt, including the original creditor and the amount owed. I also request that you send me a validation notice that verifies the debt is mine, as I dispute its validity. I need this information to resolve the matter as soon as possible.
And remove it of my credit Furthermore, I want to make it clear that you are not allowed to call me or my family, friends, or workplace anymore. I know my rights under the Fair Debt Collection Practices Act ( FDCPA ), and I know that it is illegal for you to harass or abuse me in any way. If you continue to call me or anyone else, I will file a complaint with the Consumer Financial Protection Bureau and take legal action if necessary.
Thank you for your attention to this matter.
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On or about XX/XX/2022 LVNV funding called my work number and spoke with my boss also my brother about a debt that I owe. The collar kept insisting that it was XXXX that he was speaking to when he in fact was speaking to XXXX he stated that I needed to take care of this debt or they were going to take me to court or has told the gentleman three times that he was not me and that they had been told previously not to call the work number they had my personal cell phone number. I do believe that this is a breach of my privacy especially since I never authorized or entered into a contract with them and I never gave permission for anybody to share my personal information with a third party! I feel that I am entitled to compensation and I believe that lvnv funding needs to correct this and remove those negative items from my credit reports. I filed a grievance with a XXXX XXXX XXXX against them against XXXX and XXXX they kick the XXXX and XXXX back saying that that was not an issue with them I had to take it up with LVNV. Prior to this my brother had agreed to cosign a loan in the amount of {$15000.00} for myself to make necessary repairs on my house since then he has decided against this because of this action this has really hurt me financially and I don't think they should be able to get away with it
|
| 03/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
After checking my credit report on XX/XX/2018, I noticed that there was an open collection wilth XXXX XXXX. This account was originally with XXXX XXXX XXXX which I was a victim of Identity theft and it was removed from my credit report. I have not had any communication with this company and there has not been any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act. Withholding Notices You are entitled to notices concerning the reporting, handling and use of your credit information. Notice violations under FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA a creditor fails to notify you of your right to dispute inaccurate credit information or the validity of the debt. This account was disputed with XXXX XXXX XXXX and as soon as it was deleted from my credit report, XXXX XXXX purchased this debt, did not notify me in writing but simply placed this account on my credit without notification. I would like to file a complaint to have this incorrect reporting deleted from my credit report and have this company blocked from future reporting of this account. XXXX XXXX has performed unethical business practices.
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days.
I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you.
Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions.
Thank you,
|
| 04/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Good morning. I am a consumer bankruptcy attorney. As such I sometimes get letters addressed to debtors whom I do no know and/or do not represent. I always contact the collection company to let them know. Today I contacted XXXX XXXX XXXX XXXX by phone to let them know or represent a " XXXX XXXX XXXX, XXXX ). They asked for the " XXXX ID XXXX '' and the representative advised that they could not pull up the account by the ID Number as XXXX 's ID XXXX. have all changed. I was stunned that they are sending letters to wrong addresses and when I call them so that they can update their system to give property notice to a debtor they have no way to update their system. XXXX was collecting for LVNV so I reached out to them directly to advise them of the problems and my concern. They said they could only pull the account up in their system if I had the debtor 's social security number. Of course I do not know or represent the individual so how could I have the social security number. My question is how can they be properly noticing the debtors if, when they care sending incorrect notices out, they have no way to update the system when someone calls to tell them they have the wrong address. My guess is that this is a systemic problem and something the CFPB should be investigating for pattern and practice.
|
| 01/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a credit line with XXXX XXXX XXXX ( https : XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to LVNV Funding LLC - Resurgent Capital Services ( reported XX/XX/XXXX ). XXXX XXXX has reached a settlement a agreement with LVNV and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted LVNV on XX/XX/XXXX and they asked for XXXX XXXX to contact XXXX XXXX XXXX at ( XXXX ). I contacted XXXX XXXX same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of LVNV. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.
|
| 05/17/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Below is a copy of a letter I sent : To Whom It May Concern : I am writing this letter to dispute the above-referenced accounts with your agency. I am disputing this debt due to the fact that it is NOT MY DEBT. I am requesting that you provide me with debt validation and a contract with my signature on it as well as a FULL ACCOUNT HISTORY and itemization of all charges. Furthermore, please provide proof that you have the legal right to collect this debt as well as proof that you are licensed to do debt collections in both your state and mine ( PA ). Please cease any phone contact with me -- all of your correspondence must be in writing via my address listed below. On XXXX XXXX, 2016 I mistakenly paid off XXXX of these fraudulent accounts not knowing that I was being deceived. I expect FULL REFUND of the amounts totaling {$230.00}. I have attached proof that these funds have been deducted from my account by your agency ( which is admissible in a court of law ). Please be advised that if I do not receive a full refund within 30 days of the date listed above, these damages suffered by your agency due to frivolous and illegal collections actions will be recovered via lawsuit. Additionally, I have filed complaints with the Consumer Financial Protection Bureau, the XXXX and other government agencies.
|
| 07/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Greetings, I sent a certified validation letter, cease and desist and affidavit of truth to LVNV Funding LLC on XX/XX/2023. They are a debt collection agency that I do not know and have never done business with. My information was passed on to them by XXXX. They were given my information by XXXX. I also sent XXXX a certified validation letter, cease and desist and affidavit of truth as well on XXXX XXXX.
Then my information was passed on again to another company after LVNV received my certified letters. I received another letter from Resurgent Capital Services on XX/XX/2023. I do not know who this company is and I've never done business with them before.
I also recevied another from a company called XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 and XX/XX/2023. They were also given my name and private information by LVNV Funding LLC. I also sent XXXX XXXX XXXX XXXX a certified validation letter, cease and desist letter and affidavit of truth on XX/XX/2023 as well. My letter was returned and unclaimed after it was sent to the very address XXXX XXXX XXXX XXXX billed me from. They refused to take my letter.
So all in all. My information has been breached on several occasions by LVNV and all these companies are in collusion with XXXX and XXXX without my permission and against my consent.
|
| 02/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a formal complaint against LVNV FUNDING LLC located in XXXX, South Carolina. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 09/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
1 ) On XX/XX/XXXX I made an agreement with XXXX XXXX ( XXXX XXXX ) to settle my debt for 60 % of the total owed, which equaled {$1400.00}.
2 ) Payment was made by certified check through the closing company that settled my mortgage. They required me to negotiate this debt in order to provide financing.
3 ) On XX/XX/XXXX I emailed XXXX to see if my payment had been received and applied to my account.
4 ) On XX/XX/XXXX XXXX replied to my email, stating that my account had been transferred back to Resurgent / LVNV. In addition, she told me to contact them regarding the matter that I had already made an agreement on.
5 ) On XX/XX/XXXX I decided to make an online account with LVNV, in order to see the status of my account. Right under account details it showed my payment in the amount of {$1400.00} was posted in XX/XX/XXXX.
I have clearly proven I met my end of this obligation and that both companies have lied to me and refused to remove this incorrect information from my credit report. In addition, I have filed complaints with all three major reporting agencies, all of which said they investigated my complaint and that the debt was valid.
Please help me in regards to this matter. I have attached all of the evidence I have.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
|
| 05/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Servicemember |
|
LVNV Funding purchased an elevated charged off debt from my a credit card company that I acquired while living in Maryland in XXXX. I closed the account due to losing my job and sent the minimum payments. The original creditor sent a charge off and closed notice in XXXX for {$450.00} which was interest and principal of {$120.00}.
In XXXX, LVNV funding has constantly harassed me by hunting me down in my new residence state of Virginia. The company filed a court case in the county of XXXX, VA attempting to obtain a judgement against me while constantly blemishing my credit files. The judge in that court case did not grant the company a judgement and he honored my dispute since I referred to the Fair Debt Collections Practices Acts 609, 611 and 613. The judge in the case advised LVNV Funding that according to the rules of the FDCPA that I, the consumer, has the right to dispute and contest. The judge advised LVNV Funding to adhere to the rules of the FDCPA and proceed accordingly. To date the company has not complied.
My credit is receiving constant credit score impacts preventing me from moving forward in my career and my personal life. I am requesting LVNV FUNDING to be removed from all major and minor credit reporting agencies due to illegal practices of collecting bad/unverified debts.
|
| 09/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
In XX/XX/2019 Resurgent Capital ServicesXXXX XXXX confirmed their understanding that I wished them to cease communication with me and to immediately stop emailing me at my share work email address where other people have access to my emails. I made it very clear in my complaint that they were disclosing my debts to other people and that I was requesting for them cease all communication on any accounts held currently and prohibit future contact on any future accounts. For a very brief time after they responded to my complaint acknowledging my request to discontinue communication, all correspondence stopped. A short time after, the aggressive emails began again on XX/XX/2019. Resurgent Capital Services/XXXX XXXX has made a conscious decision to ignore my request and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to harass me and disclose the debt to 3rd parties. Emails come in every week. Im requesting escalation of my complaint to the FTC. Previously, Resurgent Capital ServicesXXXX XXXX falsified their contact records in order to claim no wrongdoing on their part. I have attached evidence of their continued contact and FDCPA violations. I am confident that a review by the FTC will show that Resurgent Capital ServicesXXXX XXXX has been dishonest and continues to break the law.
|
| 05/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Nine months ago, this company name CACH , LLC, C/O Resurgent Capital Services located at XXXX. XXXX XXXX in XXXX, SC XXXX started reporting a debt on my credit report from XXXX XXXX in the amount of {$730.00}. I contacted them and they stated they were hired by XXXX XXXX to collect on this debt. I contacted XXXX XXXX since I have several accounts with them and they indicated that this account was opened in XX/XX/2011. I personally do not remember the account but nonetheless, it is literally far beyond the statute of limitations for collections as well as the ability to report to the credit reporting agencies. I have written two letters to this company and they will not remove this item from my credit report. They are in violation of provisions of the FDCPA by implying that the legal status of this debt is collectible by reporting the alleged debt to XXXX, XXXX XXXX and XXXX. This has caused me a great deal of problems trying to get this removed. I have also written the Chief Executive Officers of XXXX, XXXX and XXXX in regards to this discrepancy. I have yet to hear any response from them yet.
I am asking tremendously for your help in resolving this matter. This is totally unfair and in clear violation of consumer protection laws. Please help me resolve this matter as quickly as possible.
|
| 04/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
At the end of XXXX, XXXX, I was notified by XXXX XXXX XXXX XXXX Kansas XXXX ), a debt collector for XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ), regarding an account with LVNV Funding LLC, in my name, pertaining to a credit card debt for {$610.00}. The account was opened XX/XX/XXXX and charged off XX/XX/XXXX as per XXXX XXXX report. I notified XXXX that I had never opened an account with XXXX XXXX XXXX and that the address was not mine, besides the transactions were made in the XXXX area where I have never shopped. It was evident that my identity was stolen. I never heard back from XXXX, but LVNV who bought the debt, continued to place this information on my credit. I wrote to the 3 credit bureaus many times, over the years, disputing the debt and even sent a letter from XXXX XXXX XXXX, which indicated that I did not owe them any money. It is now 7 years later and LVNV, a company that seems to be in cahoots with the credit bureaus, has not removed the debt from my credit report despite the fact that they have never sent me the signature on the original contract used in opening the account. Under federal law, an unverified account must be deleted from the Bureaus. I have filed an identity theft report with the XXXX Sheriffs Office, which I will be forwarding to the Bureaus.
|
| 07/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
My name and my father have the same name and our social security numbers are off by XXXX digit. My father had an account with XXXX that went to collections. I currently have a XXXX account that is in good standing and always has a credit going into the next month. I disputed the debt to have it removed from my credit reports. XXXX ( after removing from credit reports ) sold the debt to Resurgent and they are going to report it. When XXXX sold the account they did n't sell the entire record showing the disputes from me. I called Resurgent to see what I needed to do, they asked for my name and social security number, I provided both, they said " ok, we will associate this name and social security number with this account now. '' I have no idea what to do or how to make this stop. Resurgent told me they could just keep selling the debt and they do not have to provide full records so we could keep having this issue in the future. They also told us our only option was to file a police report for identity theft. We called XXXX - XXXX does n't have this past due account associated with my social security number in any way. XXXX says when they sold the account to XXXX they used the social security number for my father. So he did n't steal my identity XXXX and Resurgence just used my information.
|
| 11/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a new complaint with Resurgent for a different account. Resurgent Capital Service is a special case and is attempting to collect on a debt that I do not owe. Resurgent is stating that they are collecting on behalf of LVNV. Furthermore this is not the only creditor that is trying to collect on this alleged debt. XXXX XXXX XXXX is also in violation of FCRA, and FDCPA Laws. As soon as I got a letter from Resurgent Capital Services I sent them one myself. I sent Resurgent a letter of dispute of the alleged debt on XX/XX/2023 for validation of debt 12 CFR 1006.34 - Notice for validation of debts. I did not get any response from Resurgent regarding this alleged debt. I did give Resurgent a chance in good faith to validate the alleged debt. I really don't have to because I have disputed this alleged debt with LVNV, the company claiming ownership of the alleged debt. The problem with Resurgent is that this company is furnishing information about me without having permissible purposes according to the FCRA. This makes it an Identity theft.
These are the violations of Consumer LAWS, and Criminal LAW.
15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.
15 U.S. Code 1681 q - Obtaining information under false pretenses.
18 U.S. Code 1028A - Aggravated identity theft.
|
| 08/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX - Received an email from XXXX XXXX about a XXXX bill owed from XX/XX/XXXX, and was charged off XX/XX/XXXX.
XX/XX/XXXX - I sent them a letter asking them to verify this debt, and if they could not then they would reimburse me for any money I spent through correspondence via certified mail, which they received on XX/XX/XXXX.
XX/XX/XXXX - I sent them another letter because they had not responded but later realized they responded on XX/XX/XXXX, which I did not receive until XX/XX/XXXX. The verification they sent was from a XXXX bill dated XX/XX/XXXX, that stated {$0.00} for total current charges, addressed to a name that is not mine, and an address that is not mine.
XX/XX/XXXX - I sent a letter of default and an affidavit because they failed to verify their claim that this was a debt that I owed.
XX/XX/XXXX, & XX/XX/XXXX - I received correspondence that they claimed my response was duplicative and that if I had further questions I could write them again.
XX/XX/XXXX - I sent them a cease and desist letter telling them to stop all communications with me due to their lack of claim against me.
XX/XX/XXXX - I received the exact same letter as I did on XX/XX/XXXX, and XX/XX/XXXX, except this time said if I do not answer they will send this account to active collection against me.
|
| 11/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
LVNV Funding LLC is reporting a frivolous debt to my credit reports that are not owed to them.
I have never in my life done any type of business with this company. They are reporting that I owe them {$170.00}. When did I receive {$170.00} from LVNV Funding LLC?
I have never received any sum of money nor any merchandise from this company!
I have never spoken to anyone from this company before nor have I ever visited this company so how is it that I owe this company money?
There is no legal contract that is binding me to LVNV Funding LLC.
I have asked them to provide me with proof that I indeed owe LVNV Funding LLC and also provide me with a legal contract with my wet ink signature as well as the wet ink signature of the representative from their company that shows any money I received from them as well as my promise to pay them. They have not provided me with any of the requested documents.
I have also asked them to provide me with proof that this frivolous debt wasn't bought from another company in which they haven't provided me with that either.
So LVNV Funding LLC what is binding me to your company? What makes you think that I owe your company money? When did I do business with LVNV Funding LLC? Where is the contract that shows that I lawfully owe LVNV Funding LLC money?
|
| 05/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
One XX/XX/2015 I received my first credit card from " XXXX XXXX XXXX ''. Within less than 10 days of having the card, there was initial fee {$75.00} on the online statement. I call the company on XX/XX/2015, to close the card. They informed since, I only had card withing less than 15 days, they were not going to report anything to credit bureau. At that time I only owe them around {$100.00}. I sent money order withing 2 days of cancelled the card to in California, which they provided to me over the phone when I was cancelling the card.
Almost year and half later, I checked my credit report and saw XXXX XXXX XXXX Had been reporting to the credit bureau. Infact they had reported 7 months current payment and 8 months non-payment. I had send dispute to the 3 credit bureau and they didn't resolve my issue.
I contacted XXXX XXXX XXXX in my state. XXXX XXXX XXXX did removed the negative reporting.
While this was happening LVNV Funding LLC took over the false debt and start reporting my credit report. I had send several disputes them and they would not remove false debt. I need help solving this issue. Below is the account in question information.
Original Creditor : XXXX XXXX XXXX, XXXX.
Current Owner : LVNV Funding LLC Account Number : XXXX Reference Number : XXXX Thanks, XXXX XXXX
|
| 10/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been trying for quite a long time to get a XXXX XXXX collection item removed from my credit report. I have NEVER had any consumer relationship with XXXX. I have been with my mobile provider ( XXXX ) since XX/XX/XXXX and I 've had the same phone since that service began.
I have written Pinnacle ( Resurgent Capital Services ) before, most recently was XX/XX/XXXX and I demanded validation of debt. All they sent me was a XXXX billing statement with some small printed terms and conditions. Nothing signed, nothing proving it was me. The reason being is because they ca n't. Such documentation does not exist because I have never done business with XXXX.
I am sending them yet one more letter today as my last written attempt to get them to delete this item once and for all. There is no point in me asking for better documentation because again, it does not exist.
I am turning to you, the CFPB, to come in and save the day here for me and my family. I am a very credit conscience person and this derogatory trade line is impacting my ability to create new relationships with prospective lenders and I 've taken all the necessary steps to rectify the matter, but to no avail. Please act swiftly enforce some action here, I 'd be greatly appreciative of your efforts.
Sincerely, XXXX XXXX XXXX
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| 11/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
I originally opened an account with XXXX XXXX XXXX on XX/XX/XXXX. Due to unforseen circumstances ; I was terminated from my job and without income for a year. I fell behind on my card payments but eventually set up payment arrangements with XXXX XXXX to rectify the balance. Nevertheless, XXXX XXXX sold the account to Resurgent Capital Services on XX/XX/XXXX. At the time of the sale of my debt ; the balance was only {$250.00} and by the time Resurgent contacted me ; my prior arrangement with XXXX XXXX as well as my payments toward the debt were not calculated into the remaining balance. After making numerous payments to Resurgent ; my account has now been placed with LNV Funding LLC with a new amount different and outrageous than the last amount stated and/or agreed upon. Upon contacting Resurgent to get corrections to the amount, a letter confirming paid status, as well as promise to delete and/or notify XXXX, XXXX, and XXXX of the errors has failed. I spoke with agent XXXX of Resurgent on XX/XX/XXXX and she notified me that they would not send me any information regarding the deletion and/or clarification of being overly billed for the account in question. Upon contacting LVNV Funding ; they stated that the amount of {$700.00} was owed, which is the original amount of the sold debt.
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| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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I havent provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days.
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
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| 09/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I declare under penalty of perjury under the laws of the United States, if executed outside of the United States that the foregoing is true and correct to the best of my knowledge. Further, I certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that i made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Moving forward I would like you to stop reporting to all credit reporting agencies that i owe any amount to your company. Remove all these false debts from my report ASAPI will also like your company to mail me via postal mail all changes have or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
|
| 08/08/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In reference to previous complaint number XXXX. Resurgent Capital Services responded to the complaint and attached XXXX XXXX Statements. The statements show that payment where made to this account. However, they did not send me the signed credit application so I can investigate further. However, I give them an idea, please ask XXXX XXXX XXXX to provide a copy of the check or money order or provide me with the payment format used for this account. The payment format will show the address on the check or money order and if the payments were done online, then they have to have a record of the bank account used to apply payments to this account. This is the only way we can discover who opened this account in my name. On the response Resurgent Capital Service sent, they attached a letter in which they also mention that if this account was fraudulent to file a police report or a notarized identity theft affidavit. I went to my local precint to file a report and the officer refused to issue a report for an account opened 9 Years ago unless I provide a signed credit application. Therefore I am attaching a notarized affidavit. Please note I am out of state and have taken this to notarize in the State of Florida since I will be out of state for another week and do n't want this to stay on hold.
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| 12/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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LVNV has contacted me multiple times by mail over the past few months. Each time they have contacted me, I have requested validation of the said debt that they claim I owe. I have kindly requested validation each time I am contacted by them. LVNV has failed to provide me with such proof I requested. On XXXX XXXX I received a generic account summary page and a statement of what LVNV is under the impression I owe. This " validation '' does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Despite my efforts in trying to work with LVNV directly, they proceeded to insert an erroneous negetive tradeline into my credit file. This action is illegal based on the fact they failed to provide me with proper verification of debt on multiple occasions. This negative reporting has taken a serious toll on my credit report and finances in general by impacting my a cess to reasonable credit terms. This is going to cost me 1,000 's as I am in the process of purchasing a home and this is delaying my approval. This is all due to LVNV reporting an account that they claim I owe money one but in fact I have no idea what the money they claim I owe is for! I have no bad debts and LVNV is attempting to deface my name by reporting such info. LVNV Refernce ID : XXXX
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| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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LVNV FUNDING LLC through Resurgent Capital Services is reporting to the credit bureaus and threatening to sue me. Balance of {$330.00} according to them that I owe LVNV. I reached out to the creditor via certified mail end of XX/XX/2022 with a cease and desist, I have never signed or opt in or given any kind of written instructions to do business with them, I have never agreed to have them report any of my personal information to a third party ( credit bureaus ). I have no business with them whatsoever. With my written communication to them I requested they provide a Creditor Statement, individually and completely with factual evidence, also including but not limited to a complete forensic accounting of all accounts, Form FR2046 ( showing the original balance sheet ), an IRS form 109901D which will identify who the principal funds originated from a Full File Disclosure as well showing a wet signature of me doing business with them. They in turn sent me a letter through Resurgent Capital Services threatening to sue and continue to report to the bureaus. I sent them an additional letter stating that I wish all communication to occur in writing and to provide a full file disclosure. It is now mid XXXX, they still refuse to comply with FCRA laws to remove their reporting to the bureaus.
|
| 10/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I got a copy of my credit report. I wanted to dispute an account in collections i didn't know I had. When I got my results, back one of the bureaus couldn't verify so they deleted it from my credit report. The other bureau ( XXXX ) some how updated all the information as current and even my last payment made was updated to XXXX of XXXX. I've never been in contact with this company, I never made a payment and never spoke with anyone. I wrote to the bureau and asked to verify and validate the account and they never responded. Instead, they claimed to verify but never sent me any proof or any notice. Instead, I was sent a judgement from a court which I never even received a summons for. To top it off, the judgment was sent to my daughters apartment, not mine. They never sent me a validation letter, and didn't include any type of license numbers on any of these letters. I also wrote the bureau a new letter to provide me proof of last payment that they are saying I made and how they verified the account without showing me proof, showing me a contract that was signed by myself. Also, the amount on my credit report that they are saying I owe doesn't even match the amount owed in the garnishment letter. I want to sue this company on these false accusations and need help with going about it.
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| 11/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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LVNV Funding Breaking the law LVNV Funding sued me for a debt that I had requested more than 5 times for them to confirm that this debt was mine, I sent my letters certified. They never responded and then would just sell the debt to their other companies names, XXXX was called Resurgent Capital Services. I actually sent them verification/ validation letters as well. And again they never validated the debt.
Even when they served the paperwork at my sons house by putting the paperwork on the front door, the information on that is wrong as well, They have an address that is more than XXXX XXXX XXXX with the current charges before being charged off. How do I know that that this is my account, nothing seems right. They actually fraudulently changed the address on the paperwork, it is incorrect and all invoices are mailed to me.
Lvnv funding breaking the law Examples of false or deceptive statements XXXX XXXX are not allowed to falsely claim or imply that : Documents that they send you are legal documents if they arent- lvnv funding falsified documents and left on my sons front door, I have never lived at that address. I hired an attorney who did not do their job. I told them LVNV never verified.
Also the person that LNVN hired would call and say they have a gift for me. Yea right.
|
| 11/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX said I owe them {$410.00} and {$400.00}. I do not recognize this accounts. XXXX has two collections on my accounts.
I am requesting that you provide verification of this two collections you have on my account.
Please send the following information : The name and address of the original creditor, the account number, and the amount owed.
Verification that there is a valid basis for claiming I am required to pay the current amount owed.
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.
Whether this debt is within the statute of limitations and how that was determined.
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Sincerely, XXXX XXXX XXXX
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| 03/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I, XXXX XXXX, a federally protected consumer, is writing this complaint against LVNV funding LLC and XXXX XXXX XXXX. On XXXX I sent a letter regarding cease & desist, validation of debt, and AFFIDAVIT OF TRUTH. To this day more than 30 days later, I have not received a response to my request and I know it was received because I have certified XXXX receipts. I feel like my request have been completely disregarded and ignored. Sending copies of a bill does NOT validate a debt. I demand a complete audit trial and the journal and ledger of the debit and credit entries according to the IRS publication XXXX. I do not owe this alleged debt and I demand it be removed from all consumer reports, according to Section XXXX ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 30 days so they should be deleted promptly. I demand this inaccurate accounts be deleted immediately or I will file for litagation due to the stress and anxiety you have caused. My information was also impacted by the XXXX databreach as well and may have been exposed to the wrong person. Im not sure how LVNV funding or XXXX XXXX XXXX even obtained my all my personal information to contact me in the first place.
|
| 01/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
By letter dated XXXX XXXX, XXXX and received on XXXX XXXX, XXXX ; LVNV Funding ( letter attached ) notified me in writing " ... if you notify us in writing within 30 days of receipt of this letter ... we will obtain verification ... provide it to you. WE WILL CEASE COLLECTION ACTION UNTIL WE SEND YOU VERIFICATION. Letter dated XXXX XXXX, XXXX ( copy attached ) and Signed Receipt by LVNV Funding dated XXXX is attached. I notified LVNV Funding in writing effective XXXX XXXX, XXXX that i disputed the Debt and they were to provide me validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA bars any further collection activity until the validation has been sent. A letter dated XXXX XXXX, XXXX ( letter attached ) from XXXX XXXX XXXX XXXX XXXX XXXX is attached stating the LVNV Funding had assigned the delinquent account to them for collection. Further, LVNV Funding has continued since the XXXX XXXX, XXXX receipt of Dispute and Request for providing validation IAW FDCPA to report the Debt as a collection action to all XXXX Credit Reporting Agencies. LVNV 's assigning of Debt XXXX XXXX XXXX XXXX XXXX XXXX and their subsequent action without first validating the debt since requested in XXXX are express violation of the FDCPA. Also this is a TIME BARRED DEBT!
|
| 07/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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To be clear under the FDCPA, as a consumer I have a right to privacy in which youve intentionally continuously infringed upon without my content. After being put on numerous notices that I refused to pay this alleged debt and to cease communication regarding this alleged debt with all persons included consumer reporting agencies. In which I never gave neither company the authorization to share my nonpublic personal information without my consent. You are required under federal law to comply with my cease-and-desist order and to only advise me that your further efforts are being terminated but instead youve continue to ruin my reputation and provide unvalidated documents for which I did not request! Im demanding you to stop harassing me, by ruining my reputation over this alleged debt in which I dont not validate and refuse to pay which is my consumer right under federal law. No judgement has been provided in reference to this alleged debt nor do I personally have a contractual obligation with you. Therefore, under federal law for your failures to comply with numerous of provisions under the Act, you subject to any actual damage sustained as a result of such failure. Our correspondences are evidence that these violations were intentional and did not result from a bona fide error.
|
| 02/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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This account belonged to XXXX XXXX XXXX and has not provided the correct balance regarding this account.I received a letter and a spoke with a representative sometime inXX/XX/XXXX-XX/XX/XXXX and was advised that all of the transactions were credited and that they did update my credit report to remove the late reporting for the fraud charges, agreed to close the account and issued permanent refund. Then I received a bill huge bill and I had no Idea of why. This merchant agreed to do a reasonable investigation for fraud that was done on my account. They removed fraud charges, agents advised that the credits were permanent. The company also sent a letter stating that the the past due history was updated and all fraud charges were removed. XXXX XXXX also agreed to delete the account. However, XXXX XXXX sold the account again and there is a claim that there is a balance of {$800.00} for a credit limit that was only {$400.00}. My fees and interest have not been properly issue doing the investigation and nor did they dispute all of the charges as being fraudulent. In XX/XX/XXXXthey did agree and removed the XXXX XXXX account but now there is a company that I did also advise that I should not responsible for this account due to the fraud that was done because the card was lost/stolen.
|
| 01/26/2017 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
|
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I have received a letter from the XXXX XXXX XXXX XXXX. They have sent this letter for a company named LVNV funding concerning a debt that was on my credit report in the past and charged off on XXXX/XXXX/2007 according to this letter form XXXX XXXX XXXX XXXX. With that being the case any statutes of limitation has run it 's course.
LVNV Funding has received letter 's in the past from my attorney to cease collection efforts and they agreed with letter to my attorney. Now they are using this other company to collect an uncollectible debt. LVNV Funding is well aware of this and this is an illegal attempt to collect an uncollectible debt. This is an attempt at scamming me, If I was not aware of the law, I would not know what to do. This company, XXXX XXXX XXXX XXXX does not preform it 's due diligence before it sends out it 's notices. If they had they would see that this is uncollectible yet they try to scam people on a regular basis. I know several people that have had this company try to collect uncollectable debts. They even offer a " convenient '' repayment plan for those that are unaware of the law.
This to me seems to be in violation of the fair credit reporting act, violation of the Fair Debt collection Practices Act and is probably in violation of Oregon state law as well.
|
| 12/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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letter dated XX/XX/XXXX from RESURGENT CAPITAL SERVICES stating that I owe them a debt for {$570.00}. The Original Creditor was XXXX XXXX, who previously charged off the alleged debt. I have no contract with RESURGENT CAPITAL SERVICES nor LVNV Funding LLC. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I donot owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974. Let this be notice that I previously filed a complaint for a received letter dated XX/XX/XXXX from XXXX XXXX XXXX. stating that I owe that same {$570.00}. The Original Creditor was also XXXX XXXX, who previously charged off the alleged debt. So they are shifting the debt to another shell company. This has to stop!
|
| 05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
my complaint is about blatant violations by LVNV/Resurgent and XXXX, XXXX and XXXX. I asked LVNV to validate a debt they have listed on my credit reports. The first letter I sent was in XXXX they sent a bill to me. I again asked them for proper validation and they ignored my request. Since then I have sent 4 other letters and got no response. I can provide the letters upon request. I then disputed with the credit bureaus using the factual evidence from my reports. Needless to say I found several violations and inaccuracies so I disputed those as well even so they continue to report with no regards for the laws. I will attach pages from my report so you can record these violations. Each bureau has been reporting different information which can't be accurate. such as trying to re-age an account, also moving an account to another area on my report. Changing a collection from open to closed then back open. XXXX even went on to say they were no longer reporting this LVNV account but it's still there. This account has been listed with consecutive Charge-Offs for 2 years straight as well as reported late and past due on this collection. See for yourself.They seem to think the laws don't matter. I can't be the only one they're doing this to. I could really use your help in this matter.
|
| 09/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 04/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 03/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 10/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX XXXX put a {$39.00} in collection on me. I paid off XXXX XXXX and i guess this was a renewal fee. I never noticed this on my report and never received a notice in the mail since they were sending it to my old address and i never knew my account was sold, so when i saw {$39.00} and saw the name XXXX XXXX i send a check and sent both my moms payment in with two checks and both statements to XXXX XXXX. After watching my credit and noticed it was not taken care of i called XXXX XXXX and they applied BOTH checks to my moms account and took the blame and reversed the {$39.00} payment one her account and told me that they would take care of XXXX. After several months XXXX has not taken care of it. The day they applied it to my moms account ( XXXX XXXX XXXX ) Card XXXX was in XXXX, and the day they reversed it was XX/XX/XXXX. My file number is XXXX with XXXX. XXXX XXXX confirms they have this payment and I wish someone would help me with this. Its been months that this has been paid ( the day i found out about what this was i took care of it ) PLEASE HELP. XXXX should take this off my credit report since they NEVER sent me notice of this to the address i live at so i had no idea who they were. Do i need to hire a lawyer or the banking Dept?
XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American, Servicemember |
|
This complaint covers TWO civil suits that the company has in my district court. Both were discharged in bankruptcy court. The two cases remain in the court docket in XXXX XXXX Kentucky.
The first case XXXX was addressed by the company in CFPB COMPLAINT XXXX. The company stated in reply on a letter dated XX/XX/XXXX : Our records indicate that a lawsuit, Case No. XXXX, was filed on or about XX/XX/XXXX in XXXX XXXX XXXX in XXXX XXXX, Kentucky. A dismissal of the lawsuit was filed in XX/XX/XXXX, but upon review, the dismissal did not show to be recorded. The dismissal was refiled with the court on XX/XX/XXXX by Resurgents third-party servicer, XXXX XXXX XXXX, and they are awaiting the entry. Please see the attached docket for review They then attached an UNOFFICIAL COURT CASE summary. It appears again for the second time nothing was recorded.
THE COMPANY HAS TO SUBMIT A MOTION TO THE COURT TO DISMISS THE SUIT.
IT MUST DO THE SAME FOR THE SECOND CASE THEY FILED : XXXX XXXX KY XXXX XXXX CASE NR : XXXX.
If the companys attorney XXXX XXXX XXXX in Michigan is unfamiliar with Kentucky Civil procedures, I suggest they contact the court for proper procedures to dismiss BOTH cases.
Bankruptcy was discharged in XXXX, YET BOTH CASES REMAIN ON THE COURT DOCKET IN XXXX.
ENOUGH!!!
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
LVNV Funding is reporting a debt on my credit file that is not mine. I had tried to get in contact with them and explain that i was a victim of identity theft. Someone opened this account under my name but it was never used. The balance that was sent to collections is made up from their fee 's for opening the account and for being " late '' on these payments. I NEVER opened this account and wasn't aware this was even on my credit until i checked recently. I called and tried to work with LVNV Funding and came to the conclusion that i should settle the debt because it was significantly affecting my scores and for the balance it was not worth it to fight and continue to damage my scores. Now the debt is completely settled and I'm so over dealing with LVNV Funding for a debt that isn't even mine. I tried to get a deletion letter from them for the reason that it is not my debt and they would not supply that to me which is very ridiculous because i paid this debt even when it wasn't mine!!!! I NEED LVNV Funding to remove this erroneous debt from my credit file. It is not mine, it is paid, and it is affecting me being approved for financing and it is causing hardship on me, i can not have this debt that isn't even mine on my credit file anymore. I need it to stop damaging my scores.
|
| 11/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
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I've filed a dispute with XXXX XXXX where it was sold to Resurgent Acquisitions LLC credit card company . where I have been inarcerated in the Oklahoma department XXXX XXXX since XX/XX/XXXX serving a 25 year sentence in the Oklahoma department XXXX XXXX. Where I am housed at the XXXX XXXX correctional center at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen a account from XXXX that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my DOC prison Identification with my Social security card. Which could've all been verified by the Department XXXX XXXX had this company did a proper investigation into this matter. Where I sent them a letter in XX/XX/XXXX where they failed to respond back. First of all for these reasons if I have been incarcerated for the past 17 years in the Oklahoma department XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
|
| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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LVNV aka Resurgent Capital Services. This company continues to contact me regarding multiple debts that they have not verified/validated. They have emailed me over 90 times regarding different accounts they allege I owe. I have sent them a cease and desist notice which they have failed to honor. They are not only continuing to send me mail, but they are indirectly communicating with me via furnishing incorrect data to various consumer reporting agencies which is a violation of the FDCPA. They have submitted evidence through their representative which shows they have continued to contact me after they have received my notice to cease and desist all communication efforts regarding any debts they allege I owe. They received my letter on XXXX XXXX, 2021 and have sent me mail concerning these alleged debts XX/XX/XXXX and XX/XX/XXXX of 2021. This harassment and abusive debt collection practices. They are bullying me and trying to collect on debts that are not mine. None of the statements or information they are reporting on me is connected to any address of mine clearly this is an error and they have not efficiently investigated any of this information. I am demanding they remove all accounts they have furnished on my consumer report with all credit reporting agencies immediately.
|
| 06/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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*****NOT A DUPLICATE***** Recently I disputed this account on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I DO NOT OWE your company any money. Additonally, I know it is illegal for a collection agency to collect on behalf o f another one. How can a collection agency extend credit to consumers? They simply CA N'T. Since you ca n't produce a contract between me and LVNV Funding this account need to be deleted from my credit report. You are in violation of bothe the FDCPA and the FCRA. If these listings are not removed from all XXXX credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights.
**In the US law encyclopedia, American Jurisprudence , 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. T hus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
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| 07/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have paid the debt in full and was told it would be removed from my credit report. I have called the credit bureau and they said the collection company is LVNV Funding LLC. I paid the account off to Resurgent Capital Services on XX/XX/23 in the amount of {$1900.00}. When I called today XX/XX/23 to find out why LVNV Funding is still on my credit report I got a representative by the name of XXXX and they said they would even talk to me until I was verified. They wanted my SSN, address, and then a credit card. I gave them all that and then they told me they needed another card. I asked why and they said that they had to verify me. I said I have already given you all my information and one credit card. They then hung up on me. I called the number back and got the same XXXX and she said I had to pay to speak to her. I then said I wanted to speak to a supervisor. She said she couldnt unless I paid them money. She said she would only talk to me if I gave her more credit card information. When I call the number now it just keeps saying busy. The number I called I was given by XXXX bank of XXXX and they said I had to speak to them directly since my account has already been written off and sold to them. I am terrified now that it was a scam but why would XXXX give me a scam number?
|
| 08/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After careful review of my consumer reports, I noticed an account on my report from LVNV Funding account number : XXXX.
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between LVNV Funding and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement.
With that being said, had LVNV Funding sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that LVNV Funding provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt.
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
|
| 08/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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On XX/XX/XXXX, Resurgent Debt collection agency purchased my account from XXXX XXXX XXXX. The sent me email communication about the debt. I am writing this complaint because they are reporting false /misleading representation of this account on my credit report which cause my score to drop significantly. Attached you will all copies of my reports from all three credit bureaus with false and misleading information about the payments. The reports say that I am late 1 time on one report and 4 times on another report and not al all on the third report. I have not paid them late and I have proof of on time payments from the start. The company told me they would report on time payments not late payments. The have caused me a XXXX point drop in my score. Beginning XXXX on the XXXX and every month until XX/XX/2023 payments have been auto drafted from my account. I called them today about to ask about why they reported late payments and the lady was rude. I asked for a supervisor and she put me on hold. After sometime I hung up. I just discovered this and they refuse to remove the inaccurate information. I have tried communicating with them on several occasion to resolve this matter and they refused to work with me. There were times I called and was put on hold and then hung up on.
|
| 09/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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RESURGENT/LVNV FUNDING Account Name RESURGENT/LVNXXXX FUNDING Account Number Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1600.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX Balance {$1600.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$1600.00} Highest Balance - Terms 1 Months On Record Until XXXX XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX for this period Payment history guide Collection as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XXXX XXXX.
Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XXXX XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00}
|
| 12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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XXXX is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why XXXX had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX as a result of Credit Dispute # XXXX
|
| 03/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I learned of this debt when checking my credit scores one day. I was unaware of this debt as no Dunning Notice was sent to me. The company has also not verified my request for proof, including my original signature, that the account is in fact mine. When contacted through the XXXX all they sent me was a letter with an offer of a payoff plan from a third party, their purchase information from the original creditor, and statements from the original creditor. The amount of the debt is {$600.00}. The company bought this debt on XX/XX/XXXX, reported the debt to credit bureaus on XX/XX/XXXX, and the third party sent me the letter with a payoff plan offer on XX/XX/XXXX. I originally disputed this debt on XX/XX/XXXX through a credit repair company - this dispute never received a response, which is enough to remove the debt from my credit report to begin with. I complained about this company to the XXXX on XX/XX/XXXX. The company responded to my complaint on XX/XX/XXXX and declined their response XX/XX/XXXX. I received a second response from the company on XX/XX/XXXX, which I declined on the same date. The company has not provided any proof that an acceptable Dunning Notice was sent prior to reporting to credit bureaus or proof, with original signature, that the account is mine.
|
| 05/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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XXXX XXXX, XXXX XXXX " original creditor '' assigned a debt to LVNV Funding, LLC, who in turn retained the XXXX XXXX XXXX, XXXX, to pursue a claim against me for a debt that I have consistently maintained I did not open or authorize any person to open. The alleged debt is less than {$2000.00} ; however, the XXXX XXXX XXXX, XXXX refuses to accept my contention that I have been the victim of identity theft multiple times with different credit card accounts. I submitted a Debt Validation Letter to the assignee LVNV Funding, LLC and in response, LVNV Funding, LLC provided me with a bundle of account statements with much of the information redacted, thereby rendering their attempt at debt validation futile. Moreover, none of the documents provided bears my original signature. Neither creditor has provided, despite my request, a Credit Card Agreement or any document that bears my original signature, evidencing my request for credit. This fact notwithstanding, I was so overcome with high-pressure collection tactics and threats to damage my credit, I relented and made several payments to the alleged original creditor before I decided to take affirmative action to defend my good name.
Please stop the high pressure collection tactics of this creditor and its lawyers.
Thank you!
|
| 11/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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XX/XX/2023 I sent a certified letter to Resurgent/LVNV Funding with a delivery date of XX/XX/2023 exercising my right of FDCPA 1006.30a of placing an alleged debt ( 3 accounts ) on on my consumer report without my written permission ( 15USC 1681b2 ). The information was inaccurate and in violation. I requested the deletion of the accounts from my report. On XX/XX/XXXX I received a letter in regards to only one account alleging another company is the servicer of the account : also on the same day I received 5 pages of paperwork that included an account summary from Resurgent. I submitted another letter asking for validation of debt not verification. I received the same paperwork as before but it still did not complete my request. Then I was sent a letter from XXXX XXXX who then alleges that they are now attempting to collect the debt. This was the first time I every received something from XXXX XXXX. I received the letter from them after I submitted two letters to Resurgent/LVNV Funding. On XX/XX/2023 I sent another certified letter to Resurgent/LVNV Funding for violation of XXXX XXXX and XXXX XXXX XXXX. On XX/XX/XXXX I received six letters dated XX/XX/XXXX and XX/XX/XXXX stating that other companies are serving the account and some paperwork alleging debt verification.
|
| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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My name is XXXX XXXX a federally protected consumer, and I am making this complaint against LVNV FUNDING LLC for committing identity theft. I have never given LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt Pursuant to 1692c ( c ). Iam demanding u Cease and Desist of all illegal activity, of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence, such as a trilateral contract, that i have any legal obligation to pay them. If this documentary evidence, can not be produce and LVNV Funding LLC continues its collections efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. And also do you have a sign Authorization SSA - 89 form from the SOCIAL security administration about my SSN #. Please tell me you have this on file. Form SSA - 89. Upon the receipt of the documents herein and of this Notice, you are here by notified Pursuant UUC 1 - 202f. Your prompt Attention and Response are both requested and required. Account # XXXX
|
| 05/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
|
|
First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request.
I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing.
The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided.
I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me.
We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed.
Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from XXXX and the account numbers are the same l, but the dates do not match.
The debt buyers date is listed as after the possible loan.
|
| 07/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.
Debt Collectors do not have any lawful right to be in possession of my identifying information.
I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).
Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.
Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.
Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.
The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.
|
| 10/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
1. XXXX XXXX Upon reviewing my credit report XXXX XXXX ( XXXX XXXX XXXX ) was listed as in default.
This acct. was supposedly opened on XX/XX/XXXX And reported to credit bureaus on XX/XX/XXXX its listed as a one month term? for {$390.00} this is not my debt. Ive been with my current provider for several years. Please remove this account from all credit reporting agencies pertaining to me. This is a fraudulent claim.
2. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Resurgent are all listed as separate entities attempting to collect credit card debt. XXXX lists as me owing {$750.00} XXXX XXXX XXXX lists as owing {$640.00}. In reality it is one debt, but listing separately harms my credit report as it appears that I owe several accounts. On XX/XX/XXXX at XXXX XXXX., I spoke with Mr. XXXX of XXXX XXXX he could not tell me when acct. was opened, but I was told that this credit card debt is currently listed with them, they represent XXXX XXXX XXXX. My report should list XXXX Only ( not other three accounts ). Mr. XXXX asked me to fax my XXXX information so this can be resolved. I faxed it on XX/XX/XXXX.
Please remove XXXX XXXX XXXX, XXXX XXXX XXXX and Resurgent from my credit files. As it appears I owe several accounts which is false reporting.
Thank you XXXX XXXX
|
| 09/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I've been in communication with LVNV Funding since XX/XX/20. They were negotiating a settlement with me and when I told them I needed a consideration because I am going through a financial hardship they told me to contact XXXX XXXX. I contacted XXXX XXXX and arranged a settlement and the day I called in to process the payment they refused to take it. They said the account was transferred back to LVNV Funding so I called them and they refused to take a settlement. They would only take the full amount. The reasoning behind this was because in their system it showed that XXXX XXXX was servicing the account. The odd thing was that they wouldn't take a settlement JUST a payment in full. With all this back and forth I still have not been able to settle this account and they continue to mark me late on my credit every single month. I beleive it is unfair and illegal for them to do this. I have the money, I made arrangements so why can't they keep their word and settle my account? It seems like the owner of the debt ( LVNV ) caught wind that I was settling the account for a reasonable amount and they didn't want that to happen so now they have my account in a limbo where I am the only one losing. I can't pay to stop the negative credit reporting and they don't seem to care.
|
| 07/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018, this debt for {$890.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
|
| 10/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX I asked the credit bureaus ( XXXX, XXXX XXXX and XXXX XXXX to verify the XXXX account XXXX The account came back as updated. After getting a response from the bureaus I sent a letter to XXXX on XXXX asking them to provide me documents validating this account belongs to me. They responded on XXXX stating they are unable to determine the nature of my dispute and requested I send in additional information. Then on XXXX XXXX they sent me a letter stating they do not honor requests to remove reported delinquencies when the information is accurate. On XXXX I sent another letter stating they failed to provide me with the requested documents validating this XXXX account belongs to me. I then received a letter stating the account has been sold to another company. On XXXX I sent another letter explaining to them that I am requesting the original documents along with other documents they have because I never opened a XXXXXXXX account nor have I heard of this company. I explained to them that I don't have a credit card with their company therefore this company is reporting inaccurately along with the company in which they sold the account to which is LVNV Funding LLC/LVNV Funding.
LVNV was deleted from XXXX however the account is currently showing on XXXX and XXXX.
|
| 05/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was going through my credit report and noticed this collection on my account thats allegedly mine. Not only do they not have the correct address or email or job but they don't even have the correct name! Then I went further, so many of these dates are invalid or N/A which means they have no information at all linking me to this debt. The dates of last payment and dates of last activity are invalid as stated in the paperwork I have uploaded so being able to age this debt is absolutely impossible! The date closed is also invalid or non existent. Not to mention i request a contract or anything else bearing my signature linking me to this account.. there isn't any! I know my rights as a consumer and FCRA laws. This is defamation of my character and I will be suing for damages if these accounts are not immediately deleted from all credit reports immediately! Also I have included the payment history chart that shows absolutely zero information at all! This company has also filed bankruptcy and been purchased by another company for probably reasons like this! Thank you and please view all evidence uploaded plus I have more if needed, my attorney has all the paperwork and we will be moving forward with litigation if these are not removed immediately. Thank you very much!
|
| 05/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was going through my credit report and noticed this collection on my account thats allegedly mine. Not only do they not have the correct address or email or job but they don't even have the correct name! Then I went further, so many of these dates are invalid or N/A which means they have no information at all linking me to this debt. The dates of last payment and dates of last activity are invalid as stated in the paperwork I have uploaded so being able to age this debt is absolutely impossible! The date closed is also invalid or non existent. Not to mention i request a contract or anything else bearing my signature linking me to this account.. there isn't any! I know my rights as a consumer and FCRA laws. This is defamation of my character and I will be suing for damages if these accounts are not immediately deleted from all credit reports immediately! Also I have included the payment history chart that shows absolutely XXXX information at all! This company has also filed bankruptcy and been purchased by another company for probably reasons like this! Thank you and please view all evidence uploaded plus I have more if needed, my attorney has all the paperwork and we will be moving forward with litigation if these are not removed immediately. Thank you very much!
|
| 02/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am seeing a debt on my credit reports XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services I had no idea who this agency was, nor was I aware of said collector until I applied for a vehicle loan I had never had any communication with them in the form of email, regular mail and or phone call regarding this debt of {$2300.00} Upon our Lawyers advice we wrote to this Agency asking for verification of said debt The letter was very precise and specifically asking for the following ; to provide any and all competent evidence that I have any legal obligation to pay them Specifying that I had no contract with this Agency for said debt I wrote this letter in XXXX of 2018 and sent it Certified Return Receipt Requested After a little over a week I received the confirmation from XXXX that they signed and received my request for validation letter ( signed return receipt was delivered to me ) As of this date I have still not received any validation from this Agency nothing that legally validates any obligation or contract to pay this Agency - no proof of any correspondence with this Agency I have not received any correspondence and/or phone calls I have never spoken with any individual from XXXX / XXXX Resurgent Capital Services They are still reporting to all 3 credit bureaus!
|
| 04/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am responding to the letter from Resurgent Capital Services dated XX/XX/XXXX. This was attached as a response to a complaint created with CFPB. In this letter, Resurgent Capital Services, states that their records indicate that I submitted a fax dated XX/XX/XXXX requesting that their office cease communication. I did not create nor send their office any fax. The fax that they attached to their response is fraudulent. It does not bear my signature and appears to have been created as some type of word document. It also bears the number of XXXX, which is located in XXXX, Georgia. I do not and have never resided in XXXX, Georgia. Resurgent Capital Services fraudulently created that letter/fax. My correspondence with their office has only been via letter with my signature, most of which were sent certified, as well as through Consumer Financial Protection Bureau. In addition to this, my correspondence has never included a request to cease and desist, but has been requests for debt validation that their office failed to provide. In their letter, it states that, Resurgent takes its customer service and consumer protection obligations very seriously Clearly it does not as their office has created a fraudulent document to justify their collection attempts on this account.
|
| 07/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I've notified all three credit reporting agencies about fraudulent activities. All have been notified in writing and online of my DISPUTE.
I'm having issues with XXXX. One of two large accounts has been removed. One from LVNV Funding LLC in the amount of {$2700.00} has not been removed by them. Both of the accounts ( in the amounts of : {$5000.00} & {$2700.00} ) have been removed by XXXX. This reinvestigation has been ongoing for more than 30. I was notified by XXXX they needed to extend the time to XXXX and then extend to XX/XX/XXXX. This one account of {$2700.00} has not been deleted from my credit report with XXXX. Once it is deleted/removed, I will be approved to rent a studio apartment at a HUD community XXXX I've been denied due to these two collections that aren't mine.
Please help me get this removed as I am a XXXX ( physically, mentally, and financially ) as well as identity theft. There are several people that have my SS number, CA ID, full name, and date of birth. It's very easy for someone to apply for credit in my name. All credit inquiries since XXXX are not mine. I only pay with my debit card or cash. I have not opened any line of credit or applied for anything other than this HUD apartment. Previously I was a home owner for 28 years.
THANK YOU!
|
| 11/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX I received a letter from Resurgent Capital Services. The letter stated that enclosed was a document that I request. I requested validation of an alleged dept pursuant to 15 USC 1692g. All I received was a statement detailing false information, such as listing XXXX XXXX as an original creditor, where 15 U.S. Code 1692a defines a creditor as " any person who offers or extends credit '' which in fact XXXX XXXX can not do. This statement along with the attached document is a violation of 15 U.S. Code 1692j, as I requested validation but instead was issued a deceptive form of a statement and a letter stating than an alleged debt was owed, which is also a violation of 15 USC 1692b ( 2 ) which details how a debt collector shall " not state that such consumer owes any debt ''. Additionaly this organization has violated USC 1681 ( 4 ) of the FCRA when they obtained my location information from an unauthorized 3rd party " LVNV Funding '' and then contacted me without my receiving " prior consent '' as mandated in 15 USC 1692c of the FDCPA. Pursuant to federal law, this organization has violated several laws of the FDCPA as well as FCRA and is liable for both willful and civil negligence. This negligence has tarnished my reputation, as well damaged my credit file.
|
| 07/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received correspondence from a company named XXXX XXXX XXXX ( XXXX ) about a {$650.00} debt on XX/XX/2020. XXXX stated in their correspondence that they had acquired the debt from LVNV Funding and that I had 30 days to dispute. I sent XXXX a letter on XX/XX/2020 and asked for debt validation within accordance of the FCRA & the FDCPA. XXXX sent me correspondence containing what they had acquired from LVNV Funding on XX/XX/2020 and stated that is all that they had received. I wrote LVNV Funding on XX/XX/2020 and XX/XX/2020 asking for documentation of debt validation and that they indeed even own this alleged debt that they are reporting onto my credit report. They have yet to respond to my requests. XXXX has not responded to my request for proper debt validation either that was dated for XX/XX/2020.
LVNV has not verified or validated anything within accordance of the law and they keep updating my credit report monthly. Secondly, on my correspondence from XXXX, LVNV was named as the Original Creditor. I didn't know that collection agencies can be XXXX 's.
Please look into this matter because neither company has replied in a timely manner to my request yet my credit report was updated from LVNV Funding on XX/XX/2020, 5 days after the 30 day response time.
|
| 07/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2009, I was notified of a default judgment against me by XXXX XXXX XXXX. I then went to court and filed paperwork based on the fact that ( 1 ) this is not me, and ( 2 ) I was never notified of any debt from XXXX XXXX.
For many years thereafter, I would get a letter from a collection agency stating that I owe this and need to pay. I would then respond that this case was dismissed and I do not owe anything and I am not the correct person. They would not contact me again. However, they would sell this supposed debt to another agency under false pretense that I did owe the debt. Then I would have to do this again and again each time.
I received another letter last XXXX from Resurgent Capital Services located in XXXX, SC. I responded that I do not owe this debt because I am not the same person, and this case was dismissed entirely. They did not reply.
Then early this month, I received another letter from Resurgent Capital Services trying to collect this debt. However, this RCS is located in XXXX, MI. And they attached a copy of the default judgment that has no effect given the default was set aside and the case was dismissed. The purposely left out the fact that this case was dismissed and tried to trick me into thinking there was a judgment against me.
|
| 09/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
LVNV Funding LLC is using Resurgent Capital Services to contact me without my prior written consent about an unverified debt that is not owed. LVNV funding LLC is in direct violation of my consumer rights pursuant to the Fair Debt Collection Practices Act. LVNV Funding LLC has no business transactions with the consumer and now is a debt collector acting as a creditor. I do not consent to this harassment by LVNV Funding LLC. I do not have a contract or any transactions of credit with this agency. I previously served this company with a Cease and Desist from contacting me with false and deceptive forms that they made up of alleged debt. LVNV Funding LLC claimed to verify this allege debt with a false and misleading form. Verification is a sworn statement under the penalty and perjury of law of first hand knowledge and facts that I owe this alleged debt. This communication is unwarranted. Federal litigation will begin soon for direct violations from this company. Statement from another company is not verification. LVNV Funding LLC is committing mail fraud through interstate commerce. XXXX XXXX has given my nonpublic information out to this company without my consent. This contact from them is causing me significant harm and stress to my life and financial hardship.
|
| 12/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
Around XX/XX/2021 I reached out to arrange a stipulated judgment agreement/payment plan, as XXXX XXXX XXXXXXXX were suing me on an old credit card debt/breach of contract. I have previously entered into such agreements with other firms and never had an issue, once discussed, they were happy to agree and submit documentation to the court. We arrived at an agreed amount, I was informed of many things, including I'd need to sign papers as to our negotiated agreement ( which arrived very late, but that's fine ). I had made it clear this was a stipulated judgment and, at no time, was this corrected. A few weeks later I received notice that a default judgment would be entered against me. When I asked the firm about this, I was informed " because you didn't contact the court ''. This had never been the case and I was given to understand this would be a stipulated judgment. I receive the unprofessional reply of " oh, we don't really do those. But you're still on a payment plan, so it's okay ''. This gives an unfair advantage to the firm, which, obviously, had I known they were planning on proceeding thusly, I would ; ve contacted the court, myself to avoid this from happening. They also failed to fully disclose their intentions, on multiple levels, all FDCPA violations.
|
| 03/31/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I received a letter from XXXX XXXX , XXXX which claims their client LVNV Funding LLC has " purchased '' an account from XXXX XXXX XXXX XXXX. for {$14000.00} which is far more than I ever had a credit limit for when I was a customer of XXXX XXXX. I filed a complaint against XXXX XXXX a very long time ago for fraud, which they paid off as part of a class action lawsuit with multiple Colorado plaintiffs but I never owed XXXX XXXX anywhere near {$14000.00}. XXXX XXXX is claiming that I can discharge this debt for a one time payment of {$5900.00} which confirms the debt is false and spurious. XXXX XXXX has provided NO evidence that their client purchased the alleged debt, they have not provided any contact information other than a phone number and a Post Office box, and the letter was dated " XX/XX/2020 '' but was not received until XX/XX/2020. XXXX XXXX has not identified any specific person at LVNV Funding or any contact information for LVNV Funding to dispute this alleged debt. In short, this meets the criteria of " phantom debt '' where unscrupulous and criminal perpetrators attempt to shake down the public to avoid shame. I am requesting the name of principals involved at XXXX XXXX and LVNV Funding that can be named in subpoenas for deposition and litigation.
|
| 05/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My concern is that Resurgent Capital Services/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX , continue to make claims of me owing a debt to them. I know for certain that I have not engaged in any business with either of these companies, however, they remain consistent that an alleged debt is owed to them. When I requested VALIDATION of the alleged debt ; that they expect payment for, Resurgent Capital ServicesXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX falsely generated forms to VERIFY their claims to an alleged debt. That was not the request. The other problem extending from their fraudulent activities is the fact of them reporting to the credit reporting agencies such as XXXX, XXXX, and XXXX. I have also observed this information on XXXX. Resurgent Capital Services/ XXXX XXXX XXXX , has no legal rights to operate in the manner that they have against me any more than XXXX XXXX XXXX XXXX XXXX This continues after being instructed to cease and desist their actions/activities.
It would be easier for Resurgent Capital ServicesXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX to produce any existing contracts had between them and myself that binds me to an alleged debt in efforts to establish and solidify their grounds to collect anything from me. STATEMENTS ARE NOT CONTRACTS.
|
| 05/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
2 years ago an account from XXXX XXXX showed up in my credit report, I contacted the source and through internal investigation it was discovered as fraud and I asked them to close the account and report to credit agency of their finding and they did and remove the account and I put fraud alert on the reporting agencies. fast-forward to 2 months ago I got the annual report and the collection LVNV Funding / Resurgent Capital showed up. after contacting the company I discovered that the original creditor ( XXXX XXXX / XXXXXXXX XXXX ) have sold the account to this collection company. I notified the collection company in writing providing them with my personal identification and asked them to provide me with verification of original contract/ agreement / statement or anything that would be connecting me to this debt ( please see attached documents ) they have not provided me with nothing other than some computer generated statement and credit application that does not match with any of my personal ID such as date of birth, address, employment, driver license. 15 U.S Code 1693f and 15 U.S Code 1692g- validation of debt and 15 U.S Code 1692j -Furnishing Certain deceptive forms, this collection company are in violation of the many U.S Code Chapter 41, Subchapter 1692g.
|
| 01/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My name is XXXX XXXX, and my maiden name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency.
I have attached all of the letters that I have sent to LVNV in response to the derogatory information that was placed on my credit report. I never received a response from the company from any of the letters that I sent out. Then they tried to take me to court in which they closed the case due to identity theft as I stated before, but they have yet to answer for the violations that have been done to me. They have ruined my reputation, my character and my chances in getting approved for credit.
The information has been removed from my credit report, but I am still dealing with the after effects of the derogatory information that was place on my credit report. They have violated several US codes as listed in the attached letters.
I have lost job opportunities, the ability to get a student loan to go back to school because of the information that was placed on my credit report. Although it has been removed, I did not gain the points that were taken from my credit score once this information was removed and I am still feeling the after effects of LVNV and Resurgent Capital Services and the information that was on my report.
|
| 06/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
have received information regarding a debt that is being claimed against me.
LVNV FUNDING LLC Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify this debt I need you to provide the following : - THE ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE ORIGINAL CREDITOR - FULL PAYMENT HISTORY OF THE ACCOUNT.
- PROOF THAT YOU OWN OR HAS BEEN ASSIGNED OR HAVE AUTHORITIES TO COLLECT THIS DEBT.
- LICENSE THAT SHOWS YOU CAN COLLECT IN NORTH CAROLINA.
After receiving such information I will review and respond within the 30-day period allotted to me under federal law.
If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.
Furthermore, Under 15 U.S. Code 1692c I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.
I appreciate your efforts in this matter and look forward to your response.
Regards.
|
| 08/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
saw on my credit report I owed Resurgent Capital Services for XXXX XXXX ( XXXX XXXX ) credit card. Contacted company and spoke to XXXX XXXX who I told I had already paid this debt thru previous debt collect XXXX and XXXX, but tried to contact them and she informed me they went out of business but that she would resolve. Today I got a letter stating I owe XXXX to Resurgent on behalf of XXXX XXXX XXXX for the XXXX XXXX account that has been paid. I called and they said they were closed for the holiday ( it is XX/XX/XXXX ), left a message. I have the original paperwork that XXXX and XXXX sent me that they seeked a judgemnt thru XXXX XXXX court and my wages were garnished for the full amount of the debt showing on their paperwork. Now this new letter shows a different amount owed and since XXXX & XXXX went out of business or was shut down, I do not know how to prove this other than through my pay stubs which aside from the garnishment amount, I do not want to give them personal bank acct info- I need to know how to get this OFF my credit report as paid. It should be Resurgents responsibility to verify this debt, not me jump thru hoops showing it has been paid. this was done in XXXX per attachments, total garnished matches the paperwork for garnishment from lvnv
|
| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To Whom it may concern, I have been trying to dispute Account # XXXX LVNV Funding to get this deleted from my credit report. This account was reporting on all three credit bureaus but it was removed on XXXX. And it should be removed on XXXX and XXXX as well. I mailed LVNV on multiple occasions indicating the laws that were broken for reporting this account my most recent letter stated this account was reported without any permissible purpose 15 USC 1681g- Disclosures to consumers subsection ( a ) Information on file. Also, I asked you to validate this debt by showing me the original contract with my signature on it and the actual accounting. I was not sent anything that showed this debt has been properly validated. This is a violation of 15 USC 1681i- Procedure in case of disputed accuracy. It says if the information is found to be inaccurate or incomplete the consumer reporting agency shall remove this account. This account has been removed from XXXX please see screenshots below. Credit reporting agencies are supposed to report the same thing to each agency. So if an account is removed on one it needs to be removed on all including XXXX XXXX XXXX. If both accounts are not removed that is a violation of 15 USC 1681n- Civil liability for willful noncompliance.
|
| 12/08/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Amount {$1100.00} Date Unknown Hi, I have tried countless times to dispute the issue with XXXX and Resurgent every time I call and provide my information they tell me that they can't help me because the social security number they have does not match my account however they continue to report this account on my credit report. They even told me that the social security does not match it has my name and therefore I am responsible for the account XXXX XXXX XXXX RE : Validation Requested RE : Account # XXXX To whom it may Concern, I dispute your claim and I am requesting validation from you under the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide a breakdown of fees including how you calculated what you claim I owe. Please provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Please send this information to my address and accept this letter as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.
|
| 11/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This company refuses to provide proof that any of the XXXX debts they claim they purchased are legitimate. I have had XXXX different process servers show up at my doorstep as a result of this company on over XXXX XXXX occasions with my personal financial information and potentially reputational damaging information exposed to all XXXX process servers. They have to follow privacy laws like every other company with regards to information like that. My information was not protected and illegally purchased. I receive a notice indicating that I had been sued when I hadn't even received a summons. It had been delivered to a neighbor. I have tried disputing all XXXX items with the credit reporting agencies without success and even with documents, videos and photos won't allow me to upload the evidence. Customer service with XXXX, XXXX and XXXX XXXX are practically non-existent and useless. This company grossly violates privacy rights and debt collecting practices yet they're still allowed to do business. Note how each person is holding the summons in the open, not in an envelope. I learned what they were from a business card that was left by the process server. Again, none of it was obscured from the 3 party and was actually given to a neighbor without an envelope.
|
| 11/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Wrote letter to XXXX XXXX XXXX/XXXX XXXX requesting validation of debt and to provide legal validation as required by my state that I have an account with them or any liability to pay them. I do not have any obligations, contracts, agreements to pay and disputed this debt in its entirety via tracked mail directly to the company and they have provided no response validating my request. However they continue to place miscellaneous balance increases to my XXXX XXXX XXXX reports, XXXX has removed this from my reports as it is clearly a violation to report inaccurate information. This is an attempt to resolve this matter without further harm to my credit file and having to take additional action against XXXX and their illegal reporting practices. the last that I saw in my credit files was an amount of XXXX XXXX which continuously increases little by little. Upon contacting the listed OC - original creditor I did receive a letter saying it has a 0 balance and has been with another company aside of this XXXX XXXX. it reflects a false balance, it reflects false responsibility, it reflects inaccurate dates which affect the Statute of Limitation of the credit agencies. This should be deleted from my file of XXXX and XXXX as it is in violation of many reporting laws.
|
| 03/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to dispute fraudulent information that has been reported on my credit file. I recently reviewed my credit report and found several accounts that I did not open or authorize. This indicates that my identity may have been stolen, and fraudulent activity is taking place using my personal information.
The following accounts were not opened or authorized by me : # 1 XXXX XXXX Last reported XX/XX/2023 {$870.00} # 2 LVNV FUNDING LLC Last reported XX/XX/2023 {$320.00} # 3 XXXX XXXX XXXX Last reported XX/XX/2023 {$110.00} I did not apply for any of the above accounts and have no knowledge of them. This indicates that someone has obtained my personal information and used it for fraudulent purposes.
I am requesting that these accounts be immediately removed from my credit report, and that all related charges and fees be removed as well. I am also requesting that you investigate this matter further to determine the source of the fraudulent activity and take appropriate action to prevent it from happening again.
Please provide me with a written confirmation of the outcome of your investigation, and any actions taken to correct the fraudulent activity.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX Regenerate response
|
| 03/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Hello, I have never had an account with XXXX XXXX They have reported a collections account # XXXX to all three credit bureaus since XX/XX/2016 for a amount of XXXX. I have submitted letters to three bureaus asking them to ask XXXX to validate, meaning send me paper with my signature on it and they have yet to send anything and its still reporting negatively on all three reports. THEY HAVE NOT SENT ME OR THE BUREAUS ANYTHING but a statement saying its mine with NO SIGNATURE. I have disputed twice this year. Every time I dispute XXXX results In more and more phone calls from their " Legal team '' which I am not to sure is a real legal team. They have threatened to sue me every time. Just this past month I contacted both the bureaus and XXXX XXXX trying to get this collection agency to send me proof that they have even have a license to collect in the state of Ohio because I've researched on that the secretary of state page and even spoke with a representative and they verified that they can't find a license to collect. When I called XXXX XXXX asking the same question they transferred me to their legal time. When speaking with the legal team they wanted me to make a payment before they went any further. THIS DEBT IS NOT MINE. XXXX XXXX DOES NOT HAVE A LICENSE.
|
| 06/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have repeatedly tried to contact XXXX XXXX XXXX and XXXX XXXX XXXX over the last 2 weeks to pay off a {$110.00} collection from XXXX XXXX. XXXX tells me that the debt must be paid through XXXX XXXX, and depsite leaving multiple messages with XXXX XXXX XXXX, I have not received a call. I called XXXX again this morning ( XXXX XXXX ) and was informed that they had been sold to Resurgent Capital Services. I was able to speak with a supervisor at Resurgent who informed me that I would still have to pay via XXXX, but all of the phone numbers for XXXX go directly to Resurgent. After calling a third time to Resurgent, a senior supervisor named XXXX told me that it would take more than a week to be able to pay that debt.
I had no knowledge of this debt until applying for a home mortgage, and was instructed by our loan processor to pay it in order for our mortgage to go through. I am VERY concerned that by not be able to pay this small debt, despite attempting to pay it numerous times, that it will affect our home mortgage. I also doubt the validity of the debt itself, but am not going to get {$110.00} stop us from getting our house.
I would like to pay the {$110.00} and be done, and can not believe that a debt collection agency will not allow me to pay a debt.
|
| 06/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I disputed a XXXX XXXX XXXX XXXX./XXXX XXXX ( XXXX ) in regard to an unknown XXXX 'XXXX XXXX account after pulling my credit reports which was said to been verified. XXXX said they aquired the debt from parent company XXXX XXXX XXXX ( XXXX XXXX ) but say they sold the debt to RESURGENT CAPITAL SERV around ( XXXX ). All 3 companies are reporting inaccuracies to the credit bureaus in violation of CFPB law. XXXX charged off acct. on ( XXXX ) with a balance of {$440.00} which is still reported as XXXX with ( XXXX ). XXXX 'S also reports acct.with XXXX as ( C/O BAD DEBT ). RES.CAPITAL SERVICES is reporting to ( XXXX ) the same acct. open with ( BAL.DUE {$440.00} ) on behalf of XXXX from ( XXXX-current ) which I believe is double jeopardy and in violation of CFPB and FDCPA. Its negatively hurting my credit score and XXXX/XXXX XXXX sent a letter saying they reported everything to all 3 bureaus accurately and won't remove any negative remarks. XXXX also shows a Charge-Off from XXXX/XXXX XXXX on ( XX/XX/XXXX ) and PAID ON TIME status from ( XXXX XX/XX/XXXX ) with Date of Last Payment as ( XXXX ). Which one is accurate. The last reports/updates are ( XXXX XXXX, XXXX XXXX AND XXXX XXXX ) which makes me believe they never actually investigated the dispute.
|
| 03/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
LVNV Funding, LLC aka Resurgent Capital Services and through their collector XXXX XXXX XXXX XXXX are and continue to use a letter which implies and purports to be from the original creditor, who is in fact NOT a participant to the collections activities, to collect a debt.
They are also falsely/misrepresenting to all 3 CRA 's that I have an open account with them which I do not have. They have no authentic, certifiable data or account level documentation to support such a collection account. This false letter and documentation also apparently furnished to the CRA 's has held this consumer back from applying for credit as their open account falsely indicates the character and amount of an alleged debt. These companies can not and will never have certifiable, authentic and or a proper affidavit of account level documentation to pursue collections. Therefore they " parked '' said alleged unsupported debt on all 3 major credit reporting agencies to pressure me, a consumer, into paying them, in an extortionist like act, to make this go away.
Numerous previous such violations have already been ordered to stop by the CFPB and others. Please also see the financial complaint I will file here or with the FTC as they are a financial institutions breaking the law.
|
| 09/22/2016 |
Yes |
|
|
|
Web |
|
|
My company, XXXX, had a XXXX card with XXXX bank in XX/XX/XXXX to XX/XX/XXXX. As a result of the financial crises of XX/XX/XXXX/XX/XX/XXXX the company failed and filed XXXX XXXX Bankruptcy in XX/XX/XXXX. This debt was included, and XXXX, as part of the Bankruptcy. XXXX sold off this account to XXXX in XX/XX/XXXX and they were told by myself that this was a corporate, not personal, debt which had been XXXX in Bankruptcy. They, meaning XXXX XXXX, agreed to remove the debt from my personal credit ; which they did. It is now more than 5 years later and all of a sudden it has appeared on my personal credit once again. The first time it was an inadvertent error which they corrected after I filed formal complaints against them with the CFPB and Attorney Generals Office of New Mexico where I was living at the time. However, this time it feels as though it is malicious in nature and nothing more than extortion. They are trying to collect on a XXXX debt that they have been formally advised was disputed more than 5 years after the fact. This is harassment and a violation of my rights as a consumer and also a violation of THE FAIR DEBT ACT. Please help me resolve this matter once more and advise of my rights to seek damages against an out of control collection agency.
|
| 12/08/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Amount {$1100.00} Date Unknown Hi, I have tried countless times to dispute the issue with LVNV and XXXX every time I call and provide my information they tell me that they can't help me because the social security number they have does not match my account however they continue to report this account on my credit report. They even told me that the social security does not match it has my name and therefore I am responsible for the account LVNV Funding LLC RE : Validation Requested RE : Account # XXXX To whom it may Concern, I dispute your claim and I am requesting validation from you under the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide a breakdown of fees including how you calculated what you claim I owe. Please provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Please send this information to my address and accept this letter as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.
|
| 08/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was summoned to XXXX County Court, MA on XX/XX/XXXX and XX/XX/XXXX respectively by a law firm ; XXXX XXXX XXXX XXXX XXXX XXXX representing XXXX XXXX XXXX and XXXX XXXX XXXX As Assignee of XXXX XXXX XXXX for a credit card debt in the amount of {$2400.00}. I was vindicated by the court as not responsible for the debt. Attached is the disposition of the judgement from the court. I have since then sent 93A demand letters both certify and 1st class mail to the plaintiffs in the case for them to delete the negative item from my credit report but they refused to obey the court order. The letters sent to them were dated XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, More so, I have send similar letters to the three Credit reporting Agencies, XXXX, XXXX and XXXX to make due diligence and remove the negative item but to no avail.
Attached is the response from the Law firm XXXX XXXX XXXX XXXX XXXX represented XXXX XXXX XXXX and XXXX XXXX XXXX.
Attached also is the response from XXXX XXXX XXXX It is pertinent to note that, since I was vindicated by the court I have written numerous letters to XXXX XXXX XXXX both certify and 1st class mail to delete the negative item from my credit report and they never responded to my 93A demand letter.
|
| 04/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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on XX/XX/XXXX a payment was posted to Resurgent Capital Service. i received a recipe stated that the payment was posted and the bal was XXXX so when i called to pay it off i was told that it was not the correct balance and the balance on the letter was a computer error this was told to me by someone saying he was a supervisor. but after talking to another supervisor for Resurgent Capital she said that the {$740.00} is what she see that was owe on the account and she couldnt get into see the account that i need to talk to the server of the account. so i explained that i was going to contact a lawyer because ii didnt want to mess up my credit for them trying to collect what not on the recipe.wahts on the letter is what i should pay since it came from Resurgent capital.its bad enough that they post that i was late in XX/XX/XXXXon a payment and reported it to the credit reporting when i ask why all they said was it didnt reach them in time and it was the timing not the date so that put me 30 day past due and its nothing they can do to remove it after i ask can the do a goodwill removal i was told no. when i pay this account i will never have anything else to do with this company i am going to file a law suit if not resolved. account # XXXX. R ESURGENT # XXXX.
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| 05/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently looked at my credit report and saw this company LVNV reporting a account. Funny thing is I have no clue who they are and don't owe them any money. I am filing a complaint against them demanding to see a contract I signed and proof I owe them. I demand they cease any and all contact with me and their reporting of this damaging info to third parties. I want this account DELETED from my credit reports now. This company has violated so many laws under the FDCPA and I plan on holding them liable as far as court if I need to. LVNV violated the FDCPA by not providing me with a notification before reporting the collection account to a credit reporting agency. The FDCPA requires debt collectors to provide consumers with a written notice within five days of their initial communication, which must include : The amount of the debt The name of the creditor to whom the debt is owed A statement informing you that you have 30 days to dispute the validity of the debt A statement informing you that if you dispute the debt, the debt collector must provide verification of the debt In addition, the FDCPA requires debt collectors to provide validation of a debt if a consumer disputes the debt within 30days of receiving the initial notice. I expect a speedy response
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| 07/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Servicemember |
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in XXXX i had a XXXX XXXX visa card they sent it to me with a {$300.00}. credit limit then i got a bill for $ XXXX.they charged me {$240.00}. in fees which left me with a {$60.00} credit limit i never used the card. here it is now XXXX and i get a rude email from resurgent capital services saying they just purchased my old account in XXXX and now i owe them $ XXXX.in fees and to add them to my email account cause they will be contacting me constantly until i pay them. this account is over 11 yrs old every yr i pull my free credit report and has been since XXXX i have my credit report from XXXX it is on the report can you please stop them from re-aging this 11yr old debt and putting it on my credit report i know what they are doing is illegal I had contacted them but they say they just bought it last yr i am disabled and on a fixed income due to a injury i had to file bankruptcy to keep my home which im currently in i don't need this 11 yr old debt showing up on my credit report the account is XXXX reference code XXXX and i don't need them calling me and emailing me or putting this old acct on my credit for 7 more yrs that would be a total of 18 yrs about this 11 yr old account i know the statue of limitations is 7 yrs please help me thank you XXXX XXXX
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| 01/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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This company continues to call for a debt I have no knowledge of, nor is valid. I advised several very aggressive phone collectors to send me a letter stating specifically what is owed and who the original creditor is and validation of this alleged debt. They state they don't send letters and several just hung up. They also asked me to confirm my information, and try to verify the last four digits of my social security number and date of birth. Any attempt to collect a debt without validating it violates the FDCPA.
This company has repeatedly sent mail communications indicating that they are acting on a date for another creditor threatening that it may be placed with a law firm.
Further, this company does not have permission to contact me, they don't have my permission to have any information I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question.
Regardless of whether or not you properly validate this debt, all communications concerning this alleged debt shall forever cease and should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ).
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| 07/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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For approximately XXXX-months, I have attempted to resolve a " Collections '' matter with XXXX XXXX C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, South Carolina XXXX. Currently, XXXX XXXX is attempting to extort approximately {$8700.00} from me. I have repeatedly sent formal letters to XXXX XXXX demanding account proof of ownership. To-date, XXXX XXXX provided a copy of the first page of the monthly credit card statement dated XX/XX/XXXX. Moreover, statement did not identify me as the owner, albeit statement listed a former address. Pursuant of the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ), XXXX XXXX must provide the original credit application with my signature, individual signed receipts for " ALL '' merchandise purchased and name, address, phone number and account number of " ORIGINAL '' creditor. I spoke to XXXX XXXX representative i, e, XXXX XXXX on XXXX XX/XX/XXXX @ XXXX. I was told " We are not required to provide detailed account information i.e. Original Application etc. '' I demanded all documentation in XXXX XXXX XXXX custody. After exchanging expletives, XXXX XXXX representative hung up the phone. Finally, I attempted to contact XXXX XXXX XXXX ; however, account number provided by XXXX XXXX is inaccurate.
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| 05/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I don't know when this account was supposedly opened, I can't get any information from.this company except that when I try to dispute it they say it is not disputable. They keep reopening the account also. This started in XXXX right after XXXX XXXX XXXX XXXX someone stole his and my information and it was years to correct it, in fact it's not all fixed. I received a text the other day from this company about a new account supposedly opened amd closed that they are now going to harass me over. I pay my bills amd have no outstanding credit cards or any credit cards actually. I have a student loan that is in good standing with no past due or missed payments. Yet because of these accounts I didn't open my credit is XXXX and XXXX. I am driving a XXXX vehicle and can't finance a newer one. I cant get a loan for badly needed dental work or home repairs. I am a single mother with XXXXXXXX XXXX XXXX XXXX. Not that it's relevant but they were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have struggled to provide for them all their lives and this is a big issue with that. I would like to enjoy some credit at thai point in my life. I work hard but paying cash is hard sometimes. I don't want handouts I just want to be able to get a decent credit score if I earned it.
|
| 10/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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LVNV FUNDING LLC- This collection account has been reported as having passed due balance of {$830.00} on my XXXX credit report ( ONLY )- I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Note : This complaint is NOT for verification, this company couldnt provide me with ANY paperwork showing 100 % VALIDATED proof that I am responsible for this alleged debt. LVNV FUNDING LLC, MUST provide me with the following with 30 days.
Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims have been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to the collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
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| 09/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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LVNV FUNDING LLC. BE ADVISED, this is not a REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED.
This is NOT a request for " verification " or proof of my MAILING ADDRESS, but A request for VALIDATION made PURSUANT to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you.
At this time, I will also inform you that if your offices continue to report invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTIONS AGAINST YOU AND YOUR CLIENT FOR THE FOLLOWING : VIOLATION OF THE FAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND DEFAMATION OF CHARACTER ( PER SE ).
ALSO, I REQUEST ANY DOCUMENTS WITH MY SIGNATURE STATING I OWE ANY DEBT ( WET SIGNATURE ). IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED IMMEDIATELY!
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| 10/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a second notice from Resurgent stating an account was sold to them XX/XX/2022 and the new owner is LVNV Funding LLC I previously sent a letter requesting validation of the alleged debt which : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract on all accounts and they did no such thing I am now receiving harassing mail and email I requested them to cease and desist ALL communication from me! and they have violated my request. First and foremost, it is illegal for a collection agency to buy up a debt and assume that the debt is yours without a consumers written consent. YOU have failed to validate the alleged debt which you are in violation of my rights per the FCRA for falsely reporting unvalidated information on my credit file. I am requesting a COPY of the alleged original consumer contract SIGNED by me unless you can provide the requested documentation you are violating my rights as a consumer. A statement is not a debt validation you are in validation of my consumer rights. Pursuant to the Fair Debt Collection Practices Act, STOP communicating with me regarding the above-referenced accounts.
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. The Date Last active is not only incorrect but has different years. Furthermore, I was never sent correspondence notifying me that this account was sold to PYOD LLC which is another violation. I received nothing in the mail leading up to this collection being reported. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. I am also requesting the original loan documentation. Please provide a copy of your license to collect debt in the state of Texas. If you can not provide this, then this is another violation. According to the FDCPA XXXX entitled to XXXX dollars per violation. If this account is not removed, I will forward this information to my legal attorney so that this can be handled in small claims court.
|
| 10/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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LVNV FUNDING LLC has been been contacted numerous times, 6 to be exact, over the last 3 years regarding requests to verify two debt amounts they purchased after they were bought from a previous creditor, just before the statute of limitations would have made these debts unable to pursue. The debt amounts listed on my credit report are {$900.00} for XXXX XXXX XXXX and {$590.00} for XXXX XXXX. I have sent a total of 6 letters requesting verification of these accounts and have placed multiple calls, the last being Monday XX/XX/2019.
At no time have I been contacted by this company regarding these accounts despite the fact they continue to update and claim the debts are still owed. During phone conversations, verification of debts owed are promised but never received. I am always told that the information regarding specific dates are not readily available to be given on the phone and would be included in the verification of debt they would send to me. Again, no letters have ever been received.
These debts are past the statute of limitations for collections and have been disputed through XXXX and XXXX multiple times. However the creditor continues to provide false information to keep these debts on my report, severely damaging my credit score.
|
| 07/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have disputed with the credit bureaus about an account I seen on my credit report, they came back saying the account was verified. I asked how was it verified they claimed I had to call the collection agency. so I called XXXX XXXX/ RESURGENT and asked how did they claim the account was verified they said just by my social. the first person I spoke with as named XXXX, who on a recorded line stated they only verified using my social security number no other identifying information was given from the original creditor. if I wanted more information I would have to write them for it. why would I need to write them for more information when she already told me they just had a social to verify it. where is the contract signed, dated with proof of my identity that was used for the account in mention? there was non. so iasked to speak to a supervisor which her name is XXXX, she was no help at all. she said we can dispute it again I asked how would you verify the account is mine? she said by social. so no one has physical proof of this account? nothing more than a social security number? that's how people get over on things because no one asks for photo ids along with social security or other identifying documents, so much identity theft in the world.
|
| 09/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
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Web |
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I received an email today from Resurgent Capital Services. It stated I was past due on an account from XXXX XXXX. They stated they were. Set contract LVNV Funding LLC to collect on this debt. I've never had an account with XXXX XXXX. I called XXXX XXXX and spent 30 minutes on the phone with them to confirm they have no record of me having an account either.
So I gave up and called Resurgent despite not wanting to. But the email contained my name and looked genuine. Once on the phone, they told me there is a cease and desist on the account. So I asked why they are contacting me if there is a cease and desist and the lady said I had to give permission to remove it or she couldn't give me any more info. So I said go ahead. At which point she tells me there are two accounts and they are both over XXXX XXXX XXXX. So I hung up since they are zombie accounts and this debt collector should not have been trying to contact me in the first place.
I believe this debt collector was trying to get me to deactivate an account that they know they can not collect on due to its age. I believe they intentionally sent me wrong information in their email to try and get around the cease and desist. I believe they are using this tactic with lots of customers, too.
|
| 03/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
|
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A few years back I was contacted by this collection company LVNV funding XXXX XXXX XXXX XXXX SC XXXX, representing XXXX XXXX.
I had settled this account and paid everything that I supposed to pay. I made an agreement with this agency. Any agreement the agency promise not to report anything negative on my credit report and to remove anything, and everything off my credit report In regards to this matter as long as I paid. This was an agreement between just collection agency and myself. However, I notice on my credit report recently that it was still present and showing that the account was still open. When basically it was pay to delete the information. Next thing was is that this should have never been on my credit report from the very beginning. Because agreement was reached with XXXX XXXX back then. XXXX XXXX didn't return after they made an agreement with me, and I paid them they turn this matter over to the collection agency. So I feel like I got betrayed by both of these companies, and both of these companies took advantage of me. I am trying to get these removed off my credit report immediately..
Below is my information back then, before I relocated out of state. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX New Jersey XXXX, telephone XXXX.
|
| 09/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I have made several attempts with the company to get them to provide me specific information pertaining to an account they are saying I owe. I have contacted XXXX funding on several occasions requesting a copy of the agreement they have signed with the creditor that gives them the right to report the information on me XXXX XXXX as well as the agreement that I signed with the original creditor that bears the signature of XXXX XXXX. I have mailed the letters out to XXXX on several occasions via regular mail as well as certified mail. The comapny has failed to repond to my specific request for information yet they are still reporting information that is incorrect and not accurate on a debt that DOES NOT BELONG TO ME AT ALL. The company has not responded to my mailed request but has sent in response to my complaint # XXXX from XXXX in their compliance department but the response does not support this company complying with FDCPA guideline or FCRA guidelines. They simply sent me a copy of a statement from the original creditor. This statement is not PROOF of this debt being valid and I have demanded that the information be removed from my report immediately and the company has failed to adhere to the requests that I have made on numerous occasions
|
| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have previously disputed, and successfully had XXXX XXXX XXXX XXXX removed from all 3 credit reporting agencies due to fraud. These items were previously disputed to the CFPB and removed by XXXX, XXXX, & XXXX as I was a victim of identity theft- and this was one of the many account that fell victim. The debts have been removed since 2019 on my credit report. XXXX has since sold the deb to LVNV FUNDING LLC -- and they have reported this debt to XXXX again. CFPB and XXXX both deemed the account to be fraudulent -- and now the collections company is trying to collect on a debt that they have ben informed is fraudulent. When LVNV FUNDING LLC called me I informed them, let them know of the police report, identity theft affidavit, and also the removal from my report. The decided to still report a collection account to my credit. Please remove this collection account from my report -- as it has already been proven fraudulent and XXXX XXXX XXXX XXXX should not be allowed to sell fraudulent debt. Also please instruct the the collection company to cease reporting and collection immediately. I have attached the original police report. The original identity theft affidavit, as well as the XXXX report showing the deletion of XXXX from my credit report.
|
| 02/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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Fraudulent Account : XXXX I have contacted LVNV Funding LLC, via XXXX XXXX and XXXX XXXX on several occasions to inform them that they opened credit card account with STOLEN information. I have provided a police report that states that my driver 's license was stolen. However, the response I have received states that the address on the license, is the same as what is on the account. No surprise given that this account was opened using stolen information. Because you have been unable to show me the drivers license used to open this account, I have retained legal counsel and can prove that I was NOT present nor living in the country at the time this account was opened and maintained with other accounts that were also opened fraudulently. We have direct communication from the banks to this effect. We have filed a new police report against your company stating that you used stolen documents and information to open this account.
I was told to make contact once more with your company, to have them remove this account from my credit report, before contacting the courts.
WARNING!!! I do have a copy of my passport which shows a " country stamp '', proving that I was out of the country i.e. The United States of America where this account was opened!
|
| 09/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This has been ongoing since XX/XX/XXXX ( four years ) now. I had forgotten about some of the hassles and attempts, but a quick search on my computer refreshed my memory. I had an account with XXXX, someone fraudulently purchased items ( sent to Virginia - i live in Oregon ) XXXX called to see if i had moved to Virginia. I did not order these items. They corrected it ( see copy of statement from XX/XX/XXXX with the charges and reversal indicated as 'merchandise returned ' - -- - - however, XXXX kept harassing me saying i owed them for XXXX XXXX. I kept explaining - re-explaining i never ordered them. they'd say 'oh, yeah. i see that now, so sorry. '' then they would start harassing me again! I closed my account with them in XXXX XXXX. ( see letter indicating it was closed with XXXX balance due ) about a year later i started getting calls from a collection agency about it. I provided copies of stuff and wrote them about it. they never contacted me again. NOW, a new collection agency " Resurgent '' is starting in about it. this was never my debt ... but it just won't go away! I never bought the silly XXXX XXXX XXXX and never got received them, but XXXX just keeps harassing me it's been YEARS of periodic harassment. I want it to STOP for good.
|
| 08/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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As of XX/XX/2022, I the consumer, have been in receipt of a response made by Resurgent Capital Services, " they ''.
This complaint is in response to Resurgent Capital Services, Reference Number : XXXX.
As of XX/XX/2022 I was informed that Resurgent Capital Services became the Owner of an Account which contains an alleged debt as they purchased the Account with XXXX XXXX XXXX XXXX. It is noted that the Account charged off on XX/XX/2022 with a balance of {$900.00}. As of XX/XX/2022 I have never made any direct contact with Resurgent Capital Services, I have never provided them with any consent that I would like to do business with Resurgent Capital Services, and I have not received any communication from Resurgent Capital Services which indicates that I lawfully owe Resurgent Capital Services {$900.00}.
I am aware that the banking system depends on fair and accurate credit reporting and I am saddened to know that there have been unfair and inaccurate credit reports furnished without my consent to Consumer Reporting Agencies, " cras '' which is not in accordance with the Fair Credit Reporting Act.
Due to this companies negligent and unlawful behavior, I regretfully will stop doing business with anyone unless my concerns are addressed.
|
| 09/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
i recently sent a letter to the LVNV FUNDING LLC and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX XXXXXXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been subject to false information affecting my XXXX and XXXX credit report. over the course of six months the debt collection agency LVNV has continued to furnish reports of two closed collection accounts as open accounts, Account ending in XXXX and XXXX have both been previously closed after dispute, however afterwards have been reported as open and " needing attention ''. This has and continues to affect my credit report, this is also illegal, this accounts must now be removed due to violation of the Fair Credit Reporting Act. I have contacted LVNV requesting account validation at which point the agency failed to provide valid validation, I am requesting that LVNV be cited for consumer harassment and deformation of character. i have a current credit report which reflects these said accounts as closed while XXXX and XXXX via Credit both reflect these accounts as open and " needing attention '', again both of these accounts have been closed many times after been disputed and later reported as open by LVNV, this would not be able to happen if the accounts was deleted after been closed, also the with highest said balance was also deleted from XXXX and later reported as open the same account reflects as deleted on my XXXX credit report
|
| 01/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
As of XX/XX/XXXX, I was reported by LVNV FUNDING LLC. As a debtor of a fraudulent debt that was opened using my partial personal information, inXX/XX/XXXX I contacted them to try to resolve the situation and they told me that they would send me a package by mail which was sent XX/XX/XXXX and returned to They with a copy of my driver 's license, a copy of the police report and an affidavit, as verification of my identity, today, XX/XX/XXXX, I contacted them again by phone and they told me that they were going to reopen the case, sending me another package by mail so that I could send them the same documents because they had exaggerated it, I asked to speak with a supervisor and explain my situation, but she ignored and told me that she was not going to take any action until they received that package again.
According to FTC. This practice is illegal since they have to report 100 % accurate information and have 30 days + 15 to resolve the dispute, until today it has been more than 70 days since this investigation began, which is twice the time required by law, therefore I require that they immediately remove that debt from the credit bureau and pay me {$1000.00} dollars per month after the 30 days mandatory by the FTC, as collateral damage.
|
| 10/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
LVNV FUNDING is reporting several inaccuracies on my credit report and failed in the past to provide requested documents verifying the validity of their collections.
On this particular account, they are listing a debt for {$550.00}, saying the account was opened on XX/XX/2022. That is blatantly false ; I have been fighting this company for years over this account. I am nearing the statute of limitations for debt collection in my state and they are fraudulently reporting the age of this account.
They are also listing this account as being " open. '' It is illegal and a violation of my rights to have an account with an open balance to be in collections, thus indicating immediate removal.
In the past, this company only provides me with scanty verification on this debt and failed to provide me the information that was used to validate the account, proof of ownership of the account, verification of creditor, the last XXXX years of payment history on the account, and a copy of the original agreement with my signature.
It is well within my rights to have requested this, and a violation of said rights under the FDCPA that they provided to do so. Generic verification was all I ever received.
My last name at the time this issue began was XXXX.
|
| 07/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX Acct # XXXX has violated my rights.
XXXX XXXX XXXX Acct # XXXX has violated my rights.
XXXX XXXX XXXX Acct # XXXX has violated my rights.
LVNV Funding LLC Acct # XXXX has violated my rights.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C. 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I am also asking for a copy of the original contract, payment history, proof of ownership of these accounts, and original creditor information.
|
| 07/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I recieved an email in my junk files from a debt collection agency named Resurgent Captial Services in XXXX of XXXX stating that I was given a credit card with XXXX XXXX XXXX in XX/XX/XXXX and was closed on XX/XX/XXXX. They say the charge-off amount was {$440.00} and went up to {$600.00} with interest. I'm guessing that the debt collection agency added thier own interest because they say I owe a grand total of {$700.00}. I asked for a DEBT VALIDATION LETTER and which I recieved some sort of vague printout on XXXX XXXX and I responed with a DEBT VERIFICATION LETTER disputing the debt. I sent the letter via certified mail but made the mistake of not asking for a return receipt request. Resurgent sent me another printout and I once again sent a debt verification letter in XXXX of XXXX, this time with a return receipt request. From XXXX of XXXX to XXXX of XXXX it has been the same. I've also informed them of the STATUE OF LIMITATIONS involving the debt in question but they keep sending me the same printout. I sent a cease and desist letter in XXXX with another return receipt request and recieved yet another printout. By law they're supposed to either drop the case and move on or tell me what type of legal action they plan to take against me.
|
| 06/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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On XX/XX/2022 at XXXX a debt collection company emailed my mother regarding a very old credit card account. My mother is not and never has been affiliated in any way with this account. The email disclosed the bank name as XXXX XXXX XXXX XXXX XXXX account ) and a debt amount of {$2300.00}, for which the collection agency was seeking recovery. Additionally the email named a CACH , LLC as the current creditor - even though I have no relationship to or knowledge of CACH , LLC. Again, I want to restate that my mother has never been authorized for communication regarding this very old credit card account ( in fact the email address she uses wasnt even in existence when this account was originally opened ).
Further more, the account in question is no longer collectible as the statute of limitations for the agreement governing this account has elapsed. I no longer owe the balance state ( which I am unable to verify ) ; it is no longer collectible and ceased to be collectible SEVERAL years ago.
None of this information was provided to me - rather it was sent to my mothers email address ( again, which I have never used or authorized for any communication ). I am not currently a minor, nor was I at the time the account in question was opened.
|
| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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As of right now the following the companies are reporting income to the three top credit reporting agencies XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, Resurgent Capital Services XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Lending Club Income is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload. And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that 1099c is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the six ( 6 ) 1099c 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt 1099C is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. thank you.
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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1. LVNV FUNDING 2.XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Thank you for your time and help in this matter.
|
| 12/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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LVNV Funding LLC is being negligent and unfair. This company has damaged me financially and emotionally. This situation is overwhelming and I hope to get a fair solution.
Account involved : LVNV Funding LLC account, opened on XX/XX/2019, highest balance {$2200.00}, original creditor :XX/XX/XXXXXXXX.
I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). This company has committed multiple violations of the CCRA, California Rosenthal Act, violation of California Consumer Call Protection Act and California Credit Reporting Agencies act : USING AUTOMATED DIALER.
EXCESIVE PHONE CALLS WITHOUT PRIOR AUTHORIZATION BY LVNV AND ITS SUBSIDIARIES.
CALLING DESPITE PRIOR NOTICE TO STOP CALLING.
MISREPORTING DATE OF LAST ACTIVITY.
UNSUBSTANTIAL INTEREST CHARGES BY ORIGINAL CREDITOR.
FAILURE BY ORIGINAL CREDITOR TO PRODUCE DEBT INSTRUMENT AND PROOF OF CHARGES.
REAGING ACCOUNT.
NEGLIGENCE.
UNFAIR BUSINESS PRACTICES All I am asking is the cancelation of debt and deletion from all bureaus.
Please be aware that I am willing to take this issue to the next level. If judge is needed, I will take the case to a courthouse so I can get a fair solution to this matter.
|
| 11/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have previously sent LVNV FUNDING a request to validate this debt, for the following account numbers, on XX/XX/2020 XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given LVNV FUNDING 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XXXX/XXXX/2020 Since LVNV FUNDING are still reporting this account on my credit report, LVNV FUNDING are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from LVNV FUNDING by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from LNVN FUNDING within 15 days. LVNV FUNDING should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put LVNV FUNDING company in serious legal trouble with the FTC and other state or federal agencies.
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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XXXX verified an account on my credit report as valid with out the proper documentation and just lie about the status of this account with a balance of {$1700.00}...
XXXX. I contacted XXXX XXXX and they inform me they sold the account XXXX to Resurgent Acquisitions LLC and they stated clearly that this company has paid the debt in full and I don't longer own XXXX XXXX any sum of money and anything from now and forward need to be handle with Resurgent Acquisitions LLC XXXX. I contacted Resurgent Acquisitions LLC true the phone number ( XXXX ) XXXX and indeed they inform me they had bought the account XXXX from Upstart Loan and had paid the " {$1700.00} '' balance in full and now and forward I need to make any payment to Resurgent Acquisitions LLC ....
XXXX. I requested the signed bill of this transaction, sold/bought of account XXXX from bout company and also true XXXX and ALL OF THEM HAVE FAIL TO PROVIDE ME WITH THIS DOCUMENTATION XXXX. XXXX JUST LIE ON THE VERIFICATION OF THIS ACCOUNT, THEY DONT HAVE ANY PROPER SIGNED BILL OR DOCUMENTATION FOR THE SOLD AND BOUGHT OF THIS ACCOUNT XXXX XXXX. UPSTART LOAN IS STILL REPORTING ERRONEOUS AND FALSE BALANCE ON THIS ACCOUNT .... THEY WHERE PAID ALREADY IN FULL BY Resurgent Acquisitions LLC
|
| 10/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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In XXXX of 2020 I found a collection on my account from LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES. XXXX XXXX advised me about this, and I paid them to get it verified. They never received anything back, and I just couldn't afford to pay them any longer, so I sent a certified letter to them on XX/XX/2020, which they signed for on XX/XX/XXXX, and I didn't get any response! I pulled a copy of my CR 's from all three bureau 's on the XXXX day, and they had not posted disputed as required by law. I then sent a second letter on XX/XX/XXXX giving them another 15 days to remove it from my report as they had not verified that I owed any debt to a creditor, nor did they show I owed them any money! I again checked my 3 CR 's and still nothing removed or shown as disputed, it was still there and not shown as disputed. I finally received a letter from them on XX/XX/XXXX more then 120 days from the letter from XXXX XXXX, and more then 22 days from the second letter, that stated they were looking into it and would get back to me. I just pulled my 3 CR 's today another 30 days, and again nothing has changed on my report! I have all my signed letter receipts, and I want this removed from my report. I have copies of my dated reports and letters.
|
| 02/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
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|
Resurgent ( LVNV ) has 3 accounts for me. Two of the accounts ( XXXX and XXXX ) are incorrectly labeled as owed and should not appear with their firm. The first, XXXX XXXX XXXX account ( Resurgent ID:XXXX ), displays the following information : Origination Date : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Charge Off Balance : {$520.00} with a Current Balance : {$930.00} ( total debt ) ; which has been charged off meaning I do not owe this amount nor any amount to date since it has been completely charged off since it has been over two decades ago.
The second, XXXX XXXX account ( Resurgent ID:XXXX ) displays the following information : Origination Date : XX/XX/XXXX Charge Off Date : XX/XX/XXXX with a Current Balance : {$760.00} ( total debt ) ; which should have been charged off meaning I do not owe this amount nor any amount to date since it should have been charged off by now and is over two decades old.
The third ( XXXX XXXX XXXX ) is still in dispute concerning any debt currently owed. I would like for this firm to correct their records to reflect the above information and have {$0.00} balance for two of the three accounts noted above based on the above information which is true and correct to the best of my knowledge. XXXX XXXX
|
| 06/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
During the month of XX/XX/XXXX, I reached out to LVNV Funding regarding an outstanding debt in the amount of {$660.00}. The original creditor : XXXX XXXX sold this debt to LVNC. LVNV informed me the debt was now being managed by XXXX XXXX XXXX on behalf of LVNV. Once paid, XXXX XXXX XXXX would process the payment, then contact LVNV to update the credit agencies to remove the negative item from my report.
We negotiated an amount of {$370.00} to be paid no later than XX/XX/XXXX, please review the letter from XXXX XXXX XXXX attached, dated XX/XX/XXXX. I made the payment online at XXXX on XX/XX/XXXX for {$370.00}. After several denied disputes with XXXX, I continued to contact both LVNV and XXXX who stated a payment was never made. Attached is the receipt and a copy of my bank statement showing a debit in the amount of {$370.00} processed on XX/XX/XXXX and the payment confirmation dated XX/XX/XXXX.
Just recently, I received a letter from Resurgent Capital services stating they were now managing the account for LVNV Funding LLC. Please see the attached letter.
Again, I am requesting a letter showing I have paid per the agreement and this information be updated with the credit agencies as soon as possible.
Thank you, XXXX XXXX
|
| 05/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I HAVE TRIED TO FIX THIS PROBLEM ON NUMEROUS OCCASSIONS WITH THIS COMPANY. THEY CLAIM TO HAVE PURCHASED MY DEBT FROM XXXX BUT HAVE YET TO PROVIDE VALIDATION OF DEBT. ANYBODY CAN FILE A JUDGEMENT AGAINST AN INDIVIDUAL. THEY HAVE SENT THIS DEBT TO SEVERAL DIFFERENT ATTORNEYS AND HAVE SENT NUMEROUS STATEMENTS WITH DIFFERENT AMOUNT OWED. THEY HAD TWO ATTORNEY OFFICES GANGING UP ON ME AND SENDING FALSE STATEMENTS WITH DIFFERENT AMOUNTS. IN 2015 XXXX XXXX ATTEMPTED TO GARNISH MY BANK ACCOUNT I REACHED OUT TO AN ATTORNEY AND AGREED TO NEGOTIATE THE DEBT EVEN THOUGH THEY DID NOT PROVIDE PROOF THEY OWNED THE DEBT AND AGREED TO A SETTLEMENT {$100.00} A MONTH FOR 10 YEARS TOTALLING {$10000.00}. I PAID THAT FIRM FOR ALMOST 3 YEARS AND NOW THEY ARE OUT OF BUSINESS. WHEN I ATTEMPTED TO CONTACT THEM THEY ARE NO LONGER IN BUSINESS. THEN I CONTACTED RESURGENT AND NOW THEY ARE SAYING THEY SENT TO ANOTHER COMPANY BUT HAS NOT SENT A LETTER NOTIFYING ME OF THAT NOR HAVE THEY SENT AN ITEMIZED STATMENT OF WHAT IS OWED. NOW I AM ATTACHING A COPY OF SEVERAL LETTERS FROM THEM STATING I OWE OVER {$40000.00} PER THE ATTACHMENT INDICATE THAT THIS DEBT WAS NEGOTIATED TO {$10000.00}. YOU AND YOUR AFFILIATED COMPANIES ARE VIOLATING THE FDCPA LAWS AND FCRA LAWS.
|
| 05/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This account is a result of idendity fraud. I have not sign a contract with LVNV Funding and have not given written permission to contact me. According to 15 USC 1681 ( a ) ( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and The company has listed a fradulent negative account on my credit report.
|
| 03/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2023 I received a letter from Resurgent Capital Services. They're attempting to collect a debt that is not owed. Also, they indicated I had until XX/XX/2023 to contact them. I received the written notice with 27 days to respond instead of 30 days as this violates 15 U.S.C. 1692g ( Validation of Debts ). Second, my father received an email from them on XX/XX/2023 showcasing a debt that is incorrectly owed. Under 15 U.S.C 1692c ( b ) ( Communication with third parties ) my rights under FDCPA have been violated. The email indicated a debt that was incorrectly owed, the amount of the debt that was incorrectly owed, and as discussed before this email was sent to my father. As in reference to 805 ( c ) of the Fair Debt Collection Practices Act, my rights have been violated as I am not a minor, and I never gave Resurgent Capital Services permission to speak to me or a family member on a debt that is incorrectly owed. As of XX/XX/2023 I am putting Resurgent Capital Services on notice to cease and desist communications with me as supported by 15 U.S. Code 1692c. I will provide documentation of the email Resurgent Capital Services below, and where my father attempted to respond & no answer was given by Resurgent Capital Services.
|
| 07/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2023 and identified this alleged debt.
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.
|
| 02/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
LVNV Funding, LLC is in violation by federal law of 15 U.S. Code 1692c ( a ) Communication with the consumer generally- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I did not give consent. This company in violation of 15 U.S. Code 1692g a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice. I was given a written notice in five days of initial contact. Also this company is in violation of 15 U.S. Code 1692d where states a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Therefore I did not give this debt collector permission to contact nor did this agency was apart of original agreement with original creditor. Therefore the communication is harassment. See attachment.
|
| 06/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
my account was charged off by XXXX XXXX XXXX. In XXXX of 2022 i made a payment of {$200.00} to one of my credit cards with the bank. In the same month they took another {$200.00} which was not authorized by me. I called XXXX XXXX XXXX and they refunded me the money. By the month of XXXX i was trying to make a payment online and it rejected my payment saying i have to contact customer service. Contacted them and was told i have to get an authorization from my bank in order to make a payent on my accounts. I went to my bank and got this info & uploaded it. XXXX XXXX XXXX went ahead and charged off the accouns i had with them. Never did i get such notice of this " charged off ''. I have never missed a monthly payment with them. I had fully paid for one before the account was charged off ( {$170.00} ) XXXX XXXX XXXX send both the account to delinquency without sending me a notice although i provided all the info they requested. The second account was also paid ( {$920.00} ). I checked my credit account and it is still saying i am in delinquency. Both accounts charged off has been paid for. I would really appreciate if they could remove my informtion from their list of delinquencies. Please see receipts attached for as my proof.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Lvnv funding is reporting violations on my credit first.
First, under the FCRA 605 section C running of the period it is a violation to re-age an account. LVNV is reporting the date of last activity on XXXX as XX/XX/2019. XXXX is reporting XX/XX/2019 i have sent them several debt validation notices through the cfpb in which they still fail to provide proof that i owe this account besides my address, i have no knowledge of this account, and credit one bank failed to provide any verification of the debt, i attempted to settle an account that not mine and they are not complying the to the amount that i can afford under the FDCPA 809 b i can file suit for not validating the debt yet they continue to collect on it futher in case from Lefevre Boatley vs Diem corp, it was ruled that if a collection agency have not violated your debt and they still continue to report to the credit bureaus they can be sued.
they have not provided a copy of the account or written contract, and are refusing to do XXXX and XXXX has responded both times saying this account has been verified as accurate i have attached the information from my XXXX credit file where they claims the information was verified as accurate and that it meets fcra requirements
|
| 09/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Apparently, someone opened an account with XXXX in my name. I did not, and neither XXXX nor the collection agency will show me any verification of the debt. When XXXX sent a bill, I disputed it, noting I have never ordered anything from XXXX in my life, and I have never sought credit. Further, I do not have nor have I ever owned a vacuum of the type allegedly owned. XXXX stated that it noted the fraud report, and never followed up. It then turned the account over to a collection group, to whom I again reported the fraud. I asked for documentation of the order and debt, and they refuse to provide it, placing the onus on me to disprove a debt by providing personally identifying information, even though they can provide no proof I opened the account. Their repeated contacts with no effort to investigate the debt, constitutes harassment. They expect me to file a police report, but fail to provide the date of order or other information that would result in the police report.
The actions of Resurgent Capital Services are improper, and they fail to take basic steps to verify that I owe the money they claim. The first call was on XX/XX/XXXX, and they have yet to provide me any factual information about the claim, other than the debt.
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Approximately 4 weeks ago I realized some erroneous/ derogatory information was being reflected on my credit reports. I first called to try to resolve and make sure no further charges occurred as I believe that I am a victim of identity theft. I then submitted disputes with XXXX, XXXX and XXXX. I could really use some help trying to sort this out and want accuracy. This is negatively affecting me and my credit. These accounts do not belong to me and I never opened or applied for credit with these companies/ banks. Was it done in-store or online? Is there a photo id or signature verification? What City and State did this fraud happen in? Is there PROOF that these accounts/ debts belong to me? I had a primary residence for 15 years ( XXXX to XXXX ) ; then lived at a friend 's house for XXXX XXXX ; and have been at my current address since XXXX ( XXXX XXXX ). This can be substantiated with change of address status thru USPS as well as filed tax returns. I never benefited or received any merchandise, products, or items including lines of credit, loans, or finances since I did not shop, order or conduct business with these companies/ banks. Those falsely reporting against me are : XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX
|
| 09/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Re : Re : XXXX # : XXXX XXXX XXXX ( XXXX ) Amount {$8500.00} Resurgent Capital Services, XXXX XXXX XXXX, L.P., and LVNV FUNDING LLC are seeking debt payment in the amount of {$8500.00} for a XXXX XXXX credit card that I secured through XXXX XXXX. I reply to them numerous times and told them that the account was paid in full since XX/XX/XXXX. From the day I secured the account, I set up auto-pay and pay the account until XXXX XXXX stopped taking payments in XXXX of XXXX.
When I received the request for overdue payment from XXXX and then Resurgent, I told them the items purchased XXXX had 24 months interest-free and another one had 12 months interest-free. Further, I explained to them that according to the calculations of the total payment XXXX XXXX withdrew from my account. The credit card was paid in full in XX/XX/XXXX plus additional payments until XX/XX/XXXX. I asked them to provide me with a copy of the XXXX XXXXXXXX dated : XX/XX/XXXX to XX/XX/XXXX, which, it would show if they withheld the interest charge as stated on the purchase agreement. They have not been able to provide me with statements ( XX/XX/XXXX - XXXX XXXX ) and the credit collectors refused to remove the negative off my credit reports from all the bureaus.
|
| 12/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
***NEW COMPLAINT WITH UPDATE DOCUMENTATION*** LVNV Funding LLC ( LVNV ) has never contacted me by mail or by any other manner regarding their debt purchase fromXX/XX/XXXXnow XXXX XXXX XXXX XXXX I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize.
Under guise of under litigation, they use that as a cover to avoid producing documents of requested documentation of the disputed account or provide the proof that they followed the law by properly doing the necessary work prior to filing a lawsuit against another across state line of pennies on the dollar purchased debt.
Any business with a computer, some software and some personal information of another person can create invoices/statements of charges of what they think is owed to them. Thus, the account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges is being disputed.
The debt buyer from XXXX, South Carolina, has NOT properly followed legal procedures prior to initiating a lawsuit against an individual across state lines nor have they validated the debt ; therefore, the complaint should be dismissed immediately.
***PLEASE SEE ALL ATTACHED PAGES 12 IN THIS NEW COMPLAINT***
|
| 11/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
1.- On XX/XX/XXXX & XX/XX/XXXX received at my address letters from XXXX XXXX XXXX XXXX XXXX . debt collectors for XXXX XXXX XXXX. indicating that judgments ( 2 ) had been entered in Superior Court of New Jersey : Law Division XXXX Special Civil Part ( Docket Numbers XXXX and XXXX.
2.- I am not XXXX XXXX XXXX , but XXXX XXXX XXXX 3.- Their letter indicates they are trying to collect amounts dated the year XX/XX/XXXX. They represent XXXX XXXX purchaser of these debts from XXXX and XXXX ( South Dakota ).
4.- I have never had any dealings with either XXXX or XXXX.
5.- I have never received any notice of any debt from these companies or from any entity until the letters indicated in number 1 above.
6.- Further, during the year in question ( XX/XX/XXXX ) I was not resident of the state of New Jersey .
7.- I have requested from the debt collectors copies of all pertinent documents related to this matter i.e. credit applications, date of purchases, payment history and any and all correspondence to me, legal or otherwise.
8.- Seems that XXXX, XXXX and XXXX are trying to collect amounts based on incorrect information, but targeting my address and name even though they have a middle initial that does not correspond with mine.
|
| 08/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I joined XXXX XXXX XXXX back in XX/XX/XXXX. I settled an account through XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX, that has been paid off in full. XXXX XXXXXXXX XXXX decided to send my account to yet another collection agency : XXXX XXXX XXXX. I submitted a letter to XXXX, to XXXX XXXX XXXX, and to my TX Attorney general 's office showing proof that this was paid off, but it somehow comes back as verified. This is NOT True! Please help assist in getting this account removed from all of my 3 bureaus. No has been able to help me. I sent a certified receipt return letter to XXXX XXXX XXXX at their address and they DID NOT respond to my request. I have been battling this issue since XX/XX/XXXX. XXXX XXXX XXXX says that it was opened last year XX/XX/XXXX. But I paid it off through the XXXX XXXX XXXX program in XXXX of XXXX. I get the run-around. I just need this removed. I have a handful of accounts with the XXXX XXXX XXXX folks and they are not really helping me either. If this one does NOT get resolved then I may not continue with XXXX XXXX XXXX! ) They say that they are going to look into it and then never do! I am at a loss on what other steps that I need to take to get some answers and get XXXX XXXX XXXX to comply!
|
| 01/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Today XX/XX/XXXX I received a letter from Resurgent regarding a debt I have a payment plan on with XXXX XXXX XXXX XXXX. I have been attempting to call the latter to make a payment on the plan set up by their office since XX/XX/XXXX. They have not returned my call but have accepted my money on XX/XX/XXXX.
I called Resurgent on XX/XX/XXXX at XXXX est and was advised her that the payment plan with XXXX XXXX XXXX valid but they can not see the payment plan and I should keep making the payments as arranged previously. In the notification from Resurgent it states that I have until XX/XX/XXXX to dispute the debt. There is nothing to Disput except who will be honoring my payment plan that I have set up with each of the interconnected companies.
This is the third company contacted me regarding this debt since XX/XX/XXXX while I have been making payments. Each time I make the payment plan its transferred to XXXX of their many companies, and as it is confusing. It is also an attempt to get the consumer to renege on their plan to make a payment.
As stated before, this is the third portion of LVNV funding LLC that has contacted me regarding a debt that I have been paying, and it is confusing and a dishonest attempt to collect debt.
|
| 11/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
Older American, Servicemember |
|
i had opened an account with XXXX online in XXXX i was making my monthly payments until XXXX. XXXX horribly made a mess of my account and payments. i attempted to correct this errors by phone and online. but XXXX would not or could not fix the mess they created. as a result i was unable to continue paying my monthly bill. it was in error. i was notified that the XXXX account was then closed. and later that it was a charge off, deemed uncollectable. i heard nothing more about this account until XX/XX/XXXX when i was contacted by mail that a collection agency, lvnv, llc, had acquired the debt in XXXX XXXX i received about 3 letters from this company. the last was in XX/XX/XXXX where i disputed this debt via online letter to this company. no response from the collection agencty at all. i informed them this was an old debt, that was not collectable under the 4 year statute of limitations in pennsylvania. also i am on social security XXXX with no assets at all. i received no response from lvnv llc until i got a letter the 2nd week of XX/XX/XXXX, stating they filed a civil suit against me at the local magistrate. this company has not proven the debt is valid nor if they have standing to persue it. as i stated it is over 4 yrs old.
|
| 01/07/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by XXXX, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXX-Principal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to XXXX is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}.
I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX XXXX ( two separate pieces of correspondence ), XXXX ; and Resurgent Capital Services d/b/a or on behalf of LVNV Funding LLC, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX.
None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.
|
| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am the original creditor. See Hurds Rev Stat Chap 32,36.
United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action.
XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( XXXX ) the principle amount of such obligation is stated in the obligation and ( XXXX ) the term to maturity or the date of maturity of such obligation is stated in the obligation.
15 USC 1692 congressional declaration of purpose.
House Joint Resolution 192!!!
In accordance with the fair credit reporting act The principal debtor is responsible.
15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.
15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose.
AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ).
Remove the fraudulent XXXX claims.
Thank you.
|
| 11/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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LVNV Funding Corporate Service Company XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for LVNV Funding From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank XXXX, or any other corporation, is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
If you lack understanding of this paperwork, forward to your ATTORNEY.
By : XXXX XXXX XXXX
|
| 02/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In XX/XX/2020, I called LVNV FUNDING LLC Collections to discuss the account for the amount of {$710.00}. I asked if I can do a settlement of {$400.00}. I was told yes and when I could make the payment. I informed the representative I could pay it now. So I proceeded to make the payment of {$400.00}.
2 weeks later I received a call from LVNV FUNDING LLC stating I had a debt and wanted to know how I wanted to pay the debt. I informed him I already paid a settlement amount for the amount of {$400.00}. I was informed by him, that I should not have had an option to settle the account. Informed the representative that I held up my end, and, I don't feel that the numerous calls are not fair or appropriate. I was threaten if I don't pay the remaining {$310.00} they will report it on to my credit report. Which they did.
Since then I keep disputing this matter with LVNV FUNDING LLC on my credit report. I feel I have been threaten, mistreated and reported unfairly when I called them, to settle the account and do the right thing.
My score has suffered a great deal because of LVNV FUNDING LLC company dishonest, tactics of being unfair, rude and disrespectful staff who kept calling every 30 minutes until I block them from my phone.
|
| 04/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Ok I started disputing LVNV funding llc back in XX/XX/XXXX I sent a affidavit sign and notarized that this was not my account. I then preceded to send police report and a dispute letter XX/XX/XXXX only for them to verify the account I then sent a 30 days validation of this account no respond about a month later I received another letter of validation without proof of identity no signature and also not the original documents I called the resurgent capital services and told them whats going on they ask me to fax affidavit in I did. I called back 48 hours only to be told they did not get it. Then the next morning I called them back and asked to check status on my dispute she then stated that they received the fax yesterday. But see the other person told me I never sent in no documents then I stated to them that I would like to send me the original documents on this account. I called again yesterday which was the XX/XX/XXXX the person said they mail out the verified account now as Im trying to get this matter taken care of they put a old account thats past the limit law now I have to dispute 2 accounts if my other account is past the time limit why did they added to my report I would like to please remove with positive feedback
|
| 07/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Action taken by company : XX/XX/21, XXXX XXXX XXXX, I received a letter from CACH , LLC on XX/XX/21 Received a letter from this attorney office with an original Creditor acct # ; stating that I have an account that they purchased. I don't know of this company, XXXX XXXX XXXX nor purchased anything from XXXX XXXX XXXX. My personal information was jeopardized from my work and also by XXXX. CACH , LLC purchased a XXXX XXXX XXXX balance : XXXX ; offering XXXX to resolve debt with account from XXXX XXXX XXXX XXXX and has been placed with CACH , LLC agency.
CACH , LLC letter states : Unless I notify the office CACH , LLC, within 30 days after receiving this notice that I dispute the validity of the debt or any portion thereof, there office will assume this debt is valid.
If I notify there office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail a copy of such judgement or verification. If I request from CACH , LLC office in writing within 30 days after receiving this notice, CACH , LLC will provide the name and address of the original creditor, if different than current creditor.
|
| 07/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
I spoke with XXXX at The Office of the President at XXXX XXXX about some open account issues on my credit report. These open accounts show the following open accounts by XXXX and or their creditor collection : acct number original Dollar Amount card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After having CFPB investigate the account of LLC Funding/LVNV, their response was that they no longer had the account and sent it back to XXXX XXXX. Furthermore after speaking with XXXX at The Office of the President at XXXX XXXX, she insists that they do not have the account that they closed the account. She was well aware that I am on XXXX, which makes my income collection proof and judgement proof.My credit reports by all three credit bureaus continue to have this listed on my reports. It is false reporting and I would like it removed from my credit report as to not hinder my credit progress in the future. I feel like I am being given the " run-around '' by XXXX XXXX and it's collection practices. XXXX at The Office of the President at XXXX XXXX was not helpful in resolving the matter and did not give me information as to why this is still being reported as " open collections '' on my credit bureau reports.
|
| 07/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have received repeated letters from Resurgent Capital Services, addressed from XXXX XXXX XXXX, XXXX MI XXXX. They claim that I am delinquent on a debt from a XXXX XXXX XXXX credit card for a debt balance of {$1000.00}. I sent them a letter via Certified Mail indicating that I have never had any account ever with XXXX XXXX XXXX. I disputed the debt, it is not mine.
I received a letter later with an account summary report for the charges from XXXX XXXX XXXX credit card. The account holder 's name is the same as mine, addressed in California. I sent them a letter via certified mail disputing this debt and informing them that the individual on this account is not me. I have a common name. They are contacting the wrong person. They have repeatedly sent me further letters demanding I pay the debt. I have repeatedly sent them letters via Certified Mail informing them they are contacting the wrong person. They have never once asked for verification of identity to make sure they have the correct individual.
I have never lived in California. I have never had an account with XXXX XXXX XXXX. I want them to stop contacting me. I have pulled my credit report several times and confirmed I have never had an account with XXXX XXXX.
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Last month I filed a complaint with the CFPB, about how XXXX continues to place incorrect information on my credit report that is under my son XXXX XXXX XXXX and not belonging to XXXX XXXX XXXX.
I have attached the conversation that was had with their representative XXXX, who confirmed that me and my son have our credit profiles combined and have been combined for some time now. ( See attached ) Neither of us are able to view our profiles and we have been blocked form the site. ( See attached ). I have asked for a copy of my credit report that I have not received. I have asked for method and proof of verification of the accounts in question in the last complaint I filed and still have not received that. The accounts do not belong to me, but they have shown no proof that it does. I want the following accounts removed from the profile of XXXX XXXX XXXX.
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX With both of us having a mixed credit profile, you are clearly not doing your jobs.
I also want the XXXX XXXX 's that belong to my son removed from my profile.
Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both XXXX XXXX
|
| 07/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I applied For this credit card to use to improve my credit score. I rcvd 2 credit cards and had not used either prior to being XXXX at a XXXX XXXX for 5 days. ( this was the first time I have ever been in trouble like this and it was due to my son missing too many days of School bc he was being bullied, I am not a XXXX or someone who breaks laws EVER ). While I was XXXX both of these cards were maxed out. I did not use them and It was impossible that I could have being where I was, I had no way of using them even if I wanted too. The other company understood and to Care of it for me, dissolving the debt. But, this company refuses to listen to me or the XXXX of this into consideration. I have edge reached out several times, including immediately after I was released and found out about the charges. I don't know what more I can do. I have always paid my debts, never had to dispute charges either. I should not be held responsible for charges i did not make, it was impossible for me to make. From what I found on the statement it looked like all the charges were made online for services? But I'm not entirely sure, the aren't my charges so I really don't know any more then what the statement provided me, which wasn't much.
|
| 10/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company Resurgent capital servicesXXXX LVNV Funding LLC is trying to Rip me off or Scam me with a debt that is not mine...
I also requested the receipt of the bought of this account and they REFUSE and are hiding to show me this receipt .... Meanwhile XXXX Bank, Member FDIC send me a receipt that shows Resurgent capital services/ LVNV Funding LLC XXXX way less money for this account and are trying to rip me of or the owner person that owns this account with a higher amount...
Also check the address on the statement they are providing to me person ( see Attachment ), I had never in my life lives in XXXX XXXX nor in XXXX XXXX ( NEBRASKA ).. They can not even provide a ZIP CODE ....
BY NOW ITS SHOWS CLEARLY THEY HAVE MIX UP A DIFFERENT PERSON WITH MY NAME AND ARE NOT WILLING TO PROVIDE THE ACTUAL PROOF THATS SHOWS THAT INDEED THEY BOUGH AND THEY OWN THIS ACCOUNT...
BTW WHERE IS THE SIGNED CONTRACT BETWEEN MY PERSON AND Resurgent capital services/ LVNV Funding LLC THAT SHOWS AND PROOF THAT I HAVE AGREED ANY BUSSINES WITH Resurgent capital services/ LVNV Funding LLC XXXX XXXX?
BE AWARE PEOPLE THIS COMPANY UNDER THE NAME OF Resurgent capital services/ LVNV Funding LLC ARE SCAMMER THAT TRY TO RIP YOUR MONEY OF
|
| 03/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX is missing -- COMPLETELY The history for XXXX is showing as 100 % PAID The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!
|
| 03/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
LVNV has failed to send the legally required validation or response to my request for validation of account number XXXX. I have sent you Debt Validation Letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX, having return receipts signed by you ; suggest that you have received the letters.
I. LVNV/XXXX/Resurgent Capital knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me.
II. LVNV/XXXX/Resurgent Capital failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.
III. LVNV/XXXX/Resurgent Capital communicated and is continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.
As a result of these blatantly reckless, malicious, and intentional acts, I have suffered and continue to suffer general and specific damages. I am now demanding the immediate and complete removal of this tradeline from my credit reports Please understand that I am extremely concerned about the consequences of the actions LVNV is having on my life and would like a quick resolve.
|
| 10/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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On XX/XX/2022 ; LVNV funding began to report a negative account to my credit reports for XXXX, XXXX and XXXX on Behalf of XXXX XXXX XXXX I have never opened any accounts with XXXX XXXX XXXX and do not acknowledge this debt and have never received any information regarding my right to dispute this information. I have attempted to dispute this information with XXXX and this company refuses to provide me with any documentation proving that this account belongs to me or their right to attempt to collect on this account. The above mentioned bank is in a state in which I do not reside and the lack of proof being verified as accurate with the credit bureau is puzzling. When I tried to contact XXXX XXXX XXXX, they do not seem to have record of this account and could not provide me any information and agreed to delete this account from my credit reports and I suggest that LVNV funding do the same by closing and removing this trade line from the credit bureaus with no changes to this account. I do not acknowledge this debt and if the creditor can not produce and signed documents that I agreed to any accounts with this company, then to stop harassing me and remove the account or further legal action will be taken against them.
|
| 06/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notification from XXXX XXXX in mid XXXX 2019 stating that an alleged account in my name had been turned over to LVNV Funding LLC as of XXXX 2019.
I never received notification from LVNV Funding LLC or XXXX XXXX prior to initiating a dispute with them that this was the case so LVNV Funding was put on my credit reports with all 3 credit bureaus prior to me having the chance to dispute it.
Second, I sent a letter to LVNV Funding on XXXX/2019 requesting that they provide me with the following information : COMPLETE PAYMENT HISTORY, THE REQUIREMENT OF WHICH HAS BEEN ESTABLISHED VIA XXXX XXXX XXXX 745 N.E.2D 862 ; 2001 IND. APP. LEXIS 509 AND AGREEMENT THAT BEARS THE SIGNATURE OF THE ALLEGED DEBTOR WHEREIN SHE AGREED TO PAY THE ORIGINAL CREDITOR.
LETTER OF SALE OR ASSIGNMENT FROM THE ORIGINAL CREDITOR TO YOUR COMPANY. ( AGREEMENT WITH YOUR CLIENT THAT GRANTS YOU THE AUTHORITY TO COLLECT ON THIS ALLEGED DEBT. ) INTIMATE KNOWLEDGE OF THE CREATION OF THE DEBT BY YOU, THE COLLECTION AGENCY.
I just received a letter from LVNV Funding staying that my account was validated along with one statement from XXXX XXXX.
That is not what I requested. I have attached a copy of the letter I sent for your reference.
|
| 10/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I hired an attorney to help me validate an allegedly unpaid debt with LVNV/ Resurgent. My attorney has sent requests in writing ; as well as confirming receipt of the request via phone notifying LVNV/ Resurgent that I have hired them, and they refuses to release the validation of debt to my attorney. They state that my attorney is listed as only a debt settlement agency and that they can not send my attorney any information and can only send it to me. I would like LVNV/ Resurgent to only send it to my attorneys office. Please find a XXXX XXXX My attorney faxed in a Power of Attorney to their office stating that they represent me and to release and furnish any information to their office along with a request for validation of the debt.
XXXX My attorney spoke to a representative who refused to send out the information to our offices because she said that we only represent them as a " debt settlement agency ''. After that my attorney was transferred to a supervisor XXXX XXXX employee ID XXXX who also refused to send my attorney information regarding the validation of the debt. My attorney explained that they were a law firm that is representing me and they still refused to send my attorney the validation of the debt.
|
| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been experiencing issues with LVNV FUNDING LLC regarding an alleged debt ( in the amount of {$740.00} ) for some time now. I recently had to send a cease and desist letter to the company, XXXX of XXXX, pleading that they stop reporting the unverifiable information associated with this account on my consumer report. With each dispute, LVNV FUNDING LLC has disregarded my letters and disputes and has yet to provide any pertinent information stating the validation and/or methods of verification of the alleged debt. Therefore, LVNV FUNDING LLC has violated my rights under 15 USC 1692c and 15 USC 1692g.
I am left with no other choice but to involve the CFPB to help me enforce my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Failure to honor the demands within 15 days of receipt of this notice, LVNV FUNDING LLC will be held civilly and criminally liable under 15 USC 1611 and 15 USC 1692k. Additionally, I will not hesitate to enforce my rights to obtain remedy for all damages caused by this company pursuant to 15 USC 1681o. Thank you for your attention to this matter, and I hope for a swift resolution to address these violations.
Sincerely, XXXX XXXX. XXXX XXXX : XXXX XXXX
|
| 11/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received a settlement letter via fax that acct # XXXX was to be settled for the amount of {$2400.00}. I set that payment up and it was taken from my bank account see documentation. I then never received a letter saying it was settled so I had my wife call to get XXXX, they told her they couldn't speak with her ( after I had already authorized her twice before ) I then received a notice from Resurgent on XX/XX/XXXX that said my debt was sold to them and that I still owed the remaining amount on my account. I paid the settlement on XX/XX/XXXX per the agreement. ( see bank statement ) I also received a settlement letter for account XXXX with the agreement of paying {$3200.00} by XX/XX/XXXX, they didn't let me make the payment in accordance with their agreement as my account was sold on XX/XX/XXXX to Resurgent. I was supposed to have until XX/XX/XXXX to make payment and they did not allow that to happen. ( see letter ) Resurgent refusing to acknowledge payment for account XXXX and is still collecting on the remaining balance that was to be settled. Also refused to acknowledge the original settlement agreed on acct XXXX for {$3200.00} even though they had the account before the original offer expired.
|
| 04/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I enrolled in a debt consolidation program over 2 years ago with National Debt Relief ( NDR ), I included an outstanding debt to a XXXX XXXX XXXX XXXX credit card. At the time the final debt owed was {$1400.00}. During the process of negotiations, this account was sent to a Collection agency listed on my credit report as LVNV Funding LLC. NRD eventually negotiated this account with the collection agency ( not original creditor ). They agreed to reduce the original amount of {$1400.00} to {$960.00}. I am currently paying this off in the following : I started paying {$10.00} a month XX/XX/XXXX until XX/XX/XXXX. {$30.00} a month starting on XX/XX/XXXX until XX/XX/XXXX and then {$60.00} a month thereafter until the final payment is due on XX/XX/XXXX.
This collection agency is deliberately reporting inaccurate information to the the credit reporting agencies even after several attempts to correct by contacting them and disputing. They are reporting a collection balance currently of {$2000.00}. The balance was never that amount and I am not sure why they continue to report inaccurate information. While they have a right and obligation to report the information, it must be reported correctly and that is not the case.
|
| 08/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Lvnv Funding, LLC ( Also been reported to XXXX by consumers ) has threaten & reported inaccurate balance due on two closed accounts that I had with XXXX & XXXX creditors issued by XXXX. Both accounts after contacting creditors in order to settle on the accounts due to payments & fees ( as well as errors ) prior to requesting payment arrangements because of foreseen financial setbacks as well as personal obligations that needed my attention. After contacting XXXX ( already enrolled w/account protection ) had came to agreement to process the settlement on account & payments to start once they contact me back to set future dates for payments, but instead XXXX close my account. The same for XXXX after reaching out to discuss payments to get good standing after attempting to return items brought on XXXX website. After accounts had been closed for months. I had started getting repeated calls & notices from Lvnv Funding which unknowing had reported to all three credit bureaus making false claims with non-accurate & non-documented information in order tactfully & deceitful claim monies. I feel this seriously violates of my consumer rights and Lvnv Funding deceptive practices to extort money from consumers like myself.
|
| 08/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This company Resurgent Capital Services which i have NO CONTRACT with is Reporting on my credit reports fraudulently.
* Were you named on the original contract with the original creditor?
* If not, do you have a contract between your company and me, signed by both parties?
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?
Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
|
| 05/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have sent out numerous letters to the credit bureaus regarding these accounts with XXXX XXXX regarding an alleged debt ACCOUNT # XXXX {$1800.00}, ACCOUNT # XXXX {$1500.00}, ACCOUNT # XXXX XXXX. I have been writing disputes letter to the company and the credit bureaus requesting to validate that this is my debt or account XX/XX/XXXX and they have failed to provide me with any contract that i signed with them or with any contract with the original creditor bearing my handwritten signature. And this is with XXXX AND XXXX.I HAVE WROTE XXXX ON XX/XX/XXXX AND THEY HAVE DELETED THE INACCURATE INFORMATION 0NXX/XX/XXXX XXXX HAS DELETED THE INFORMATION OFF MY CREDIT REPORTING BETWEENXX/XX/XXXX AND XX/XX/XXXX AND THEN REINSERTED IT BACK ON MY CREDIT BETWEENXX/XX/XXXXAND XX/XX/XXXXWITHOUT NOTIFING WITH ANY LETTERS OF REINSERTION. THEY ARE REQUIRED TO NOTIFY ME IN WRITING WITHIN 5 DAYS ACCORDING TO THE FCRA. AND THEY HAVE NOT YET TO DO SO AND ITSXX/XX/XXXX. I WROTE THIS LETTER TO XXXX ABOUT THIS MATTER ON XX/XX/XXXX. XXXX IS DOING THE SAME.THEY ARE REPORTING INACCURATE INFORAMATION ON MY CREDIT REPORT THEREFORE DAMAGING MY CREDIT BEYOND REPAIR. I HAVE GIVEN THEM AMPLE AMOUNT OF TIME TO VALIDATE AND CORRECT THIS MATTER.
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| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor 2 XXXX XXXX XXXX XXXX XXXX {$740.00} ACCOUNT # XXXX Creditor 3 XXXX XXXX {$2200.00} Creditor 4 : XXXX XXXX XXXX {$150.00} Creditor 5 : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a XXXX Suppression to my credit file.
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| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
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I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
|
| 07/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I got a letter in the mail from " XXXX XXXX XXXX '' company that they are trying to collect debt for " LVNV Funding LLC ''. This company bought what they claimed to be " my debt '' from " XXXX XXXX XXXX ''. In XX/XX/2018 I filled an ID theft report because the latter bank and " XXXX/XXXX '' issued credits within one week on my behalf and the cards were maxed out. I discovered that there are two accounts under my name accidentally as I noticed my credit score was dropping. Both accounts were opened in XXXX, while at that time I didn't even live in NY. Unfortunately, I don't check my credit report often so missed these fraudulent accounts for months. I issued ID theft report, put a fraud alert on my account, and contacted XXXX and XXXX. After few months these fraudulent debts were dropped from my report. Few months ago I noticed that there is a debt collector who bought the debt from " XXXX XXXX XXXX '', trying to collect ( {$800.00} ) and again it showed on my report.
I don't know how these banks opened these accounts on my behalf without verifying my identity. I'm sure that the purchases can be traced to show that this was an ID theft crime and these banks are contributing to the fraud by being reckless.
|
| 04/19/2017 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
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I received a letter from XXXX XXXX XXXX on X/X/XXXX cl aiming they are collecting a debt in the amount of {$460.00} from an account in my name from XXXX XXXX . I do not owe this, so I contacted XXXX XXXX XXXX immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on X/XX/XXXX and filed a complaint about this issue. XXXX XXXX XXXX responded to me through online portal for CFPB on X/XX/XXXX stating that they would stop all contact and collections until they had sent me validation. 35 days have past I never received validity of this claim. However, XXXX XXXX XXXX has reported on my credit file under the name XXXX XXXX XXXX and also under the name LVNV Funding LLC as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a XXXX digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me twice with their claim. They claim an account number ending in XXXX is an account they own and are collecting from me, but after 35 days has not given me any validation to this claim.
|
| 08/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
An account was opened fraudulently under my name with an unknown consumer and XXXX XXXXXXXX XXXX. After addressing the issue with XXXX XXXX XXXX, they stop reporting the fraudulent account and closed it. LVNV Funding LLC has been reporting the same alleged debt since XXXX. XXXX XXXX XXXX has recently reached out to myself and the CFPB that they do not have any association with LVNV Funding LLC, nor have they sold the debt to LVNV Funding LLC. After several written requests sent to LVNV requesting they provide proof of my signature in respect to alleged claim/contract and other relevant documentation that I, as a consumer, am entitled to under Federal Law ; LVNV Funding LLC has not validated the alleged debt and still continues to report it to the credit bureaus, particularly XXXX I have also contacted the Consumer Financial Protection Bureau with complaints against al parties involved, including XXXX an the companies reporting the information. I am currently in the process of filing a suit with my State Attorney General 's office for several violations, including but not limited to, Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
|
| 04/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I am contacting you because XXXX is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. Resurgent Cap Srvcs Lp Opened XX/XX/2018 + {$390.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do XXXX XXXX and XXXX are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated
|
| 04/04/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Older American |
|
During yearly credit check on XX/XX/2023 I noticed a collection account that was just added to the report from Resurgent Capital Service LP, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX after contacting the company they asked my name and social and after a few minutes into conversation the representative said they are part of federal agency and I need to make arrangement to pay the {$1300.00} or they would send it to the local sheriff department. I told them that account is not my account and send them 3 picture government issued ID and sent it to above mentioned address with signature required registered mail, after they received my ID they responded with a letter to my home that shows they have corrected the address on their file to my current address that I gave them on the phone, I contacted them again and they refuse to acknowledge to have received my registered mail but my receipt back from post office shows a person name " XXXX XXXX '' have signed on behalf of the Resurgent Capital, and they should have everything to help them correct this. I also contacted Secretary Of State and got their Registered Agent name and address and have not filed suit yet, I'm trying to get this resolved befor I take to court.
|
| 03/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX XXXX XXXX Val {$620.00} LVNV FUNDING - XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND TXXXX {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX BANK - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING.
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
|
| 10/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
My request was sent certified mail on XX/XX/XXXX and XX/XX/XXXX and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau.
|
| 11/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Hello, To Whom It May Concern Ive been disputing the inaccurate account information, since XXXX, XXXX. The company has faild multiple times in responding, or verifying the debt. On XX/XX/XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/XXXX I asked the company XXXX in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating Ive made payments to this account. In which I have no acknowledgment of. XXXX XXXX also sold this debt to LVNV funding the company has than sold the debt again to Resurgent without my acknowledgment this company is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX/LVNV/ Resurgent has violated my rights as a consumer and Im requesting legal action to remove this public record off my credit report.
|
| 04/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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Lvnv funding has reporting a collection on my credit report for XXXX. The account appears to be from XXXX XXXX XXXX in which XXXX, XXXX and XXXX has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless LVNV funding has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want XXXX to validate this account. How where they able to list a collection from LVNV funding but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can XXXX or LVNV funding. More so I never signed a contract with LVNV funding for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX They no longer have control over this account.
|
| 03/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Hi, my name is XXXX XXXX.
So, I noticed on my credit report on, or around about XXXX. That an negative action was on my credit report. I think it was from another agency. Then I realized that is was XXXX collection agency. I've never had a contract. or dealings with this agency. Just recently, after checking my report. Another company XXXX XXXX reported on my report as well! Again I don't have contract, with these 2 agencies! I have call both credit agencies on this matter. They instructed me to contact both companies directly. I did so as of XX/XX/XXXX and XX/XX/XXXX. They both were very aggressive and rude. Telling me that these were my debts and I had to pay them. I disputed these several times. Always coming back as verified. I'm so exhausted and frustrated with this matter. I've contacted both companies to provide me with proof of debt. They never sent any to date. If they can not provide proof of originals debts. To please remove from my credit report. In addition to stop all contact and reporting to credit agencies. I'm so grateful to have found this free amazing service. Please help me in this stressful matter.
P. .S. The amount for XXXX is : {$160.00} & XXXX XXXX _ {$740.00} Thanks XXXX XXXX
|
| 01/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had funds taken out of my 2 different bank accounts from 2 different banks without any notice.
I contacted XXXX XXXX as the Sheriffs department told me it had to do with account # XXXX which is from XXXX XXXX.
I contacted them at XXXX ... I was told they had me listed for a Visa Unsecured Credit Card and they have sold the account to CACH Collection and that CACH Collection has since sold the account to Resurgent.
XXXX, XXXX Case # XXXX I have no phone number for them. I have attached a notice, the only notice I have received regarding my bank account being Levied I did not have an account with XXXX XXXX so I don't know what year this was, as they didn't have a date to give me. They could not give me any information regarding this account.
I also called my bank and they told me that the account was Levied and the funds had to be released to the XXXX Sheriffs Department after 10 days of Levy. The Sheriffs office gave me a file number # XXXX I pulled a copy of my credit reports from XXXX and XXXX to see if an account was listed from any of these companies. Not one of these companies was listed on my reports.
I still do not know why my account is being Levied or by who. Can you help me fix this?
|
| 12/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
This complaint was previously filed under CFPB case XXXX, dated XX/XX/XXXX, against LVNV Funding LLC. The case was closed by LVNV claiming the following : " Company 's Response was : We are unable to locate an account under the name of XXXX XXXX XXXX with the information provided. Please provide additional information, such as the account number ( s ), to help us locate the account ( s ) and address XXXX XXXX XXXX concerns.
The address was previously provided as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Today I just received a summons to court ( case no. XXXX ) for the collection of the same debt they claimed they could not find under my name and address. I do not know the account numbers, all they have provided are copies of two XXXX XXXX Bank statements with all but the last four numbers blackout, the last four numbers are XXXX, and XXXX, the address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and the dates are for different month in XXXX. Again, I have resided at my current address since XXXX XXXX XXXX XXXX XXXX XXXX since XXXX, and previous to that time I was a resident of XXXX XXXX, and have never done business with XXXX XXXX with according with LVNV is the original credit holder.
|
| 06/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I reached out to Resurgent Capital Services ( owner of LVNV Funding LLC ) to ask the TOTAL payoff amount of my Acct # XXXX. The original debtor was for an XXXX XXXX credit card account. Associate on the phone advised me ; " the total payoff amount TODAY is {$240.00}. '' I paid that exactly that amount by phone on XX/XX/XXXX.
Yet today ( XX/XX/XXXX ) I received a letter stating the {$240.00} I paid was the " 1st installment in a payment arrangement. '' This is inconsistent with what I was told by telephone. So despite my paying this account in full, I find myself being extorted for another payment in the same amount ( much more than the original debt ). And the company has not even posted the payment I made to the credit bureaus. When I made the settlement payment I asked the associate when would a letter be sent to me confirming the paid off status so I can submit it to the credit bureaus. She stated " we have already posted paid off 's for this month, and will not post again until next month. It won't be reported to the credit bureaus until then. '' It has already been one month, and my paid off status has not been reported to the bureaus. The demand for a second payment is fraudulent.
|
| 09/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I tried to apply for a car loan and was told that my credit score was XXXX because of an UNPAID DEBT for a XXXX XXXX credit card from XXXX. I paid the debt on XX/XX/XXXX. Resurgence collection agency failed to report that I had paid it off to the credit bureau and to the bank that sent the debt to them. It has been 4 years since it has been paid off. They told me they would send me a letter in the mail ( because they don't offer email as a service ) and it would state that I paid off the card in XXXX and that it should no longer be against my score. The letter I received strongly implies that I paid this debt on XX/XX/XXXX and says thank you for your payment. You account is now paid off. If this payment comes back as insufficient funds, your account balance will return to the amount you owe. I asked them to send me a letter giving the date that I paid off my debt and they refused. I ask for a receipt for my transaction with the date that I paid it off and they said they would send in a request and asked if there was anything else they could do for me today so I asked if the request gets denied, could they call me and let me know and she said " no, we don't make outgoing phone calls. ''
|
| 07/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I am including a copy of each judgment that was ruled in my favor.
FUTURE HEARINGS Case Information I Register Of Actions I Future Hearings Party Information None Case Information I Register Of Actions I Future Hearings Party Information Parties Plaintiff : XXXX XXXX # XXXX**** I XXXX AS ASSIGNEE OF XXXX XXXX Defendant : XXXX XXXX XXXX AKA XXXX XXXX Attorney for Plaintiff : JXXXX XXXX XXXX.
Case Information I Register Of Actions I Future Hearings Party Information XX/XX/XXXX DISMISSAL WITHOUT PREJUDICEFILED FOR THE ENTIRE ACTION AS TO ALL D EFEN DAN T ( S ) AND ALL CAUSES OF ACTION ( S ).
XX/XX/XXXX SERVICE RE : SUM M ONS AND COMPLAINT RETURNED NOT FOUND/NO SERVICE AS TO ( XXXX, XXXX ) AKA ( XXXX, XXXX ) FILED. COSTS OF {$60.00}.
XX/XX/XXXX OSC H EARING XXXX XXXX XXXX XX/XX/XXXX AT XXXX XXXX., IN DEPARTMENT SEY. ORDER TO SHOW CAUSEHEARING SIGNED AN D FILED BY XXXX XXXX XXXX, JUDGE TO SHOW WHY SANCTIONS SHOULD NOT BEIMPOSED FOR FAILURETO FILEPROOF OFSERVICE AND FAILURE TO FILEDEFAULTJUDGMENT PURSUANT TO XXXX XXXX XXXX. CERTIFICATEOF MAILING FILED.
XX/XX/XXXX COLLECTIONS CASE COMPLAINT FILED PURSUANT TO XXXX XXXX. XXXX XXXX. Filing Fee : XXXX XX/XX/XXXX SUM MONS ISSUED.
XX/XX/XXXX SUM MONS FILED.
|
| 06/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have files multiple complaints about this company and how they do not do business right. XXXX does bad business, first they sent my debt to XXXX and XXXX who entered a judgement against me never served me the court papers also seized my bank account and tried garnishing my paychecks. I filed a complaint they investigated and found out they did not serve me. The judgment entered against me was set aside on XX/XX/2018, XXXX advised of this in the previous complaint response CFPB XXXX # : XXXX, which means its no longer valid, they can not collect or try to collect. Now I have XXXX XXXX XXXX calling my parents house which I do not reside, and they are calling frequently. I spoke with a gentleman XX/XX/XXXX who advised me of an Active Judgment case # XXXX and they are trying collect a deb, I told him that judgment was set aside, no longer valid and he said no he shows it active, mind you I have not received and notification of this judgment becoming active again. So I called XXXX XXXX Civil Courts this morning XX/XX/XXXX and spoke who confirmed that this judgment case # XXXX has been set aside XX/XX/2018 and is not valid. Also as of XXXX this specific debt was removed from my all 3 of my credit reports.
|
| 02/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I disputed an Item on my credit report in the amount of {$910.00}, the collection company was LVNV Funding LLC C/O Resurgent Capital Services, After several previous attempts the collection company deleted the item off my credit report, I took a snap shot picture of the deletion on XX/XX/XXXX showing the collection account was closed with LVNV Funding LLC.
On XX/XX/XXXX I notice that the collection account was back on my credit report, according to the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available by the agency. To this day I have received no such notification of the reinsertion.
I do not owe this company any money nor did I sign anything saying I did, I have asked several times for proof of my signature showing any kind of validation that I was responsible of owing anything to this company, they have sent me nothing but a print out with no signature..
|
| 09/18/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I mailed LVNV Funding LLC a debt validation letter this past XXXX about a debt that is on my credit reports ( I will mail them another one if they did not get the first one ). They have not sent me written verification of this debt. Instead, Resurgent Capital Services has intercepted my request.This is in direct violation of the FDCPA because it is false or misleading representation and they are not the current owners of this debt.
I would like a response from LVNV Funding LLC and only LVNV Funding LLC regarding my debt validation request. I want to make sure that the company that owns this debt can prove that it is mine. Resurgent Capital Services are trampling over my rights as a consumer by impeding my debt validation request. The FDCPA was partially created to prevent unscrupulous unlawful debt collection companies from abusing consumers by using deceptive tactics which is exactly what Resurgent Capital Services is doing. The form that Resurgent Capital Services sent me is very deceptive because the form has their letter head and company logo on it. This creates a false impression that someone other than LVNV Funding LLC can collect on the debt. This scheme is a blatant infraction of the FDCPA.
|
| 08/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Just finished my XXXX degree. Had to use a credit card to get through some rough financial patches. Was unable to make payments due to lack of income and trying to live on a student budget. Found out recently that a XXXX party has filed a collection lawsuit against me without my knowledge. Apparently this XXXX party ( LVNV Funding , LLC ) " bought '' my credit card debt ( still not sure how that works ) and is pursuing a lawsuit against me using the lawfirm of XXXX XXXX XXXX, in spite of failing to communicating with me in good faith. I have not even received a summons or any official, legal documentation. I recently received SEVERAL letters from random attorneys, which brought this lawsuit to my attention, none of which are associated with the lawfirm that is actually pursuing this lawsuit. I do n't understand how this is legal. I recently began a new job in my chosen field in regards to my degree, so I am now in a position to begin making monthly payments. However, this group of people has robbed me of the chance to make good on my debt and are now seeking to sidestep that good faith and take me to court. It is now my understanding that this has become a common business practice. This is n't right.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2023, I received numerous letters from Resurgent Capital Service ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, XXXX and XXXX which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.
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| 01/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Re : Duplicate paid Collection/FCRA statue of limitations over 7 years old LVNV Funding XXXX Unpaid XXXX XXXX collection {$640.00}. Contacted collector at ( XXXX ) XXXX.
This collection was reporting twice by two difference collection agencies. I paid one of them and settled for less last year and one of them was removed. I called them to tell the other agency ( LVNV ) that it was paid and they have not removed it nor verified it as a valid debt owed. Since Im buying a property I can not have open disputes but this is clearly something that needs to be removed immediately. They know it was a card from XX/XX/2015 and both were opened and originated the same month and year for the same credit limit with XXXX XXXX and same amount owed. Its clearly a duplicate account and they assign account numbers by their agency and not by the actual credit card numbers. They can not even validate it using the credit card numbers because they simply do not even have that information to even collect on it. Not only was this paid last year but it is also past the 7 years. Please have this removed since its not supposed to be on my credit report and was paid for. They do not have any evidence of this debt being owed.
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| 08/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report.
The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted.
Item : LVNV Funding XXXX XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).
Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
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| 03/04/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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On XX/XX/ 2019 I noticed the amount of {$990.00} was missing from my bank account which just so happen to be nearly half the funds I had in there. I contacted the bank the same day and they told me that there was nothing they could do on there end that it was a legal order done by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). obtained the legal order in bad faith as they garnished exempt funds. They are representing LVNV Funding llc, a debt collector who I sent my proof of exemption to. Since sending those people my proof of exemption they have tried to call me to collect the debt and now have illegally garnished my exempt funds through the law office previously mentioned. It has caused me significant hardship as this literally is the only money I live off of as I am XXXX, a full time student and receive only financial aid for school. I have tried to contact them on three different occasions. They do not have an email, so I called them on XX/XX/XXXX the same day it occurred, but no answer. Then I called them on XX/XX/XXXX, the operator picked up and transferred me to a lawyer, but all I got was voicemail, so I left a message. I called again on XX/XX/XXXX and still no answer. So, I again left a message.
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| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I disputed unauthorized accounts being published on my credit reports with LVNV Funding LLC on XX/XX/2023 and XXXX, 2023. LVNV Funding LLC has intentionally failed to provide proper and legal validation of the debts. I have requested several times to provide the following legal documentation : XXXX. Your lawful authority to collect without my consent or XXXX. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature XXXX. An original contract between me and XXXX XXXX XXXX with my wet signature XXXX. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.
XXXX. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.
XXXX. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.
I have not receiving any of the requested legal debt validation and the accounts remain on my credit report damaging my credit.
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| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have a complaint about two charges that are fraudulently being reported on my credit report by XXXX.The firts of two is being reported by RESURGENT RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. They have unlawfully and without my permission aquired my information from another company and are reporting that I owe them a debt of XXXX dollars and also XXXX dollars from two separate credit cards. now this is infact untrue due to the fact of me NEVER having a Fiduciary obligation to one RESURGENT RECEIVABLE according to CHP 15 AND 16 OF THE USC 1681 A CREDIT REPORTING BUREAU OR AFFILIATE MUST GET PERMISSION FROM THE CONSUMER AS WELL AS GIVE 21 DAYS NOTICE OF AN ACTION AND OR LATE PAYMENT REPORTING ALSO WITH UTILIZATION AS WELL NEITHER OF WHICH RESURGENT RECEIVABLE HAS DONE AND BY GIVING THIS INFORMATION TO XXXX TO REPORT IN ERROR HAS XXXXNFACT VIOLATED MY CONSUMER RIGHTS AND I WILL BE STARTING LITIGATION IF MY DEMANDS TO REMOVE THIS FROM MY XXXX REPORT ARE NOT MET. THIS HAS CAUSED ME UNDUE HARDSHIP INSOFAR AS I AM NOT ABLE TO PURSUE MY XXXX GIVEN RIGHT OF HAPPINESS OR QUALITY OF LIFE DUE TO NOT BEING ABLE TO OBTAIN ADEQUATE HOUSING OR PROPER VEHICLES. PLEASE REMOVE FROM MY REPORT.
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| 08/23/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A few months ago I learned that I had negative marks on my credit history report. Trying to take actions to resolve these issues I discovered that I have an amount on a internet service with XXXX that wasnt paid. I do not deny this account. However when calling the collection agency to try to pay on this amount they have informed me that I have another amount with the same company. An apparent account was opened only a few months after my original service was discontinued due to non payment. I did not open this account and do not understand why XXXX would even let anyone open an account in my name when my own service was just discontinued bc I owed them money. I have been getting the run around from this collection agency. I paid part of the amount that I did owe XXXX and they have not reported that. Upon checking my credit history it says that I have paid XXXX amount and still owe the full balance. They told me on the phone they will continue to report to anyone checking my credit that I owe the whole sum and have not made any payments until the whole amount is paid in full. I just really feel like I am being bullied by them bc I refused to pay for an account that I did not open with windstream.
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| 08/04/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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year:XX/XX/XXXX amount : {$2100.00} with Pinnacle LLC C/O resurgent capital service.
on that year I had checking Acct with XXXX XXXX XXXX. I deposit {$2000.00} check from I got from employer and 3days later I went to bank to confirm deposit and teller said cleared so I cashed out, while after I completed move out to other state. I did not contact from bank at all what happen. XX/XX/XXXXI went to XXXX XXXX XXXX XXXX and I found out I 'm not able to open checking account with check system record. So I called to XXXX XXXX XXXX acct department trying to know what happen, deposit was bounced. I asked, can I pay for it now for open acct? said, not sure because they issued XXXX to me and it does n't matter pay or not. I asked, so I can handle with IRS? said, yes. so I cleared with IRS last tax report. I did what ever they said but still they block to unable to open checking acct. I trying to pay back but bank wo n't accept and I paid for tax above amount. At this time I 'm getting so hard time to living without account. carrying cash for spend. I believed, someway to solved, just made painful and hard time is not the way of live as US citizen.
I really wish to way to solved this matter soon as possible.
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| 10/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received information from you attempting to collect the above-listed alleged debt. Your Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt or a contract to do business with this company. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 10/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Firstly, to the CFPB, this is not a duplicate. Listen, Resurgent Capital Services L.P. has an OBLIGATION under the law to me as a consumer to provide me with what I requested. This company is now stating that they will not investigate again, which they ARE NOT supposed to do. They HAVE NOT provided me what I have requested. They are claiming that my CLAIMS have been " substantially the same '' when I have HAD to repeat myself because they keep coming back with a lack of proof, validating and verifying the account on my credit reports! You all ONCE AGAIN sent me an attachment with bills and statements, which are NOT viable proof of an account 's validity under the FCRA! The addresses are even different on the BILLS and STATEMENTS. Verify that that address has ever been mine. They've not even provided proof of THAT. My credit reports are at stake here -- NOT theirs -- and I will sue for damages if they keep this up because they are NOT supposed to report accounts that do not have original, signed consumer contracts on file! In addition to this complaint now is their refusal to cooperate and give me due process while I have been doing my due diligence for over 7 months! The next step is litigation.
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| 09/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
To Whom It May Concern, Your latest response states this account originated with XXXX XXXX XXXX XX/XX/2013 ( attached letter ). However, this alleged open date was NEVER provided in your previous dispute responses to me through the four previous CFPB cases : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. You have provided NO documentation validating this account open date. I dispute that this account was opened on XX/XX/2013, as there has not been provided after multiple CFPB cases requesting definitive proof of the account 's origins. I dispute this claim as you have NOT provided the SIGNED ORIGINAL APPLICATION or CONTRACT with the alleged date of XX/XX/2013. Do not make unsubstantiated claims about the origins and age of this account without proper documentation. -- There is NO original application or contract showing the creditor, account number, date opened, or terms. -- The unsigned statements do not prove this account was with XXXX XXXX or opened on XX/XX/2013. I dispute this unvalidated claim about the account origins as they HAVE NEVER been provided, especially with the last letter stating a XX/XX/2013 open date which was never provided after 4 different CFPB cases providing proof...
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| 04/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Ive submitted paperwork for this account several times. from what the company is saying the debt was opened in XX/XX/XXXX. Ive disputed it many times but they still reply with this debt is valid. A month ago I sent an validation letter to the credit bureaus. I did not get any validation of the debt, only a letter from the credit card company saying that they validated the debt but only listed my name and when the account was opened. No other information was given and none of the information I requested in the validation letter was given.
Then I checked my credit report and saw that the account had been updated to paid in full but still no deletion either way. Then today XX/XX/XXXX I get a notification from my credit monitoring services showing that the same account has been transferred to a collection agency and is showing as a collection. As stated above Ive sent in FTC afidavit forms stating that Ive been a victim of identity theft, yet this company refuses to remove this account from my report.
( Ive included documents from my credit report. It states at the bottom that the account transferred or sold, charged off, credit card ) it has said this statement since it appeared on my report
|
| 07/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in 2010, the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.
|
| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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Hi my name is XXXX XXXX. XXXX has expressed to me in writing that my disputes will not be acknowledged because the account has been previously verified. The RESURGENT account # XXXX .... and XXXX XXXX account # XXXX in reference continues to report on my XXXX file without proper verification or investigation. This is in violation of 15 U.S.C 1681i ( a ) ( 2 ). To prevent me from employment and financing opportunities these companies willingly commit aggravated identity theft by reporting this information without my consent. I am legally refusing to pay this debt pursuant to 15 U.S.C 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX and RESURGENT can provide me with sufficient documentary evidence that I have any legal obligations to pay them. Until this is done any reporting of this information in my credit report must be removed. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If these entities continue their unfair and incomplete reporting and debt collection tactics they will be held criminally liable for all damages.
|
| 11/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
|
|
A loan account with XXXX is reported as sold to Cach LLC aka Resurgent Capital Services, a separate complaint was made against Resurgent. The terms of XXXX loan were not disclosed at time of approval, terms such as interest rate which is in question as it does not appear XXXX took into account credit score when calculating rate. Numerous negative reviews on consumer review sites such as XXXX reveal XXXX charges the same high interest rate to everyone whom is approved, regardless of credit score. This high rate was not disclosed and XXXX has not shown any proof to date that it was, payments ceased in 2015 after I learned of rate. A credit report shows the loan as sold to Cach LLC, the parent company by the name of Resurgent replied to complaint which I copied below, their rep states record does not show any account with Cach LLC. There appears to be an error here which needs to be corrected, if not, remove account from credit file.
Resurgent response : We are unable to locate a CACH account for XXXX XXXX. Please provide a copy of the original complaint, as well as any information ( account number or social security number ) that would help us to locate the account and address your concerns.
|
| 07/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Adverse Action and defamation of character LVNV Funding I, the consumer and natural person, was a victim of identity theft, by XXXX XXXX XXXXXXXX XXXX XXXX XXXX discharge the debt 1099C and then sold the debt to LVNV Funding.
Adverse Action against consumer is against the law according to the equal credit opportunity Act which is codified in 15 U.S.C. 1691c and pursuant to civil Liability under U.S.C. 15 1692k you are subject to criminally liability for violating 15 U.S.C. 1691c as I have been discriminated and defamation of character by XXXX XXXX and LVNV Funding in response I received from XXXX XXXX and LVNV funding of discharge of debt 1099C XXXX XXXX and LVNV Funding is in violation of the 15 U.S.C. 1642 U.S.C.1681m and CFR 1002 the parties XXXX XXXX and LVNV funding iusse application without buy knowledge and both parties also discharged debts and but that credit was not issued to me Futuremore because my social security number ( credit card was used and I received no benefits but defamation of character and inaccurate reported and harassed and garnished my pay check. This is proof of fraudulent activity ( anathourtized use of credit card on behalf of LVNV funding and XXXX XXXX XXXX
|
| 01/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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The credit card on the account is a XXXX XXXX account in which my mother opened back in XXXX, I never had knowledge to this at all until about XXXX in which I received letters from debt collectors stating I had to pay a fee of XXXX due to the account being closed.
My name is XXXX XXXX I was born XX/XX/XXXX I am now XXXX years old back in XXXX I was XXXX years old. My mother held my identification and social security numbers and did fraudulent activity in my name and I have repeatedly tried to contact the company about this, even mailing them the papers they sent me back and yet still no response. They told me to file for identity theft and Ive also done that and yet no follow up. My situation even goes deeper as my mother uses food stamps in my name while in a different state, and also received my whole income tax return in XXXX without my knowledge not giving me a dime of the money I worked all year for. If I could get assistance with this situation it would be great Im tired of feeling like Im being pushed around by my parents and this company about this situation its seems they dont care if I was a child they wan na make me pay and Im not the person whose should be paying the debt owed.
|
| 07/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
As I have stated, I have no knowledge of the account and do not claim ownership of the debt in question, in spite of the documents the company has enclosed. In response to my initial letter to the company disputing the validity of the account, I received a notice threatening to sue me for a balance I do not owe on an account that does not belong to me.
I have a fraud alert on my credit report, which has been in place since 2017. Since then, unfortunately, my name, address, SSN, and other identifying information have been compromised numerous times.
Again, I have no knowledge of this account. During my initial dispute with the credit bureaus, this item was removed from my credit report as the account. Months later, it repopulated and I was never given any information regarding why it was being reported again. I have filed another dispute with all three major credit bureaus, as per the Fair Debt Collection Practices Act : 809. Validation of Debts and Fair Credit Reporting Act : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. As such, again, I am requesting that this account be deleted from my credit report immediately as the account is not mine and due to non-compliance.
|
| 07/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Resurgent Capital Services & LVNV Funding does not have any lawful right to be in possession of my non public personal information.
I did not give either one of these companies consent to furnish this alleged debt that they claim that I owe from 2018. It is a violation of 15 USC 1692d ( 4 ) In their most recent correspondence to me ( See attached documents ) in response to my prior CFPB Complaint Resurgent Capital Services ADMITS that they agreed to cease and desist communication of an alleged debt which also means they agreed to cease credit reporting.
Communication defined under the FDCPA 15 U.S. Code 1692c means the conveying of information regarding a debt directly or indirectly to ANY PERSON through ANY MEDIUM.
My credit report is a MEDIUM that being said the LVNV FUNDING account needs to be removed from my XXXX, XXXX, and XXXX credit reports.
I am aware that Resurgent and LVNV Funding are coercing me to pay an alleged debt by ruining my financial reputation which is a violation of 18 USC 894 liable for up to 20 years imprisonment. because they benefit at my expense, the debt collector, original creditor, and consumer reporting agencies may be engaging in racketeering activity.
|
| 07/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Resurgent Capital alleges I owe them money for a credit card debt. The debt never existed. I have request they provide proof of the debt. The attachment is what they provided me that they claim is proof of the debt. They made up this alleged debt on their computer. I made up the same kind of documents on my computer and sent it to them. Legal proof of a debt as defined by the fair credit act is 1 : Credit card receipt with my name on it 2 : Credit card contract 3 : Phone records where I allegedly activated this credit card. The document the company submitted as proof of debt was fabricated by them. Read their XXXX complaints and their CFPB complaints. They have tried to scam many people by making up fictions debts. If they can not legally prove ( Which they have yet to do ) this debt then I want their trade line removed from my XXXX and XXXX credit report.
Under CFPB guidelines ( as I understand them ) for debt verification a debt collector must provide a receipt with the person name on it or a contract between the original company and the debtor or phone records showing conversations between the debtor and original owner of the debt. Resurgent has not provided any of that information.
|
| 10/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX applied a debt that is my fathers and took me to court in XXXX. I went to court and told them it was not mine. In XXXX, I received another summons in relation to the debt. I had my lawyer get involved. She sent them a letter on XXXX XXXX, XXXX tellling then they had the wrong person nd to remove the vdebt from my information ( as well as calling them telling them the same information ). On XXXX XXXX, XXXX, XXXX XXXX filed a garnishment in court for this debt. I debt not receive this information until XXXX XXXX, XXXX because I do not and have never lived at the address listed in the information. Since that time, my lawyer has repeatedly called and been told the garniment will be removed and the money returned. It is XXXX XXXX and the garnishments continue and the money they have taken is now XXXX for a debt that is not mine. A debt that the third party collection company ( not the original owner of the debt ) attached my ssn to because my father and I share the same first name. They have all the information from my lawyer ( including my fathers information to pursue the debt from him ). They were told the debt was not mine in XXXX and never sent any information to prove otherwise.
|
| 07/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Company is LVNV FUNDING - company started off by sending a post card in the mail for me to verify my address. The lawyer stated they did not have to validate anything which based on the FRCA Laws I have the right to get validation. However the judge decided not to grant me that courtesy. Yet here is the creditor asking me yo validate my ss # after the debt resolution company is trying to work out an agreement.
Below is what was written to me by the Debt resolution company.
The initial budget of {$750.00} was to be used for restructuring all of your creditors. The monthly amount allocated for LVNV from your budget was {$61.00}.
Since the settlement that they offered called for monthly payments of {$110.00}, which exceeds the amount we allocated ( {$61.00} ), the additional {$30.00} will leave us with a sufficient budget to present offers to your other creditors.
I hope this cleared up any confusion.
Also, the agency handling the debt is requesting that we confirm your SS #, as the one we have is different from what they have on file.
This needs to be stopped and these companies need yo not usurp the law when they choose to. I am tired that the FTC does nothing about these issues.
|
| 06/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to file a complaint against LVNV, a collection company that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes, LVNV continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me and should be removed.
I have been disputing this account with LVNV for several months now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, LVNV has continued to report the account on my credit report, which has negatively impacted my credit score.
I have also noticed that LVNV has been reporting inaccurate information about the account, which further damages my credit score. This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. I urge you to investigate this matter and take appropriate action against LVNV for their failure to comply with the FRCA.
I also request that you ensure that LVNV removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.
|
| 06/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of credit card identity theft : someone opened an account in my name, charged {$590.00} to the credit card, and never paid. I did not know that anyone had taken out a credit card in my name until XX/XX/XXXX, when I discovered I was a defendant in a small claims case in Missouri. As soon as I discovered that someone was using my identity to get a credit card in my name, I filed a police report, contacted the three credit agencies to put fraud alerts on my credit, and filed a identity theft affidavit with the FTC. My court case was dismissed in XX/XX/XXXX. The debt was sold to a collection agency, Resurgent Capital Services ( XXXX XXXX XXXX XXXX, SC XXXX XXXX ). When I called to tell them this was identity theft, they still did not believe me, so my attorney got involved and spoke with them. She then sent them a letter with copies of my fraud affidavit, police report, drivers license and social security card, but they said it was not sufficient evidence to discharge the debt. My attorney 's office is still receiving harassing letters from this company, who will not cease contact with me. I am trying to get this debt removed from my credit report. I am hoping you can help me.
|
| 03/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Received an email from " XXXX '' I clicked on the email thinking it was from a coworker named XXXX. This email was misleading and did not state who it was from until I opened it. It was a collection agency Resurgent Capital Services disguising themselves as a friend on my email. I called them, they stated I owed a debt to XXXX XXXX XXXX XXXX XXXX from XXXX or XXXX. I explained that I was incarcerated at that time. They asked if I was disputing the debt I stated no the debt isn't mine. Today I received a letter from them stating the original collection agency LVNV could not sue me due to the length of time and the law limits and they were taking over the debt. I have no idea who this bank is or what the debt is for. I have settled old debts with Resurgent last year and don't have a problem taking care of my old debts but something from 20 years ago while I was incarcerated that is not mine I'm not paying for it. I have taken care of my past wreckage and I have changed my life.The letter states LVNV is the current owner of the account but the body of the letter states Resurgent is servicing it? If LVNV cant collect how can they still own the debt? They need to find out who made the debt.
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| 05/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/2021 I sent out a debt validation letter to resurgent capital services they then responded with a bill statement however I requested specific information and I informed them that this was not proper validation that the debt belonged to me. I sent another letter to resurgent capital services in XXXX requesting that they send specific information validating that the debt belongs to me. They didnt respond so I sent a second letter out. They in return sent the same exact bill/statement, they sent out to me in XX/XX/2021. I then reached out to XXXX and XXXX in XX/XX/2021, XXXX in XX/XX/2021 and expressed my concerns that the company was not validating the debt properly XXXX did a thorough investigation and deleted the account from my credit report however XXXX and XXXX validated the debt. I dont believe I was given a fair investigation as resurgent capital services clearly did not validate the debt properly thats why XXXX deleted the account from my credit report. By law from my understanding if the debt can not be validated it must be removed from my credit report. If you can look into this matter I would greatly appreciate it thank you. I have submitted the documentation below.
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| 05/20/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I was sued by LVNV Funding LLC, alleging that I owe them a debt that they bought from the following companies with Chain of Title : LVNV Funding purchased the debt from Sherman Originator LLC on XX/XX/2019, who purchased it from Sherman Originator III LLC on XX/XX/2019, who purchased it from XXXX XXXX XXXX on XX/XX/2019, who purchased it from the original creditor XXXX on XX/XX/2019.
I do not recognize the original debtor, and I have requested validation of the debt multiple times from LVNV Funding XXXX who is also my former employer through Resurgent Capital Services, their Account Administrator ), who has not provided me this validation in a manner that satisfies my inquiry. I feel this action is harassment, given that they have not provided adequate chain of assignment, and LVNV Funding has been sanctioned multiple times for this behavior. Their attorneys ( XXXX XXXX XXXX XXXX are also the subjects of various investigations by the CFPB and the New York State Department of Finance into actions such as robo-signing of lawsuits and others acts of bad faith. XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX In my case, my attempts to seek substantiation of debt were met with a lawsuit.
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| 05/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The company LVNC Funding, LLC has never been able to verify or send valid information of this debt after several of my attempts over the past 2 years. The debt is {$920.00} with XXXX XXXX XXXX.
Finally, I contacted them last week at XXXX to ask for an agreement in writing. This agreement from me was that, if I pay a certain amount, they will remove this debt that doesn't belong to me from my report.
They told me that they no longer own the debt and that it was sold to XXXX XXXX XXXX, who I contacted at XXXX.
I called XXXX XXXX XXXX to ask for this pay to delete letter and they stated that, they are not authorized to collect from the State of Florida, where I live. They said that they will send the debt back to LVNV Funding to collect from me. I called LVNV right back to explain this and they said " Oh well once we get the debt back, we will send you a notice ''.
They have not proven that this debt belongs to me. I disputed twice and a credit repair company disputed once. It was been removed and replace on my XXXX and XXXX reports under different collectors. I want this item removed for good. They keep shuffling it around to creditors who are not authorized to collect from me.
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| 10/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am making this complaint for myself. RESURGENT is not an original creditor. This debt does not belong to me and I've never done business or entered into an agreement with this company. RESURGENT RECEIVABLES LLC harmed my credit reputation by reporting negative collection on my consumer report which is a violation of 15 USC 1692d ( 1 ). RESURGENT RECEIVABLES LLC furnished deceptive forms and pursuant to 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Failure to comply with 15 USC 1692j and 15 USC 1692d ( 1 ) makes RESURGENT liable under 15 USC 1692K, {$1000.00} per violation. Also valuable consideration was never given in regards to my PII and I need to be compensated for the usage of my information. All of my personal identifying information ( PII ), location information, and private property including signatures/autographs hold a value of {$5000.00} in this matter.
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| 07/25/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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XX/XX/2015, a fraudulent charge was added to my credit one account. I disputed the charge and it was removed. I then paid off and closed the account. A few weeks later more charges were added, including interest ( On a closed account? XXXX ), and a month later, the original fraudulent charge. I called them multiple times asking them to take care of it, they never did. One time they told me i reauthorized the charge, I asked for proof, they never sent any. I 've written formal dispute letters, they never responded. Of course i didnt pay this bogus charge, and as a result, they sold my account to a collections agency, LVNV? I called then today, and boy were they nasty. They claimed i made a payment on XX/XX/ for the amount of the balance which is bogus. If I made a payment for the balance then why would there still be a balance? That does n't make any sense, theyre just trying to make the debt look valid. They said they would send a form to XXXX, to validate the debt. But I 'm tired of all this. I 've tried so many times and they do n't do anything. I want proof, I reauthorized the fraudulent charge. Not just XXXX word for it. I want an audio log of me reauthorizing said charge.
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| 10/11/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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XXXX credit card company, offered and offers a credit protection program, in the event, of loss of job, death, military diploment, and or suffer from a XXXX which results in permanent XXXX.
Between the dates of XXXX, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that took time to finally diagnoses. Finally, in between the aftermath of covid, I was XXXX and officially diagnosed XX/XX/. I am currently XXXX. and they are now sending a third party not the original creditor, but the third party randomly showed up at my door unannounced to say they have filed a judgement against me in my local county. Never was I informed or made aware, and due to my XXXX XXXX have not had the chance to provide the oriognal creditor XXXX with the information they need to process for my XXXX as the reason for late payments. I paid a fee monthly in addition to the normal payments for this special program they advertised that would help take care of any balances in the event of any of the above unforeseen circumstances. but, instead of them honoring this, they have now sent people to my home and threatening a law suit by an unknown third party to which I don't know and now unsure of what to do next.
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| 01/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
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Resurgent Capital services an account for LVNV Funding is still harassing me over an account they fail to provide ownership. I am waiting for information regarding the purchase of this account from XXXX XXXX XXXX XXXX. LVNV Funding and Resurgent Capital is asking me to provide documents showing identity theft and unauthorized charges. If they trying to collect for XXXX XXXX or have ownership of this account they should have all documents. XXXX XXXX XXXX XXXX was sent over a copy of a police report years ago and I was informed not to worry about the balance. I am not doing the leg work for LVNV Funding or Resurgent Capital. I know this much if they keep harassing me by sending notices in the mail I promise you I will be taking them to court. I am XXXX with XXXX and this company is really irritating me. I have an appointment with the XXXX XXXX legal team regarding the harassment I am receiving from this company. LVNV funding trying to make a living off someones else. The are trying to piggy back off someones gain. You will not get anything from me but a lawsuit. Ive asked many of times for this fraudulent debt company to stop harassing and contacting me and they are still doing it.
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| 09/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American |
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I was notified that I had a balance due on a bank card. I attempted to find out what the status was on the XXXX XXXX bank card XXXX. The amount of debt they were reporting was not the correct amount, as it far exceeded the credit limit. I had moved and was not aware any balance on the cards.
I requested for over a year from XXXX XXXX copies of the debt so I could review and resolve the amount owed. During the process XXXX XXXX closed the account and charged it off. They also sold the debt to LVNV Funding who purchased my bank card debt. I have for the last 6 months requested from LVNV the same detail on the charges on my bank card. LVNV was collecting the charge and then purchased the debt.
In both cases I have never received any information on the bank card. It is outrageous that neither XXXX XXXX nor LCNV did not send me the information and now I have charge off, I have an amount that far exceeds what I would have owed and the situation is as bad as it could be.
Because of this I am unable to rent an apartment or find a job, I have few resources very little recourse. My credit has been significantly affected by this especially due to the current pandemic I have few options.
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| 07/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Dear LVNV Funding LLC Your company must not be aware of the FDCPA, because you have violated my consumer rights.
Account Number : XXXX In accordance with the FDCPA any violation you commit against a consumer you are liable for {$1000.00} per violation which you have committed.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Also please be aware that any electronic transfer of information is not validation of an alleged debt.
Please cease and desist with contacting me and with any further attempt to collect this alleged debt.
Also Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I XXXX XXXX the consumer gave LVNV no consent to share my personal nonpublic information with any third party companies. An in fact XXXX, XXXX and XXXX or third party for-profit companies. An in fact they are in no way associated with, back by, bonded, by any government agency or bureau. You are in violation and this will not be accepted or tolerated in any way by me.
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| 04/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items LVNV XXXX {$780.00} XXXX {$780.00} The name and address of the original creditor A copy of the original contract between myself and the original creditor.
The original application for this account with my signature.
A copy of the agreement authorizing your company to collected on their behalf of the original creditor.
FULL detailed accounting history on the account and the calculations on how they reached the amount owe.
Provide verification on any judgments connected to this account.
Provide your license to collect in my state and your registered agent name with their address.
Please show proof that the Statue of Limitations has not expired in my state for this account.
Provide the date of the last payment on this account.
Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions.
Thank you for your cooperation, XXXX XXXX
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| 03/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am XXXX XXXX and I am submitting this complaint against XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ).
All three of these Bureaus have the same records. INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX to FURNISH this account/item.
The DATE OPENED is INACCURATE and I DEMAND XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND XXXX to delete this account/item within 4 business days ( Exhibits provided ) XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
|
| 07/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Initially I had a credit card account with XXXX XXXX who was purchased by XXXX XXXX. I lost my job and was unable to make any payments. I attempted to negotiate/ask for respite from the company and was denied any consideration. I did, however, write them agreeing I owed {$6300.00} ( the credit limit ). In XXXX, when I finally was able to secure a job, I wrote again and began paying {$50.00} per month. The debt was subsequently sold ( multiple times ) and now is with XXXX XXXX XXXX. I have been writing to them recently asking for a complete accounting of the funds submitted to them and their predecesors from XXXX to XXXX a total of 13 years. To date I have not received the requested accounting. In an XXXX article I just discovered that some debts have a statute of limitations or a " time-barred '' expiration date. The article indicated that limits vary by state and generally range from three to six years, depending on the debt. I am again writing to them and again requesting an accounting as well as informing them I have submitted this complaint with the Missouri Attorney General 's Office as well as with the Consumer Financial Protection Bureau of the United States Government.
|
| 10/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
I have made numerous attempts to resolve this matter for the following reasons : On or about, XX/XX/2020, XXXX XXXX XXXX issued a new credit card, which they have done every year. The balance owed on the credit card is usually transferred to the new card. There was nothing unusual about the transaction this time. The balance from the old credit card was transferred to the new account ending.
I continued to pay my monthly bill, as usual, not suspecting that there was a problem. I received no complaints from XXXX XXXX XXXX. I never received a late notice or any notice of impending charge-off. I learned of this charge-off when I checked my credit sometime in XX/XX/2020 in preparation for refinancing my home. XXXX XXXX XXXX, continued to report that I paid my bill as agreed. I have only had one account with XXXX XXXX XXXX. I have written to the collection company in an effort to have the charge-off removed from my credit file. This mistake has cost me the ability to refinance my home as my credit score dropped 35 points. Resurgent sent me their evidence and the evidence that I do not owe the funds charged -off is evident. The transfer of the balance is evident in the paperwork.
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| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to Resurgent/LVNV Funding.
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action.
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics.
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements.
Pertinent correspondence, communications, or notices related to the chose in action.
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me.
Thank you for your cooperation and timely attention to this matter.
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| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Please note that I am the author of this complaint and all attachments.
The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.
The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
|
| 08/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
on XX/XX/2018, I received a notice of assignment from a company called resurgent capital claiming i owed money to them from a debt from XXXX XXXX. I responded with a letter on the same day via return reciept certified mail. I requested they provide proof of this supposed debt, and also stating that i was disputing this debt. They responded on XX/XX/XXXX with a letter dated XX/XX/XXXX, stating i had to inform them in writing ( which i already had ) that i dispute this account. I responded that day with another letter stating i had already in fact disputed this supposed debt and that by sending me another request for me to put something in writing, they had violated florida debt collection practices, two days later they sent me a generic statment of account from there own computer system, attempting to pass this off as proof of this debt. I responded this morning, andd informed them that since they are unable to provide proof they are to cease and desist immediatly from contacting me or attempting to collect on this supposed debt. theey have violated the FDCPA by calling my husband on his cell phon regarding this debt and have failed to provide any proof of this supposed debt.
|
| 01/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I paid this debt off in XX/XX/XXXX and was advised by someone in the compliance department that it would be removed off my credit. Just recently I was informed that this debt is not only still reporting on my credit it's still showing opened. The agreement was that if I paid the debit that they would have it removed, all of this was stated on a recorded line. Today, XX/XX/XXXX I called and got an representative by the name of XXXX whom refused to give me her agent id and transfer me to compliance after asking multiple times she then transferred me to escalations where I spoke with an rude representative by the name of XXXX. She also refused to send me over to compliance and stated that she would contact them for me. She came back on the line and stated that they stated that the item wouldn't be removed, which isn't true. This company took my money under false pretenses while giving false information. I will be contacting an attorney to have my money refunded back to me and have this item deleted as promised. I will be reaching out to the media about this company, and will continue to file complaints against this company with the CFPB and XXXX until this matter is rectified.
|
| 03/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX purchased a XXXX XXXX Debt but failed to give me a proper notice in regards to the way this account would adversely affect my credit report nor did they give me the opportunity to resolve it before they credit reported.
I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution.
Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law.
For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed.
|
| 02/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a copy of my credit report and found the following errors on Account Numbers : XXXX and XXXX with LVNV Funding LLC XXXX I am hereby requesting this company to confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification.
In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing this company to cease collection of the debt while efforts are made to obtain verification. Until this is resolve with the creditor, you should neither contact me nor anyone else except the creditor about this collection.
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.
|
| 05/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am writing this in response to [ no letter/phone call ] I have not received as allowed under the fair Debt collection practice act ( FDCPA ) I am requesting that [ LVNV FUNDING ]. provide verification of this debt. PLEASE SEND THE FOLLOWING INFORMATION : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid l basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payment made since the last billing statement and the original creditor claims this debt became delinquent. Please also note whether this debt is within the statute of limitations and how that was determined. please only communicate with me in writing please note that withholding any information you received in an attempt to collect a debt complaint is a violation up til {$1000.00} dollars of the FDCPA Because you will be deceiving me after my writing request i request for documents of what you receive from the provider of services in connection with this alleged debt.
|
| 11/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am lodging a formal complaint against lvnv funding. this debt buyer has intentionally continued to report derogatory information on my credit reports that isnt mine.i have requested thru mail since XX/XX/2017, debt validation for this account on my reports. and they have ignored my request but continue to report every month. lvnv also never sent me a dunning notice in the mail before they reported which is a violation of the fcra/fdcpa act. i have called and spoke to them about this and they continue to tell me we dont have to send you anything in the mail before we report on your reports which is a lie. this debt is for a XXXX XXXX XXXX credit card which i never had before. ive never had XXXX XXXX XXXX on any of my credit reports which i spoke to them and told them. the representatives told me they dont care and i need to just pay. i am in the process of purchasing my very first home and this errounous account is holding me back. i am requesting immediate deletion of this account from my credit reports and no further action will be taken. if not i will be reporting to my state and lvnv state attorney general offices, and contacting legal options. thanks for your time.
|
| 01/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I started paying to XXXX XXXX XXXX : LVNV FUNDING LLC in XXXX of XXXX, While dealing with them at first they were not reliant when it came to taking the money out at first so I resorted to paying manual and keeping a record of all the mailings I got from them. But as I started paying them I noticed that the remaining amount owed is not reflective of the actually amount that i should owe. In fact, the amount still owed hasn't move at all in the last XXXX months! I mentions this and called them a few times to tell them that their information was inaccurate and they kept saying that their online systems are slow to update! I can understand a few days but just doing basic math should show that in fact, the amount should be closer to XXXX dollars still owed not XXXX!
Original Balance : {$3500.00} False Current Balance : {$2900.00} Actual amount that should be owed : XXXX Dates of payments : Payment History XXXX {$25.00} XXXX {$110.00} XXXX {$110.00} XXXX {$93.00} XXXX {$25.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} pending payments : Pay Date : XXXX Amount : {$110.00} Total : {$110.00} Last time I called was today XX/XX/XXXX
|
| 04/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted Resurgent Capital a few months back to dispute the debt which I continue to dispute. However, Resurgent has placed this account on my credit bureau ( which I hold is a violation of the Fair Credit Reporting Act ) so I contacted them in an attempt to settle the bill.
During the call, I made a settlement offer of {$600.00}. First off, the collectors were extremely rude. I explained I am XXXX and there are no assets for them to come after. I then asked to speak to a supervisor as they refused to even propose the offer to their client.
Please make a note, of the three people I spoke to ( which can be confirmed by the attached audio recording of the call ) none of them provided the disclosure that " this is an attempt to collect a debt ''.
All of the reps refused to take the settlement offer to their client which is a violation of the agency relationship as established by law.
Further, I contend such actions are a violation of the FDCPA. However, at the very least, Resurgent Capital violated the FDCPA by not providing the required disclosure.
I will be speaking with my family attorney about my options with regard to filing suit against Resurgent Capital.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The debt company, LVNV FUNDING LLC ( owned by Resurgent Capital Services ), has purchased debt that they are claiming to be mine.
This company must be under the impression that they are reporting accurate information under my name to the credit reporting bureaus. None of ther accounts that they are reporting to the bureaus are verified or true.
The debt they claim is mine has not been fully verified or validated. I have requested proof of verification and validation of this debt and never received proof of a WET SIGNATURE of mine on a contract between the origin creditor and I to prove that I am liable for this debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
The accounts that are being reported under my name are inaccurate, unverifiable, unvalidated, and it is unlawful for LVNV Funding LLC to report them.
These accounts listed below must be DELETED from my credit reports as LVNV Funding LLC is in violation of the FDCPA and the FCRA : LVNV FUNDING LLC XXXX {$700.00} XXXX XXXX XXXX Unverified Account LVNV FUNDING LLC XXXX {$33000.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$14000.00} XXXX XXXX XXXX Unverified Account
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| 05/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. LVNV Funding, LLC, c/o Resurgent Capital Services L.P. , claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with LVNV Funding, LLC, c/o Resurgent Capital Services L.P . I DID NOT ASK for it nor are they privy to contract with me. LVNV Funding, LLC, c/o Resurgent Capital Services L.P. has been negatively reporting on my credit report for 1 YEAR and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. LVNV Funding, LLC, c/o Resurgent Capital Services L.P only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to LVNV Funding, LLC, c/o Resurgent Capital Services L.P. they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE LVNV Funding, LLC, c/o Resurgent Capital Services L.P. and original creditor anything.
|
| 04/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( XXXX and XXXX ). I've submitted this complaint 4 times & you are claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & XXXX and XXXXwith an affidavit & FTC fraudulent report to support my position. It seems XXXX and XXXX are violating FCRA sections 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see that this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks LVNV FUNDING LLC XXXX
|
| 08/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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|
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 06/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
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In XX/XX/XXXX I pulled my credit file and found that LVNV Funding was reporting I had a collection account with them from XXXX XXXX XXXX. They reported the account was opened in XXXX and the amount due was over XXXX. I sent LVNV a dispute letter on XX/XX/XXXX asking them to validate this debt, I also requested contact only via mail and to not contact my home or place of employment by phone.
I receive the attached response from Resurgent/LVNV stating that they went to court and receive a judgment against me. I dispute the validity of the document for multiple reasons I never received any type of notice/ documentation that I was being taken to court When I went to XXXX county records department and searched for the cause number no records were found and the cause number was invalid I requested a national court document search to locate the official paperwork and again the cause number was invalid and nothing was located via the Pacer data base.
The document sent to me by Resurgent looks to be possibly made in house, It has no identification markers that are typically found on official court documents issued by the courts.
I have attached all documents for your review
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| 02/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Firstly, I was never informed that I owed them. Never received a call nor letter from them. Received alerts from XXXX and XXXX. Found out that Resurgent Capital Services had placed a negative item on my credit report. I sent them three certified letters, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking for validation of the debt. To date, they have failed to provide that but opted to send me a debt verification 6 weeks after my initial contact on XX/XX/XXXX, which is clearly not what I requested. I specifically requested the following : 1 ) a detailed statement reflecting all credits/debits and fees associated with the amount owed, starting from the first day the account was opened to the last day it was closed, showing all transactions and how they arrived at the amount owed, 2 ) I requested a signed copy of the Card Holder Agreement indicating amounts of all fees associated with the account, 3 ) I requested that Resurgent Capital Services provide proof that they have the authority to operate as a debt collector in the state of Pennsylvania. Non of the above requests have been provided as of XX/XX/XXXX and yet they choose to maintain the negative item on my credit report.
|
| 08/07/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
Servicemember |
|
LVNV frauduently reported and sold my personal information to credit reporting agencies and to LVNV Funding LLC. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
whom is may Concern, I dispute your claim and I am requesting validation from your pursuant to the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Send this information to my address and accept this letter sent as my formal debt validation request which I am allowed under the FDCPA.
|
| 03/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Ive recently filed an complaint that was close. Which I feel it shouldnt have been. They appeared to have satisfied your requirements but not to me. I am still not convinced or have proper documents that I am required to owe any debt to the alleged current owner. I have no documentation that Resurgent is people Im to answer to due to the fact LVNV is listed as the current owner. Not Resurgent. I have yet to receive communication between the original creditor XXXX and LVNV as far as a signed documents between he two authorizing them to collect or documentation of them buying this debt let alone it being turned over to Resurgent. Also According to Resurgent they were authorized to collect on this as of Effective XX/XX/2021 ; as of this time LVNV Funding placed this account with them. How is this so when I have a document dated XX/XX/2021 saying this account was in hands of XXXX XXXX XXXX. There for it was supposedly in someones elses possession at time Resurgent is claiming possession. Therefore additional information is required bill of sale, receipt of sale. Signed documentation between original creditor and Resurgent stating that they are required to collect. On this.
|
| 08/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
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I have an account in collection and contacted the LVNV funding to advise that the account was fraudulent opened and that XXXX XXXX the original owner of the account closed the account as fraud.
they purchased the account and have asked me to for documentation for which I do not have. so I asked that they contact XXXX XXXX and have the account disputed. they transferred me to XXXX XXXX.
who I have consistently called every 2 to 3 days since XX/XX/XXXX, advising them I needed to have this account removed and if after my dispute I would work to settle the account.
every time I called they stated still in dispute.
on XX/XX/XXXX when I called 3 days after my XX/XX/XXXX call they advised a judgement was issued on XX/XX/17 and that I could not settle and the dispute was still in process.
they were not transparent with what was happening with my account and did not offer me to settle but sent for judgement during the dispute and I believe this account should be removed.
I have tried for quite some time over a year to get this account settled and neither XXXX or LVNV funding would work with me?
can someone from your office contact me with regards to what I can do.
|
| 05/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Older American |
|
I owed {$1600.00} to XXXX XXXX Bank Credit Card but medical expenses probated payments. My wife, XXXX, is XXXX. We XXXX live on XXXX only.
XXXX XXXX Bank sold the debt to a law breaking junk debt collector LVNV Funding , LLC. Their attorney, XXXX XXXX XXXX XXXX, harassed us with calls all hours of the day. Their bill collector went to neighbors misrepresenting themselves as the police and disclosing we owed money and we were XXXX.
The law firm sued us and won a default judgment for {$2300.00} on XXXX/XXXX/2016 ( attached docs ). We wrote them on XXXX/XXXX/2016 telling the attorney to cease all collection harassment ( attached docs ). They continued to tape legal work to our front door after our cease and desist letter. In speaking to the law firm they were aware that our income was from XXXX only but the attorney threatened to illegally garnish our checking account on XXXX/XXXX/2016 ( attached docs ).
We filed bankruptcy on XXXX/XXXX/2016 but to date the attorney has not removed the collection activity from our credit report.
LVNV Funding LLC and XXXX XXXX XXXX XXXX have violated the FDCPA laws and should be held accountable for their law breaking activities..
|
| 09/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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|
I disputed fraudulent charges on my XXXX XXXX XXXX card in XXXX or XXXX of XXXX XXXX XXXX XXXX stated that the charges were correct and were charged overseas and I had to pay them. Despite the fact that the charges were not mine, I paid them and I instructed XXXX XXXX XXXX to close my account.
The account statement issued by XXXX XXXX XXXX for the period from XX/XX/2018 to XX/XX/2018, showed a credit balance on said account of ( $ XXXX ). As of the last day of such reported period, the account was permanently closed, XXXX XXXX XXXX had no right or authorization to accept any charges on my behalf on the account.
The charges on my card clearly show that they have been made for services in the name of other people that are different from my name. I did not receive any product or service using XXXX XXXX XXXX card. XXXX XXXX XXXX should not have accepted any charges on a closed account.
XXXX XXXX XXXX sold my account to XXXX XXXX XXXX. I complained to such entity. Thereafter, the account was sold to Sherman Originator III, and then sold to LVNV Funding LLC. Then, it was lastly sold to Resurgent Capital Services.
I register my complaint against all such entities.
|
| 08/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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I am writing because I have a problem arising from a debt not owed by myself to XXXX XXXX which is their error ( admitted by the XXXX company ) and is being handled by LVNV Nevada debt buyers.
I have previously disputed information both against LVNV and XXXX XXXX and the accounts were removed from the top 3 CRA 's database. Recently they have reinserted the account illegally and have begun their harassment anew.
XXXX XXXX knows that the account is an error on their end and have told me that despite this they can not adjust it as they do not have access to the system. they were supposed to contact LVNV about the error. I seem to be getting the run around here. One company knows the error of the debt is not accurate and the other is trying to collect upon it regardless.
As stated, I have previously won a dispute against both XXXX XXXX and LVNV and both accounts were placed back into my consumer credit files with the top 3 bureaus.
I feel I am not being helped along and no effort is being taken to correct the issue other than being given lip service about how sorry they are that I am in the middle of this matter. I am seeking assistance with the CFPB in this matter.
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XXXX, XXXX, & XXXX -- -There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to by me as the consumer.
XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, LVNV FUNDING LLC XX/XX/XXXX XXXX -- -- -- XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, LVNV FUNDING LLC XX/XX/XXXX ' XXXX -- -- XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, LVNV FUNDING LLC XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report with in 4 days from the date of the receipt of this notice I look forward to your response.
Thank You,
|
| 09/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX of XXXX I obtained my credit report from the 3 bureaus.
I noticed a collection account on my report from LVNV FUNDING better know as Resurgent Capital. I have never applied for a XXXX XXXX credit card until I received an invite in the mail in XXXX of XXXX. On my report it states I have a charged off account. I sent a request for debt validation on XX/XX/XXXX and requested it be sent within 30 days not a Verification of address or a bill. On XX/XX/XXXX they sent a Verification of my address that i didnt ask for. I called them to get the matter cleared and they told me they had to submit a new dispute, using stall tatics, when I offered to send my fraud report from the FTC. Its now XX/XX/XXXX and the closed account is still on my reports and that's pass the 30 days that is given by the FCRA. I volunteered the fraud report to XXXX XXXX and XXXX i didnt get her last name and they didnt tell me where to send it to. Its also a closed account thats not mine and serves no purpose i want it removed. They violated my rights by not complying within the time frame. I want this account permanently deleted and no further contact with LVNV FUNDING and RESURGENT CAPITAL.
|
| 08/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXXLVNV Funding LLCC/O Resurgent Capital Services XXXX XXXX XXXXXXXX, SC XXXXXX/XX/2019Re: Acct 01 XXXX XXXX XXXX XXXX Dear: LVNV Funding LLC You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX
|
| 06/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I received a request for payment from Resurgent Capital Services for an unpaid credit card issued by XXXX in the fall of 2019. I have written the credit bureaus to dispute the amount of XXXX I have written and called the collection agency over 20 times in the last 8 months. I have provided proof of payment in the amount of {$99.00} that was cashed AFTER the account was closed and never subtracted from the balance. I have provided proof that the money order was cashed in XXXX 2019. I can not find the receipt XXXX money order ) for the XXXX so I paid it last month. My balance is now XXXX but they continue to not research, read the proof and correct this error of {$99.00} that was cashed in XXXX 2019.
The last XXXX statement shows charged off on XXXX XX/XX/2019. But XXXX XXXX receipt is dated as cashed on / around XXXX XXXX, 2019 which was not returned to me or applied to the closed account.
I have repeatedly asked the company for a correction. I refuse to pay what has already been paid. Is this fraud, greed or incompetence? I don't know but it is ridiculous and a lot of time has been spent on an obvious proven error. They have everything needed to fix this error.
|
| 08/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/2020, I received out of nowhere 2 collection letters from Resurgent Capital Services/LVNV Funding LLC for {$3300.00} and {$4600.00} respectively. On XX/XX/2020 I certified mailed this company Debt Validation request letters with return receipts so i would have proper records that the company received the requests. On XX/XX/XXXX, and XXXX 2020 i received the signed return receipts stating that the request letters had been received. On XX/XX/2020 I received a phone call from the company in regards to these 2 collection accounts in which at that time I advised the representative that i wished to only be contacted via mail and made her aware of the validation requests. As of this date XX/XX/2020 I have not received any validation information from this company and furthermore have received not communication via mail as requested. Today XX/XX/2020 I received notification from my credit monitoring service the these to collections have been placed on my credit reports as negative items. I am deeply upset as to why this company would do this as I requested Validation and the have never validated the debt. I also believe this is a violation on my consumer rights.
|
| 02/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Resurgent Capital Services has placed a account on my credit report. The account is filled as XXXX XXXX on all of my credit reports. However, when I call the representive says they are with Resurgent Capital services and they are handling the account. The account is listed as originating from XXXX XXXX XXXX and opened on XX/XX/2017. I have contacted the orginal creditor, due to the fact that I have a credit card with XXXX XXXX XXXX and I am unaware of a second. I asked for all original documents pertaining to this account to be sent to me from Resurgent Capital Services/XXXX XXXX to verify the account. The process they have instructed me on is unrealistic. They want me to file a affidavit with this site, the police department, mail everything to a XXXX XXXX and await a response. However they have not given me a date of account origination or original documents as requested. All they send me is old billing statements from charges made. Which does not prove ownership. I have disputed this account in the past with XXXX XXXX XXXX and it was removed. It appears that it was then sold to this agency and they are making it extremely hard to prove this is not my account.
|
| 01/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I was contacted regarding a debt from XXXX XXXX In XXXX or so when I was XXXX, I along with other XXXX were conned into providing our information to open up a XXXX XXXX bank account. This person ultimately opened up car loans, credit cards and more in our names. This was disputed and ultimately found to be fraud in or around XXXX and it was removed from my account. Now, 10 years later a collection agency LVNV funding is trying to collect a debt that is not mine. I informed them it was fraud and requested they verified the debt with a signed contract, any payment history, and proof they are legally allowed to collect in my state. The only thing they sent was a bill from XXXX XXXX with my now married name ( XXXX ). When they called, I told them it was fraud and the lady stated " you can pay it or you will end up in court. '' I am a 100 % XXXX veteran that is already dealing with health difficulties, this has caused additional stress that I can not handle at this time. Nobody at LVNV has tried to help, just threatened to take legal action. I was in the process of trying to refinance my home and can not because of this derogatory mark on my account. Please help me.
|
| 08/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In the last year I began to receive letters from a collection agency for a debt that is not mine. The collection attempts were from recurring charges that appeared on my credit card account in XXXX to XX/XX/2020. The bank removed the charges and provided me with a new card number. XXXX XXXX deemed the charges as fraudulent and I was not responsible for payment. The vendor, XXXX, did not initiate a chargeback of the charges or provide evidence to validate the charges with XXXX. XXXX did not record the charges as fraudulent within their own system hence why I am now getting collection attempts.
I have provided the collection agency, Resurgent, with a letter requesting that they cease and desist collection and a letter from XXXX indicating the charges were fraudulent and stating that I am not responsible which is dated XX/XX/2020. I also completed the company 's affidavit indicating the charges were due to fraud and not mine. Resurgent is still attempting to collect payment from me.
I will not pay for a debt that is not mine. I will not hesitate to sue XXXX and Resurgent if this debt is reported to the credit reporting agencies and show up on my credit report.
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
LVNV Funding LLC placed an account for collections in my name on XX/XX/XXXX. I sent the company 2 written request for them to validate this debt on XX/XX/XXXX and XX/XX/XXXX via USPS Certified mail. I recieved responses from LVNV Funding LLC on XXXX XXXX XXXX XXXX and XXXX XXXX. All XXXX response letters consisted of only billing statements from the supposed original creditor. LVNV Funding LLC never provided me with the necessary proof, such as an original contract with my WRITTEN signature on it to validate this debt. They also failed to meet my requests for proof of licensure to collect within my state, proof that debt collection is within the statute of limitations, as well as Agent 's name and license numbers. I have gone through 3 rounds of validation requests from the 3 major credit bureaus and well as a written complaint to each bureau stating that LVNV Funding LLC has not provided me with sufficient evidence that I'm responsible for this debt. Anyone can simply allege that I owe them money. LVNV has continuously violated my rights as a consumer by reporting inaccurate, invalidated, derogatory remarks on my credit reports and is in violation of the FCRA.
|
| 12/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Hello, To Whomever Concerned the company XXXX add a DEROGATORY remark on my credit report XX/XX/XXXX stating that I owe a balance of XXXX dollars, In which I was never notified of such balance, until I investigated, and researched my credit report. I also do not owe the balance to XXXX, nor LVNV FUNDING LLCXXXX RESURGENT . As Ive never opened an account with the the companies listed above. Or the account that is opened in my personal information are fraudulent. After, investigating my credit report my Findings were that the company XXXX also works as XXXX, In which who sold that XXXX dollar debt to a company named LVNV FUNDINGLLC/RESURGENT. Ive been disputing the inaccurate information since XX/XX/XXXX. I asked the company XXXX to verify the account, Such as date of account opened, when, where, and how. The company XXXX refuses to respond. As for XXXX will not dispute the account directly. Informing me the account is no longer with them as the debt has been brought by LVNV FUNDING LLC/ RESURGENT whos also given me a hard time disputing this account. Without my acknowledgment, nor permission, according to the FCRA laws this is a violation of my consumer rights.
|
| 10/24/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
Recently I have been given a judgement summons to have my paychecks garnished by unknown collection agency called LVNV Funding LLC . Represented by XXXX XXXX XXXX XXXX lawfirm. This lawfirm does n't even have an address besides a XXXX XXXX . When calling it goes straight to voicemail. They seem a bit shady should n't a lawfirm have an address to consult with?? My employer called me on XXXX XXXX, 2016 at around XXXX notifying me of this judgement summons. I was unaware of this suit and have never received any summons to appear in any court. I have XXXX kids, my girlfriend, and her father living with me. I can not afford to have my check garnished in any way. I have also recently checked my credit report with ( XXXX ) and ( XXXX ) along with my XXXX score XXXX of XXXX reports were over ( XXXX ) and nothing about owing anything to LVNV Funding LLC . I will be unable to take care of my family if this action is taken against me. I have also consulted legal consul as well. My employer has helped me draw up a letter to submit to the lawfirm in question, my legal council told me it would be fine. I will also will be sending it to you the CFPB / Federal Trade Comission
|
| 06/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
On XXXX XXXX I received a settlement letter from attorneys for CACH , LLC. It was to confirm the settlement contract we agreed on instead of paying {$2600.00} a settlement of {$1900.00} was finalized. On XX/XX/2013 I called a payment settlement over the phone and received Approval # XXXX. So this should have settled all transactions with this company. However, to date XXXX XXXX I still have a lien on my property by this company. I need this removed immediately. According to NYS courts the following is true : When the Judgment is Paid When the debtor pays the judgment, the creditor must file a Satisfaction of Judgment form with the Clerk within 20 days.
It is filed in the Court that entered the judgment, but if a Transcript of Judgment was filed in the County Clerks office, it is filed there. The creditor must mail a copy of the Satisfaction within 10 days to the debtor and must send a copy to all other counties where a transcript of judgment was filed. If this is not done, the debtor can sue the creditor for {$100.00}.
I am having to go through hoops to get this taken care. Realistically I shouldn't have to if this is their error. Please advise. Thank You.
|
| 07/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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|
LVNV Funding has been harrassing and targeting customers for previously paid debts and suing them even though they have proof the debt has been paid. I paid off a previous creditor, XXXX XXXX XXXX, through a settlement payment in XX/XX/2020. LVNV Funding and XXXX XXXX updated my credit to show that the account had been paid during XX/XX/2020. Today, XX/XX/2020, I received a lawsuit from LVNV Funding for an amount larger than was due although they knew in XX/XX/2020 the account was paid and settled! LVNV Funding claims their client, XXXX XXXX, is behind the suit, but that is not true. I have proof that XXXX XXXX settled the account before this lawsuit was filed. Furthermore, XXXX XXXX even issued me a new credit card in XX/XX/2020, so they showed their agreement with the settlement by doing this and accepting the settlement check. LVNV as attempted to sue me on EVERYTHING that was reported on my credit as bad debt. One time maybe, but 6 is overhaul. I believe that is excessive and shows that they are harassing me purposely. I strongly believe I am being harassed. They are violating the FDCPA. Please check into there collection and consumer targeting practices.
|
| 05/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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LVNV FUNDING LLC XXXX, SC XXXX Mr. XXXX XXXX, President Mr. XXXX XXXX XXXX XXXX, Vice President Mr. XXXX XXXX, Treasurer Fax Numbers ( XXXX ) XXXX Primary Phone Numbers ( XXXX ) XXXX THIS COMPANY IS REPORTING INFORMATION ON MY CREDIT REPORT AND I HAVE DISPUTED IT SEVERAL TIMES. THEY ARE NOT VALIDATING THE DEBT AND I DON'T RECALL RECEIVING ANYTHING FROM THIS COMPANY REGARDING THIS ALLEGED DEBT. A STATEMENT DOESN'T PROVE OR PROVIDE A CLEAR CHAIN OF OWNERSHIP OF THE DEBT. SINCE LEGAL AND PROPER DOCUMENTATION HASN'T BEEN PROVIDED I AM REQUESTING THEM TO CEASE COLLECTION ACTIVITY AND REMOVE THIS ACCOUNT FROM THE CREDIT BUREAUS .A : LVNV FUNDING LLC never then sent a collection letter to Plaintiff that included the required 1692g validation rights disclosure.
B : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract.
C : The FDCPA ( Fair Debt Collection Practices Act ) specifically prohibits a debt collector from using false, deceptive or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e
|
| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
*I am a Victim of Fraud/identity theft *Accounts were open under my name, I have been able to dispute some and some have been deleted by the actual creditor. ( one of them being XXXX ) XXXX XXXX XXXX : {$860.00} Date Open XX/XX/XXXX ( never opened an account with this company ( XXXX Has deleted this account, but XXXX and XXXX have not ) XXXX {$600.00} Date Open XX/XX/XXXX I have sent a 1099-c to the credit Bureau and nothing has been resolved XXXX this account was open XX/XX/XXXX this account is not mine but I PAID FOR DELETION and still shows ( XXXX and XXXX show I have an available balance of {$600.00} and {$1000.00} with {$0.00} balance but at the sametime it show a neg derogatory XXXX XXXX a copy of a letter has been sent from XXXX stating I was never late yet still shows I missed 1 payment on XXXX of XXXX LVNV FUNDING LLC open as identity theft XXXX and XXXX have removed still on XXXX XXXX XXXX, XXXX open as identity theft XXXX and XXXX have removed still on XXXX Inquiries XXXX from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Older American |
|
Dear Madam/Sir, CFPB : Please note that the debt collector keeps sending me letters since : XX/XX/XXXX XXXX and I did respond to all this letters, one letter at the time and before 30 days as per federal Laws. Collection agency wants to collect : XXXX, from an unknown credit card that its not mine and does not belongs to me. The last letter I received from the debt collector was on : XX/XX/XXXX. And I answered the letter on : XX/XX/XXXX. I requested one more time the fallowing legal documentation : 1 ) The Original Application when this unknown credit card was opened, with original signature on the application. 2 ) My Lawyers need original copies of all the Statement from the yearsXXXX, and XXXX, as per Federal Laws. 3 ) My lawyers requested copies of, ALL the purchases, charges, done from : XXXX to XXXX, of this unknown credit card. 4 ) As A client I need ALL the bills and/or receives of this unknown credit card. Also on, XX/XX/XXXX. My Lawyers send the debt collector an AFFIDAVIT. I Respectfully request ALL the above legal information. ITS THE LAW. Thank you for your anticipated courtesy and cooperation in this important matter. Respectfully yours : XXXX..
|
| 08/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
|
| 09/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX has violated FDCPA 809. Validation of debts. The day after they received my response in XXXX disputing the alleged debt they entered false information on to my credit report.
" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. " I have been requesting the signed contract for this account for over 5 months now and they have not been able to produce it because it doesn't exist! They keep showing statements -- - statements do no establish who took out this alleged debt! Where is MY SIGNATURE?? Who took out this debt??? Where?? At this point I consider this harassment and defamation of character.
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SEC 602A States i have a right to privacy.
15 U.S.C. 1681 SEC 604A SEC2 Also states that a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C. 1681 C. ( A ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report by more than 7years.
15 U.S.C. 1681 SEC2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023.
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
|
| 08/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am responding to your letter dated XX/XX/XXXX, regarding CFPB Case # XXXX. While you claim this debt has been properly verified ( which has not ), you have failed to acknowledge that this debt is NO longer legally enforceable based on the Arkansas statute of limitations. As I stated in my original dispute, according to your own account summary : -- The debt originated on XX/XX/XXXX with XXXXXXXX XXXX -- The last payment was made on XX/XX/XXXX -- The account was charged off on XX/XX/XXXX... Under AR Code 16-56-105, the statute of limitations for debt collection in Arkansas is three years. As there has been no activity since the charge-off in XXXX, over three years ago, this debt is time-barred. While you have rights to the paper documentation of this alleged debt, you NO longer have legal remedies to collect on it due to the expired statute of limitations. Attempting to collect this unenforceable debt violates state and federal law. I again request that you cease all collection activity on this account and inform the credit bureaus that this debt is disputed and should be removed from my credit report immediately. Please confirm these actions in writing.
|
| 04/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I would like to complaint a bout this Debt Collectors companyRESURGENT CAPITAL SERVICES L.P., located in XXXX, SC XXXX XXXX XXXX XXXX, phone XXXX XXXX XXXX XXXX. I've been harassed by them since XX/XX/XXXX, in less than a month they have sent me five notifications about an old credit card debt from the year XXXX for {$18000.00}. I haveverified that the Statute of Limitations for enforcing this type of debt through the courts in Texas has expired.Also, in their notifications, they act like they already have contacted me before the first one dated XX/XX/XXXX, which is a lie.
I have been responding to all five notificationsas they've arrived because they keep saying if I don't respond to dispute this debt in 30 days, they'll obtain a copy of judgment. In order for me to respond to them, I've to expose myself ( I'm XXXX years old ) and others to this deadly XXXX XXXX every timeI have to go to print the respond letters, and the Post Officeto mail them.In all my responses I've disputed this debt and I've asked them to stop contacting me at least they want to pursue this matter in court, but they haverefused to do it bycontinuing sending me more notifications.
|
| 06/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I never heard of this company or this debt. I monitor my credit with XXXX and in XXXX XXXX XXXX or so I received notification that this account was posted to my XXXX and XXXX report. The supposed amount owed is {$2500.00} with a company and a d/b/a i have never heard of or done any business with. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
LVNV FUNDING LLC - Has been reporting fraudulent charge to the credit bureau for over 2 Years. I have disputed this charge several times with XXXX and XXXX, and they have refused to remove it from my Credit Report. In the 1st Quarter of 2022 - LVNV FUNDING LLC along with XXXX & XXXX, PC. file a complaint with the XXXX, I responded to the complaint/summons. In XXXX of 2022 - The Court Dismissed the case brought by LVNV FUNDING XXXX XXXX XXXX XXXX XXXX. The case was without Merit, lacking proof and is what the court would consider a Frivolous Lawsuit. The last time I requested for this item to be removed was XX/XX/2022. I have petition XXXX and XXXX to remove the reporting from my Credit Report and provided them with the Dismissal from the Court and still they claim that " Account information disputed by consumer, meets FCRA requirements. '' This is by far the worst credit reporting - If the LVNV FUNDING, LLC - could not prove in a court of law without a shadow of doubt that the Debt is mine, then by a matter of law under the Fair Credit Reporting Act. The negative reporting to my credit profile should stop immediately and be removed from my credit report.
|
| 11/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American, Servicemember |
|
I recently discovered there was a mortgage taken out in my name in XXXX of XXXX. The account information appeared on my home page for the mortgage serving company XXXX XXXX. My XXXX XXXX XXXX account was moved to this new company starting XX/XX/XXXX. I was shocked to see this mortgage appear. Researching the mortgage, I see the account was established on XX/XX/XXXX. The company named on this loan is Resurgent Capital, Resurgent Mortgage Serving. This is the same company I filed a complaint with CFPB, ( # XXXX ), on XX/XX/XXXX. Resurgent was attempting to collect a debt from a bankruptcy filed in XXXX. I explained to the person calling that day that Federal laws prohibit any attempts to collect on a bankruptcy 21 years later is in violation of the law. I asked for the callers name, ID case number, etc. They never came back on the line. So I have a mortgage account, falsely set up using an apartment I rented back in XXXX. We lived there for one year. I have all the supporting documents to show what they did. This is outright fraud. I have asked XXXX to remove this bogus mortgage from their website and they emailed back stating there is no way to remove it.
|
| 01/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I wrote LVNV Funding/ Resurgent Capital Services in XX/XX/XXXX, to have this debt verified or validated. In my letter I stated the document I needed per the law, to validate or verify the debt. I received a letter from LVNV Funding/ Resurgent Capital Services dated XX/XX/XXXX, stating the debt was valid and attached my one bill. No other supporting document was sent. The original contract etc. After 30 days of no other supporting documentation to validate or verify the debt, I sent another letter on XX/XX/XXXX stating that per the Fair Credit Reporting Act Law, since they have not sent any documentation to validate or verify the debt, they must request for deletion from all credit bureaus .I never received a response from the second letter. I then wrote a letter to all three credit bureaus date XX/XX/XXXX, demanding they remove from the credit reports because the debt was not validated or verified and I attached all correspondences from LVNV Funding/ Resurgent Capital Services and myself. As of today, XX/XX/XXXX, I still haven't received any documentation to verify or validate this debt from XXXX XXXX XXXX and they refuses to remove from my credit files.
|
| 12/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I would like to make a complaint against LVNV Funding LLC and XXXX XXXX XXXX. I have sent a request for the creditor collection agency to validate the debt they are claiming. The company in return went and filed a lawsuit against me in Covit-19 and has a pending status on me. They have not responded to my request for debt validation and are still sending me letters to pay a debt that was not verified. Now I am being harassed by lawyers to defend myself against this unvalidated debt. I have also requested the 3 credit bureau to take action to have the debt verified and they just sent me a statement saying that they will not remove it and is updated.
I found this action to be taken against me to be very ridiculous and out of order that I came home to hear that I had police knocking at my door than leaving an orange sticker at my resident door saying this is a civil matter call me. I looked up the code that was listed on the sticker and seen that it was the same company that I asked to validate this debt.
I have also had XXXX XXXX XXXX not verify their debt as well and have taken the same measure with the 3 credit bureau to have this debt to be validated.
|
| 05/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I am currently being sued for a debt threw Lvnv Funding LLC for a apparent debt for a card XXXX a debt that I believe my ex wife took out in my name while she was a girl friend just be for we was married and I gave the attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX phone number XXXX XXXX XXXX the information of who I suspect committed identity theft along along with another credit card paper threw XXXX XXXX that completed an investigation and found no cause of me activation a card threw them and completing there investigation and closing it.Also with suspected ideas of how my information was found to be used from old XXXX tax 's forms and old job applications and they have yet to believe and insist to still proceed with sueing me I have also requested documentation for the activation of the card and something with my signature showing that I was then XXXX that has opened the account as proof that it was not me and it was someone using my information and they have yet to provide such documents so I request for a full and thoroughly investigation to help prove that I am a victim of identity theft please and thank you
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The debt company, LVNV FUNDING LLC ( owned by Resurgent Capital Services ), has purchased debt that they are claiming to be mine.
This company must be under the impression that they are reporting accurate information under my name to the credit reporting bureaus. None of ther accounts that they are reporting to the bureaus are verified or true.
The debt they claim is mine has not been fully verified or validated. I have requested proof of verification and validation of this debt and never received proof of a WET SIGNATURE of mine on a contract between the origin creditor and I to prove that I am liable for this debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
The accounts that are being reported under my name are inaccurate, unverifiable, unvalidated, and it is unlawful for LVNV Funding LLC to report them.
These accounts listed below must be DELETED from my credit reports as LVNV Funding LLC is in violation of the FDCPA and the FCRA : LVNV FUNDING LLC XXXX {$700.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$33000.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$14000.00} XX/XX/ Unverified Account
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I have been trying to get the info corrected on my credit report since XX/XX/2022.
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to LVNV from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at LVNV funding signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased.
I contacted all 3 credit bureaus as well as LVNV funding and I can not get this corrected.
XXXX deleted the LVNV acct after reviewing the documents. However the other 2 XXXX and XXXX just keep telling me they contacted LVNV and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. LVNV transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes 2 seconds to look up on their website but, LVNV will not correct this issue, nor will XXXX or XXXX.
|
| 12/04/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Reporting these collections on my credit report, which is considered to be a collection activity LVNV FUNDING LLC Is reporting and trying to collect on accounts that are closed and are paid in full. LVNV FUNDING LLC continues to report on these tradelines and is in violation of the FCRA, Federal laws and FTC laws and Guidelines. Which are The Fair Debt Collection Practices Act ( FDCPA ) this a debt collector is not allowed and is using unfair practices in trying to collect a debt which is closed and paid in full. Reporting inaccurate data or false data is also a violation of the FCRA. Additionally, any reporting of this debt as valid or true to the credit bureaus when in fact is a false and inaccurate is a violation of the Fair Credit Reporting Act, which allows me to seek damages from a collection agent in this case LVNV FUNDING LLC. As Such, this unauthorized public record information needs LVNV FUNDING LLC needs to delete this tradeline. Non-compliance with FCRA, FTC and Federal laws is also be construed as an absolute waiver of all claims to enforce these debts against me and your implied agreement to compensate me for court costs and attorney fees.
|
| 10/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Good afternoon, I need your help with this issue with 2 collection account with the same company ( Resurgent Capital Services ).
I sent 3 different certified mails ( USPS ), in the las 7 months, getting the same response from Resurgent Capital Services.
I have been asking for the verification of that debt. In all 3 situations, they send me the same response ( attached : copy of an statement which does not represent a valid validation ).
I have been sending letters with this response : " Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. ''
|
| 06/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been contacting XXXX XXXX for over a year to be ignored.They are reporting a fraudulent account opened on or around XX/XX/2016. I have been XXXX in the XXXX Department of Corrections for the past 10 years and have never lived in XXXX, XXXX. I simply asked for an investigation as described in the United States Code Service Title 15, The Federal Fair Credit Reporting Act section 623 ( a ) ( E ) and all sections that the company have failed to provide and I indeed demand this fraud be removed out of my name NOW!!!! I recently have been released and will provide proof that I was indeed incarcerated. The documents will provide my entry date and release dates and I ask that this office make them verify the information I have provided and remove this fraud out my name. I dont have time to be ignored as my previous experiences! I dont have time for them to put me off because it isnt them, keep up office mess first, or just simply not caring any longer because I have had it with them ignoring me. I HAVE NOT AUTHORIZED ANY PERSON TO USE MY INFORMATION NOR DO I KNOW OF ANY PERSON WHO OBTAINED MY INFORMATION. IT WASNT ME AND I WANT IT OUT MY NAME NOW!!!!!!
|
| 10/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Accounts : XXXX XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$630.00} XXXX XXXX XXXX - {$1400.00}
|
| 03/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
LVNV FUNDING LLC has an alleged debt listed on my credit report I don't have a contract with this company at all. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law.
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 05/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I started a mortgage application XX/XX/2021 and was preapproved. Upon receipt of the title work XX/XX/2021, I noticed there was a judgment from LVNV Funding LLC against me. I want to payoff this judgment through the mortgage loan. I first contacted LVNV Funding LLC for the payoff at XXXX. They advised me that the account is now being serviced by XXXX XXXX XXXX and to call phone number XXXX. I have contacted XXXX XXXX XXXX over 10 times trying to get the payoff. The RE attorney I chose for closing my loan has reached out several times as well via email and phone. My loan officer has also reached out several times as well via phone and email. It is now XX/XX/2021 and I still do not have a payoff. Whenever any of us call, they state that are reviewing the file or updating the file and will contact me once it is ready. When I call the LVNV Funding they say they can not do anything but refer it to XXXX XXXX XXXX who is now handling the account. When I call XXXX XXXX XXXX they continuously advise me, the loan officer and my Real estate attorney that they are working on it. It has been over 27 days and they still can not give me the payoff on this judgment.
|
| 05/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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In XXXX, I received two letters from XXXX XXXX XXXX ( both attached ). One states it was for XXXX XXXX XXXX account ending in XXXX for {$710.00} owned by LVNV Funding. The other states it was for XXXX XXXX XXXX XXXX XXXX account ending in XXXX for {$1000.00} owned by LVNV Funding. I did not recognize either one. Both letters state they will accept disputes and requests for more information in writing ( either by mail or the link provided in the letter ) by XXXX and XX/XX/XXXX respectively. On XXXX, I went to XXXX and disputed the debts and requested more information using the form provided. XXXX failed to respond to the requests and instead reported the collection for account ending in XXXX for {$710.00}, which was added to my report on XX/XX/XXXX. I immediately called XXXX to inquire about why my request for validation/dispute was ignored and was told to contact Resurgent. I contacted Resurgent using their website form and got the attached email that I would receive a response from the appropriate department. No response. On XXXX and XX/XX/XXXX, they proceeded to also add a collection for account ending in XXXX for {$1000.00} to my credit reports.
|
| 06/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company is called LVNV Funding LLC who claims to also be another company. They are sharing personal and privacy information with another third company without and authorization. Third company is supposedly called XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX spoke with XXXX who caims hes not violating any laws. My personal information is just that and not permitted or authorized to be shared with anyone. XXXX agreed to accept a settlement amount verbally on a supposedly recorded line then reneged of {$250.00} in two equal installments beginning in XX/XX/2022 and commencing in XX/XX/2022 and then insisted on having me give a stranger critical payment information without knowing if he's legitimate. Payments need to be able to be made on a secure website and not to a person who is a stranger. I want the information to stop be shared and compensation for the breach of my privacy from LVNV Funding. Additionally the agreement for settlement can not be agreed upon and then reneged by XXXX after he decides to not provide a secure type of method for payment of the originally agreed upon settlement. My address is XXXX XXXX XXXX XXXX, NJ XXXX
|
| 05/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
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LVNV collection agency has filed suit against me for a credit card debt. I do not agree with the amount they say I owe. As of XX/XX/2019 I have not received a summons but was notified by an attorney offering his bankruptcy services. I asked LVNV to provide proof of the debt. It was never provided to me as I requested. My debt has been sold to LVNV by a company who owns lVNV and that company is owned by XXXX XXXX which owns LMNV. I dont know who actually owns my debt and I dont believe they have a signed contract from the original creditor. I believe that this agency is using deceptive name changing to validate their proof. I have informed them of my XXXX XXXX and that I am judgement proof and on XXXX for XXXX XXXX. I believe they omitted that information when they filed suit as to not bring attention to my XXXX and my XXXX health status. I believe they are counting on me not showing up to court to obtain a default judgement. I have nothing to place a judgement on. Appearing in court is something I can not do. With the medications I take and my fear of unknown situations it would cause me to suffer a setback in my condition and actually make me ill.
|
| 08/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Sometime in XX/XX/XXXX to early XXXX, I received several collection letters from collection agencies including Resurgent Services, Financial Recovery Services, etc alleging that I owe money from XXXX XXXX XXXX. I did make any loan from XXXX. I immediately called XXXX and was able to talk to XXXX XXXX, XXXX XXXX ( tel # ( XXXX ) and reported the matter. He said the money was disbursed to XXXX. I don't have a XXXX account and he said he will investigate and will call me back. I also reported the matter to the XXXX Police Department where I live and filed an ID Theft Victim 's Complaint and Affidavit. I had them notarized and sent them to these collection agencies together with other supporting documents ( copy of proof of residency, etc. ). I hadn't heard from them since then and I thought it resolved the issue. Lately, I started receiving the same letters from these collection agencies again!!! I called and sent them the document that they asked but they still kept on asking for more information which I believe only XXXX can provide them. This also has affected my credit history and I ask to please help as this is getting a toll on me and my family.
|
| 02/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I noticed on my credit report an errant account for {$720.00} with LVNV ( a collection agency ) I immediately disputed this account with the XXXX major bureaus. However, after having it removed from XXXX, XXXX and XXXX ; I received a letter from a collection agency called RESURGENT capital services responding to my dispute with LVNV. Even on their letterhead they list the " group '' of companies with which they are linked with both company 's names alongside several others.They act as XXXX separately registered business entities in my state. How then are they both allowed to collect the same illegitimate debt through intimidation and coercion?!
My complaint ( s ) : 1. I do not owe this debt 2. These XXXX companies are Re-aging this account by both changing the balance ( $ XXXX {$720.00} ) and occasionally switching it between there XXXX monikers on my credit reports. This has caused me to not qualify for my home purchase and has artificially kept my credit rating low. This has greatly effected my quality of life and financial security.
3. This account was removed from XXXX but re-appeared the next month with a new balance ( $ XXXX {$720.00} )!!!!
|
| 10/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a letter from XXXX XXXX XXXX XXXX stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to Resurgent Receivables LLC and that they will use any information i give them to help collect the alleged debt. The letter goes on to say that I had an account from XXXX XXXX Bank, XXXX. and I allegedly owed them XXXX. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by these organizations and it seems that when XXXX company tries to extort me and are unsuccessful they sale my information to another company and repeat the process. These companies have damaged my credit and defamed my character. I am a consumer and I do no not owe theses companies. I have a right to privacy and these companies have violated my rights. I have previously disputed the Resurgent Receivables LLC account information on my credit report with XXXX, XXXX and XXXX, but the information remains on my credit file.
|
| 12/18/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is phantom debt contrived by a criminal enterprise originally located in XXXX XXXX, NV. This was initially thought to be identity theft but is actually mail fraud. A complaint has been filed with the XXXX. XXXX inspection XXXX. This is report C # XXXX The initial letter dated XXXX XXXX, XXXX was from XXXX XXXX XXXX XXXX XXXX stating that XXXX XXXX had purchased an account from XXXX XXXX Bank for {$690.00} and I now owe this money. This is fraudulent. I have never heard of any of these companies.
XXXX has provided me with the following : XXXX XXXX, XXXX XXXX XXXX XXXX, SC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX Bank XXXX. XXXX XXXX XXXX XXXX, NV. XXXX The next XXXX XXXX XXXX XXXX letters have come from Resurgent Capital Services XXXX. XXXX XXXX XXXX MI XXXX demanding payment and personal information. This collection agency also has many other names and XXXX but no physical addresses.
These are criminal enterprises as can be seen from the internet- XXXX.I have also filed a complaint with the credit agency XXXX XXXX I have not and will not send any money. I have the originals of all letters.
Thank You
|
| 04/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
To Whom It May Concern, I am writing this letter to dispute a alleged collection that has been reported on my credit report as of XX/XX/2023 without proper notification as required by the Fair Credit Reporting Act ( FCRA ). The collection in question is XXXX XXXX XXXX XXXX, and it is listed on my credit report under account number XXXX ( first XXXX ).
I am disputing this collection because I was not notified by LVNV Funding LLC that I had a debt in collections before it was added to my credit report. According to the FCRA, collection agencies are required to notify consumers of a debt in collections before reporting it to a credit bureau. However, I did not receive any notification from LVNV Funding regarding the debt in question.
I am requesting that you investigate this matter and remove this collection from my credit report. I also request that [ insert name of collection agency ] be held accountable for not following proper notification procedures as outlined by the FCRA.
Thank you for your time and attention to this matter. Please let me know if you require any additional information to assist in your investigation.
Sincerely, XXXX XXXX
|
| 06/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
on XX/XX/XXXX I contacted Lvnv funding ( Resurgent ) with a cease and desist and proper validation that the debt is mine. which I have eveything documented they sent me a statement which Is not proper validation any one could get a statement if my mail was a stolen also have been a victim of identity theft I asked them from certain information That the debt is mine. pursuant to 15 USC 1692 a debt collector can only assume the debt is valid. I'm my letter in order for the debt to valid I requested certain information back from them. I was then notified in the mail on the XX/XX/XXXX with a letter from the them stating this is an attempt to collect a debt. when 2 days prior to that they received my cease and desist. which I believe I'm owed for civil remedy from this company. because once a cease and desist Is out all collection activities must stop. as of yesterday this company company uploaded unverified information that is harmful to consumer report which is a violation of 15 usc 1962d. the practices this company is using is unlawful and should not be used. Ive never giving them permission to contact me and they still do even with unverified debt
|
| 12/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I opened account 3yrs again and was late making payments back because I was laid off.But made arrangements with XXXX who was Supervisor at XXXX XXXX XXXX and paid off balance with my tax refund in 2017 and paid balance of {$330.00} which was late fees added and XXXX supposed had closed my account but I found out years later my account was still open and sold to third party.My Identity was stolen and my account through my Credit Union was hacked during the end of 2017 I found this out through my Credit Union and all my accounts was frozen and I had to pay my bank back for the money someone put in my account and took out.Police couldn't do nothing because it was a Scam from fake US Treasury.My credit score has been damaged because of this and I spoke with the Third Party who brought my account and let them know I paid and sent the info to them from XXXX who was Supervisor at XXXX XXXX who I paid for my account to be closed.The company stated I still have to pay them I told XXXX from that company I will not pay No more money when my account was supposed to be closed and the Fact I sent in proof to them and they trying to Scam me out of more money.
|
| 04/06/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
Older American |
|
My wife and I recently applied for a home equity loan at our local credit union and our home was reappraised for the loan. The title company notified the credit union that an abstract of judgment was placed on our property for the amount of {$32000.00}. I notified the credit union that it was not ours but we still got the loan.The credit union gave us the docket number in the Supreme Court of the State of New York , County of XXXX New York. We got a copy of the docket and found it was not ours. It turned out to be my son 's outstanding debt for a camping trailer that he and his fiance purchased, they broke up and within a week she took possession of the trailer, sold it signing his name. The address listed on the docket was his address not mine and of course the social security will be different. The process server served a white female approximately XXXX to XXXX years old at his address. We have not had contact with my son in years and really do n't care where that goes. All I need is to get this judgment off my deed. I know it will go away in a few years if not paid but at our ages we can not wait. I am XXXX years old and do not need this XXXX.
|
| 04/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had 2 credit cards with XXXX XXXX, these were 5 years ago. They were charged off, another company got them, originally Ive was {$500.00} and one was {$300.00}, this collection agency called LVNV went to court behind my back did not serve me that I even had a court date and was successful in gaining a judgement t against me for XXXX and XXXX for a total of {$2700.00}. Not only did they do this but XXXX XXXX sheriff served my bank XXXX and took money from my XXXX XXXX XXXX high school checking account. I called XXXX and complained and they said we served you the paperwork and I said yes you handed me a judgement t that was already signed by a judge but thats it. Its criminal what they did. They have other names too so its hard to track them down. They operate from several states including XXXX XXXX Nevada, XXXX Calif and North Carolina. It has been a nightmare. Im going to be homeless soon if I can not get my credit score up. These are the only debts I have. Im XXXX, have a XXXX XXXX XXXX. Our lease ends in XXXX and Ive tried to apply for rentals and Im not qualified because my score is XXXX because of these XXXX XXXX collectors. Please help me.
|
| 03/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My original date of disputing this account with the credit bureaus was XX/XX/XXXX. On XX/XX/XXXX I contacted the debt collection agency named LVNV FUNDING to advised them that the account they are reporting to XXXX is fraud and does not belong to me, and that I am a victim of identity theft, and asked them to stop reporting the fraudulent account to my credit file and to remove it from my credit file or report it as does not belong to me, so that XXXX can delete it. They advised me to send in documentation such as : Police report with the disputing acct number on it and its origination date. Proof of identity. Tax returns showing my address, and a written letter explaining why I was disputing the item. I faxed all supporting documents to them on XX/XX/XXXX. As of XX/XX/XXXX, LVNV FUNDING reported this fraudulent account back to my credit file with XXXX again. They keep reporting that it belongs to me, when in fact they have no proof it belongs to me. This item has been removed off my credit file with two other bureaus. But for some odd reason, LVNV is reporting that is belongs to me with XXXX. I have been disputing this account since XX/XX/XXXX.
|
| 11/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed this debt with Resurgent Capital / XXXX XXXX twice and in XXXX and XXXX they provided me a " verification of debt '' after asking for a validation of debt. I do not recall " XXXX XXXX '' debt and therefore I asked they provide a documentation showing where this came from and linking me to the debt. All they have been able to do is send me an " internal '' statement and no evidence or burden of proof this debt and amount owed is mine. When I called them today to just say I will pay it to go away they advised me they can not delete it. Why would I pay XXXX for a debt especially when it is scheduled to be removed next year. In addition, if I pay it then the account will update with the bureaus then causing my score to drop. I feel as though I am between a rock an hard place. So, when I spoke with XXXX today and once again asked they provide validation she stated I will need to put it in writing once more. When I asked her what validation they will provide she stated it would be what they provided in the past. How is it that LEGALLY they can fo this??? This is an injustice and is a kink in my consumer rights. Please look into this for me?
|
| 08/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am writing to file a formal complaint against LVNV Funding, LLC regarding their collection activities related to my consumer report. I believe that their practices have been unjust and in violation of my rights as a consumer. I have been receiving collection communications from LVNV Funding, LLC, Resurgent and XXXX XXXX XXXX, whom i have never heard of or had any contract with, demanding payment for a debt that I am not entirely certain about. Despite my requests for verification and validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), I have not received any substantial evidence to confirm the validity of the debt they are attempting to collect. I kindly request that the Consumer Financial Protection Bureau investigate my complaint against XXXX XXXX, XXXX. I believe that their actions have not only been unfair, but also potentially illegal, and I seek resolution and appropriate action to rectify this situation.
At this point I do not know what to do as there inaccurate reporting on my consumer file is hindering by ability to purchase my first home. Thank you for your time and assistance in the matter.
|
| 04/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am writing to request that LVNV Funding remove the negative credit reporting pertaining to a debt they claim I owe in the amount of {$890.00} from all of my credit reports. Despite numerous attempts to contact LVNV Funding by phone and written letters, they have failed to provide the required documentation to substantiate this debt.
According to the New York City Credit Reporting Law, debt collectors are required to provide consumers with written substantiation of any debt they claim is owed within five days of initial contact. LVNV Funding has repeatedly informed the credit bureaus that this debt is valid without providing any of the required documentation. As a result, I have not received any copies of the debt substantiation that I have requested.
Given the failure of LVNV Funding to provide proper documentation, I am requesting that they remove all negative credit reporting pertaining to this debt in the amount of {$890.00} from my credit reports. Furthermore, I request that LVNV Funding not sell this debt to another debt collector without first indicating that this debt has been disputed.
Thank you for your attention to this matter.
|
| 04/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
It appears XXXX XXXX the man acting as CEO of RESURGENT CAPITAL SERVICES obtained this account by way of material misrepresentation, fraud, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and California Penal Code 530.5 PC as XXXX XXXXXXXX XXXX XXXXXXXX XXXX did not legally obtain consent to sale, transfer or disclose any account information with RESURGENT CAPITAL SERVICES company or any other third party ; Additionally, XXXX XXXX XXXX failed to provide the consumer with FULL disclosure regarding their intent to do so. Failure to provide FULL disclosure of material information constitutes unfair methods of competition and unfair and deceptive acts of FRAUD. RESURGENT CAPITAL SERVICES or any other of the company names they try to use DOES NOT HAVE A CONTRACT WITH ME.
XXXX XXXX and RESURGENT CAPITAL SERVICES was sent a AFFIDAVIT OF TRUTH CEASE AND DESIST on XX/XX/2022, and the UNITED STATES POSTAL SERVICES confirmed the Respondent received the above mentioned notice on XX/XX/2022, at XXXX XXXX to which XXXX XXXX and RESURGENT CAPITAL SERVICES did not cease and desist and the AFFIDAVIT OF TRUTH CEASE AND DESIST still remains unrebutted.
|
| 03/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX. I did not recognize the debt, I disputed the debt and asked for clarification. This has gone on for several years with various other collection companies. Most recently, I have received collection noticed from XXXX XXXX, then when I again disputed the claim, I began receiving collection demands from Resurgent Capital Services L.P. Again, I immediately disputed the debt and asked for validation. I received communication from Resurgent " enclosing verification of the debt '' which turns out to be an " Account Summary Report '' prepared by Resurgent, adding their collection costs, and a pamphlet regarding Resurgent 's services, with the notation that I should contact them within thirty days or the debt would be deemed valid. In every correspondence, I have specifically requested verification that I owe the debt, I have told them to cease and desist with their debt collection actions, I have sent them all certified mail, return receipt requested. They have received every correspondence. The amount they are trying to collect is {$340.00}. This has been going on for a few years now.
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is regarding CFPB complaint XXXX. This letter is my final communication regarding your claim that the information below has been verified and that the information being furnished is accurate. I informed you of the clear inaccuracies reporting including the balances and the date last active. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under the FDCPA. If this account is not removed from my credit report, I will be filing a statement of claim to move forward with legal action and compensation due to negligence, mental anguish, and proof of documented violation of the FDCPA.
|
| 11/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022 I received a response from Resurgent, the current owner of LVNV Funding LLC, Reference Id # XXXX in reference to my inquiry regarding the validation and verification of a debt they were trying to collect on.
The collection agency sent a letter providing verification of the debt in the form of a credit card statement listing the original creditor as XXXX XXXX XXXX. Upon my review, I mailed a rebuttal letter disputing the debt and it's validity, as it does not belong to me and the Account Holder is someone with a similar name. Included with my response by mail, I submitted a copy of my state identification confirming my legal name.
The collecting agency as indicated via the FCRA should have responded via USPS Mail within 30 days. However, I received a response dated XX/XX/2022 which was a duplicate of the previous verification of debt in the form of a credit card statement.
I have tried disputing directly with the agency, as well as the XXXXXXXX XXXX XXXX to have the information deleted from my file, as the collecting agency is reporting incorrect information to the credit bureau. However, my attempts have been unsuccessful.
|
| 12/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Resurgent Receivables LLC has provided nothing to show that I owe them anything. I have repeatedly requested for information to prove that the debt is mine but Resurgent Receivables LLC has failed to do so.
I also sent in a prior complaint about this issue and Resurgent Receivables LLC cited the lawsuit they filed against me in attempt to collect this false debt as a reason to not comment on my previous complaint.
Resurgent Receivables LLC is also not authorized to collect debts in my state XXXX XXXX XXXX XXXX This is a violation of consumer law and makes the lawsuit that they filed in pursuit of the alleged debt illegal and non-standing. I attached a list of the authorized states and counties that Resurgent Receivables LLC can collect debt in.
This is what is causing me to write this second complaint to try to get this situation resolved and the debt deleted from my credit report indefinitely.
This process has been very stressful for me and has cause me to underperform at my job resulting in my firing. This has cause a lot of strife in my life and I would love for it to be resolved by having this stain deleted from my credit report.
|
| 05/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
After receive a default judgement from this company on XX/XX/XXXX, I started to do some research and found that the company has filed several small claims law suits on me without proper notification. I recently sent the company a debt validation request and the information that I received was not the proof of evidence that I requested. I request for the company to send me a signed contract or agreement bearing my signature indicating that I agreed to make payment to them or I even owe the debt. However, I did not receive the documentation I requested. I was sent credit card statements instead.
What is more disturbing is I found a court document on XXXX Co. Clerk of Courts website with a signature forgery. I didn't signed this document and has never seen it before XX/XX/XXXX. Nevertheless, someone signed my name to the document and filed it with a court of law. This company has committed fraud against me and I will be filling a complaint with the XXXX and the Office of Attorney General. I am further contemplating contacting a law to represent in a case against this company and it's affiliated partners for unethical and unlawful practices.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On or about XXXX XX/XX/XXXX, I received through mail a letter from Resurgent Capital Services on behalf of LVNV Funding LLC dated XXXX XX/XX/XXXX. The letter stated that they were attempted to collect a debt I originally owed XXXX XXXX XXXX XXXX. I sent a debt validation letter back to Resurgent Capital Services on XXXX XX/XX/XXXX. I never received a response but on XXXX XX/XX/XXXX, I received an email alert from XXXX notifying me that LVNV Funding reported the account as a collection. They never responded to my debt validation request and in their letter to me dated XXXX XX/XX/XXXX, they listed how to dispute and also gave me a suspense date of XXXX XX/XX/XXXX. They didn't give me 30 days to dispute per law although I responded immediately but they also ignored their own suspense because the collection was reporting at least 3-4 days prior to their suspense of XXXX XXXX. This company clearly disregards consumer laws as well as their own internal rules. I deny owing Resurgent Capital Services/LVNV Funding LLC and I also reported the original debt that I had with XXXX XXXX XXXX XXXX as gross income on my XXXX tax return per IRS guidance XXXX
|
| 08/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
i requested the information but i received nothing and they evenually hung up on me. i NEVER received anything in the mail. i also disputed all 3 LVNVFUNDING LLC collection accounts with all 3 credit bureaus and they all removed the collection accounts in XX/XX/2023 but then i was inform today that XXXX and XXXX has put them back on my credit report with no notification and nothing has been sent to me that show /varify or validate theses accounts. i have sent a certifide letters to all that if this can't be varifide /validated and the information/documents be sent to me to remove them from report. i got nothing in response to my request. so they removed the accounds and they sent me a notification on the updated information stateing the collection accounts has been REMOVED from my report. they violated that by putting it back on my report and not sending me any documents to support it being back on my report. i'm requesting that ALL 3 BUREAUS take it off and keep it off of my credit report. by them putting it back on my report it is causing a hardship on me in moving forward in my life. not to mention they all are in violation of the FCRA.
|
| 02/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I pulled my credit report several months ago and noticed Resurgent Capital Services PYOD LLC Reference ID XXXX ( Account XXXX ) is reporting on my all 3 major credit bureaus that I owe {$570.00}. I do not recall doing any business with this company so I sent a letter demanding a copy of a contract with my signature that I agreed to pay you {$570.00}. I received a letter with a account summary from you. I sent another letter stating that you failed to verify that I agreed to pay you the amount above. This last letter I received XX/XX/2021 on a type letter from your company titled account summary report with historical account information from a company I did agree nor authorize to open an account with. This is against the law to report face information on my credit reports. You are required to verify that I owe any monies to you. Verification is PROOF that I owe you. which includes my personal information, including SSN etc and a copy of a contract that I agreed to pay you the amount. Failure ti provide this information is a violation against my rights. I authorize CFPB to do a formal investigate this matter and receive related information.
|
| 10/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2020 I contacted LVNV funding to dispute an entry on my credit report they have listed. I disputed the entry with all 3 credit bureaus as being reported inaccurately previously. XXXX and XXXX both deleted the entries as unable to verify. XXXX repled back that the entry was verified and continued to report the inaccurate information. After contacting LVNV Funding in an attempt to rectify the situation I received a letter from Resurgent Capital Services dated 14 days after the initial letter was received by them, stating that they manage the listed account. I was provided a generic bill that listed an amount and date due. The amount is not accurate. I replied back to Resurgent and cc LVNV stating that the account is not reporting accurately and to provide me with a full listing of the history of the account that verifies the amount they claim. I never received another response from LVNV nor from Resurgent Capital Services. I still have this same account being reported to XXXX with an inaccurate balance and incorrect dates. I have records of all correspondence.I would like this inaccurate entry removed from my XXXX credit report.
|
| 04/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
As a XXXX XXXX resolution I decided to resume working on bettering my credit. While checking my credit reports in mid-XXXX I discovered that a new collection account was added on XX/XX/XXXX in the amount of {$650.00}. It is reporting under the company Resurgent/LVNV Funding. I have never heard of this company nor I have done business with them before. On XX/XX/XXXX I sent this company a certified letter asking for debt validation and a signed contract showing me that this is a valid debt. The company responded on XX/XX/XXXX with a printed statement from Im assuming the original creditor and a letter stating that the debt is valid. Since this was not what I asked for on XX/XX/XXXX I responded to the companys letter with another certified letter informing them that their response was not debt validation. The company has not responded as of today with a signed contract nor did this company provide me a dunning letter before I even contacted them. Had I not checked my reports I would not of known about this collection account. Because of these reasons I do not feel that I owe this debt and want it removed immediately from of my credit reports.
|
| 08/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
LVNV Funding is reporting on my credit report that they own a debt from XXXX Bank XXXX in the amount of {$2200.00} that they are collecting on, I do not owe them anything, the account in question was closed on XX/XX/XXXX. New Hampshire has a three-year limit on collections. They provided false information to the credit reporting agencies that this account was opened XX/XX/XXXX??? They are in violation of 15 U.S. Code 1692E False or misleading representations.
15 U.S. Code 1692 F Unfair Practices 15 U.S. Code 1692 G Validation of Debts 15 U.S. Code 1692J Furnishing certain deceptive Forms 15 U.S. Code 1692 K Civil Liability {$1000.00} per Violation This account is in dispute and a demand for payment is being made by me in the amount of {$4000.00} total for violation of my rights and ruining my credit on these fraudulent accusations and suppling the credit bureau 's with false, inaccurate information, Since this account is in dispute it needs to be removed from my credit report until resolved by law. I am only to be contacted through the mail, any other type of contact will place LVNV Funding in further violations. I reserve all my rights.
|
| 11/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Resurgent Receivables is a third party that was never given written consent from me the consumer to have access to my reports or even report information. Further there is no written consent from me the consumer for them to have had communication with XXXX XXXX XXXX This is a violation of 15 USC 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Resurgent Receivables has committed identity theft and continues to do so as recent as XX/XX/2022.
15 USC 1681c-2 ( a ) a consumer reporting agency must remove/block information alleging to be a result of id theft shall be removed no later than 4 business days
|
| 09/26/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I took out a personal loan with XXXX XXXX XXXX to build my credit. All payments from this loan were made on time. At the time of the loan, I selected the insurance that if my job was lost, payments would be made. Sometime later, I increased the amount of the loan in XXXX, KY. Again, I checked the box for insurance that if I lost my job, payments would be made. All payments were made in a timely manner. In XXXX of 2015, I was laid off. XXXX was notified and I requested that the insurance that I had taken with the loan and paid additional for, to make payments since I had lost my job, be implemented. I heard nothing from XXXX until an amount was reported on my credit report. I have disputed this many times with the credit bureaus but again receive " complies with FCRA '' within a day or so. There isn't anyway that a thorough investigation could be done. Contracts were signed and XXXX should have them on file or they were sold to another company. I may owe a portion of this debt but that would have to be determined from the contract and the insurance that was on the contract. LVNV Funding is reporting XXXX due which is an incorrect amount.
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| 08/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I received a letter from Resurgent Capital Services stating i owe a debt from XXXX for {$21000.00}. First of all, i have no idea what this is about. I sent them a debt validation letter on XX/XX/XXXX. I just received an account summary report/letter from them on XX/XX/XXXX dated XX/XX/XXXX, which basically states the same thing they sent the first time, via mail. Their documents do not give out the full account # as requested to verify any relations to this matter ; just a resurgent reference #.
The statute of limitations on collecting an auto debt in Louisiana is 3years. The listed origination date is XX/XX/XXXX ; Last payment rcvd XX/XX/XXXX ; Charged off dated of XX/XX/XXXX ; Account acquired XX/XX/XXXX. Today 's date is XX/XX/XXXX, which puts this matter 15years well beyond the legal and enforceable timeline.
I would like them to delete my name and information from all of their records, cease and desists from ever contacting me or any affiliation of my name and address ever again, as I do not owe this debt. Doing so will violate laws put in place to protect consumers from shady, illegal and unfair practices & tactics like this.
|
| 09/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I do have account into Collection called LVNV Funding LLC Under Resurgent Capital Services. I owes XXXX XXXX XXXX XXXX. Last year I signed the payment plan to save XXXX mean I will pay XXXX for 24 months on XXXX for installment. About 9 months later I has paid XXXX mean It is left is XXXX on balance. In XX/XX/2019, I called LVNV to see if it is XXXX to ready to pay full but this person at phone told me that balance is XXXX. I told it is mistake and I signed the agreed payment plan for XXXX on 24 months. They said no so I have evidence letter so I did send it to company but they are denied it. I decide to cancel that because they are not honest as their company.
LVNV keeps sending me letter about this. It is not working out for that.
On XXXX I got email from XXXX XXXX that LVNV has sold my account to XXXX XXXX XXXX. Now XXXX XXXX. I got a letter from LVNV that they sold it to Resurgent Capital Service. I don't know why I do have 2 account in different collection. That's why it is furious about communition because I am XXXX. so Now my account is in 2 different collection and I don't feel uncomfortable to have 2 different collection.
|
| 06/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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LVNV Funding/Resurgent scheduled a judgement hearing without my knowledge. Additionally have sent it to XXXX different attorneys in XXXX different states. I found out about the judgement through an attorney advertisement stating a judgement has been filed against me. I have asked LVNV to verify/validate this so called debt I owe under the FCRA Laws and LVNV is unable to rightfully validate/verify what this so called amount I owe. Their false reporting and filing of judgements has caused severe hardships for myself and my family. I have asked them to remove from the credit reporting agencies since XXXX XXXX, 2014. They repeatedly send the same nonsense paperwork stating this has been properly validated. They admitted to sending the judgement to a wrong address they had as my address. This is not my debt I have never lived at the address they say. This company should be reported and stopped from harming the United States public. additionally ruining lives and harming families. Also LVNV is in violation as re-aging the account. Not reporting the accounts to the CA 's each CA report shows the account as different types, dates, amounts etc.
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| 12/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I found out that someone had opened a store credit card in my name only when I ran my credit report and it came up that I was in collection by a company called 'Resurgent/LVNV Funding. Apparently someone got a store card from this store called 'XXXX ' and charged {$51.00} in XX/XX/XXXX. The bills were going to my house in XXXX, which is vacant. I live in XXXX. I never got any bills from XXXX, I called them and they admitted that the bills were coming back 'undeliverable '. Yes - I have no mailbox there. So they sold the debt which went from {$51.00} XX/XX/XXXX to {$320.00} in XX/XX/XXXX ( late fees, etc. I suppose ). So I found this out in early XXXX and filed a dispute with XXXX. I also contacted XXXX, which I am a member. I got no where. I contacted Resurgent on XX/XX/XXXX and they sent me an affidavit, which I promptly signed/notarized and sent back. I followed up on XX/XX/XXXX and again XX/XX/XXXX and spoke to the same person, 'XXXX XXXX and she is still telling me that it is in 'Review '. They tanked my credit score from XXXX down to as low as XXXX at points. I could not get any other credit cards this summer.
How can this be?
|
| 07/03/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I signed a Quit Claim Deed relinquishing all interest in real property located in XXXX, Washington in XXXX XXXX. My then husband, XXXX XXXX XXXX, DOB XXXX/XXXX/XXXX, subsequently filed for individual bankruptcy later the same year. Due to refinancing the subject property during the ex 's bankruptcy proceedings, XXXX different finance companies related to the refinancing put the ex 's bad debts on my credit report because they knew they could not touch him. This is fraud and grounds for a lawsuit. I sent letters to XXXX, XXXX and XXXX demanding they remove these fraudulent debts from my credit record and received a response from LVNV Funding , LLC, one of the refinance companies involved with the ex 's property. They sent me a " verification '' form which they think I will take as a valid, legal debt on my credit record. However, I have been a paralegal for going on 24 years now and I do not fall for things like that. I am drafting a Complaint against LVNV Funding , LLC, all of their affiliates and XXXX XXXX ( the original account holder ) which I will file in 30 days if the fraudulent debts on my credit record are not removed by then.
|
| 08/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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The loan with XXXX XXXX was written off due to XXXX XXXX damage to my property during installation as well as their breach of contract in installing upgraded windows, refused to allow manufacturer to come inspect after installation. Repeatedly ignored emails when trying to rectify the situation, wrote to the owners and attorney and never received a response. The charge was removed from my credit report for years, now all of a sudden LVNV Funding LLC is contacting to collect. They have called my phone so much that I had to block their number, they email me several times throughout the month. Additionally, there are incorrect dates/no dates of the original loan provided. XXXX XXXX has fraudulently reported and sold my personal information to LVNV Funding LLC without my written consent. In accordance with the Fair Credit Reporting Act, this has violated my rights under 15 USC 1681 602 states I have the right to my privacy. I have attached documents showing proof, my emails and letters sent to them of me trying to resolve the issues, as well as documentation showing that LVNV has incorrect/no date of original loan and numerous emails.
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with the original signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
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On XX/XX/XXXX, I received a letter from Resurgent stating XXXX XXXX XXXX XXXX SOLD my personal and private information to them on XX/XX/XXXX and to LVNV Funding LLC on XX/XX/XXXX. Which is a direct violation of my privacy.
15 U.S.C 1681 Sec 602A, states that I have the right to privacy.
15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ).
XXXX XXXX XXXX claims I owed them {$7300.00}, I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ) My personal and private information was obtained and SOLD to other organizations as well such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders.
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Identity theft and did not recognize or gave permission on over 12 closed accounts that are adversely affecting my credit fico score.
DSPUTED FOR OVER 5 TIMES AND NO REMOVAL HAPPENED.
These are the account details : XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDINGXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
B
ased On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have contacted : LVNV FUNDING LLC - 4 DISPUTE LETTERS XXXX XXXX - 6 DISPUTE LETTERS XXXX - 6 DISPUTE LETTERS XXXX - 3 DISPUTE LETTERS I WOULD FIRST LIKE TO STATE THAT LVNV FUNDING LLC, XXXX, AND XXXX ARE FALSELY REPORTING THIS ACCOUNT! I HAVE ASKED FOR THE ORIGINAL INSTRAMENT OF INDEBTINESS ( PER THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ) FROM THESE COMPANIES TOTALING 19 TIMES WITH 4 DIFFERENT COMPANIES, WITH NO AVAIL! THE FAIR CREDIT REPORTING ACT STATES THAT " ALL INFORMATION THAT IS PRESENTED ON CREDIT REPORTS MUST BE 100 % ACCURATE AND THE COMPANY REPORTING SAID INFORMATION MUST HAVE THE ORIGINAL INSTRAMENT OF INDEBTINESS. NONE OF THESE FOUR COMPANIES HAVE PRODUCED A SIGNED DOCUMENT, AUDIO, OR VIDEO OF ME, TAKING ANY OWNERSHIP OF THIS FAKE ACCOUNT! XXXX AND XXXX KEEP STATING THAT THIS IS VERIFIED AND MEETS F.C.R.A, BUT THEY ARE LYING! HOW DID THEY VERIFY IT? XXXX HAS REMOVED THIS FALSE ACCOUNT BECAUSE THEY COULD NOT VERIFY THAT IT BELONGS TO ME! I HAVE PROVIDED PROOF. I HAVE NO AGREEMENT OR CONTRACT WITH LVNV FUNDING LLC, YET THIS IS BEING REPORTED ON MY CREDIT REPORT ILLEGALLY! THIS IS A VIOLATION OF THE F.C.R.A!
|
| 06/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Older American, Servicemember |
|
This company holds four collection accounts under my name for credit card/medical debt. They constantly keep changing the dates of these collections on my account to make them look recent, when in fact they were over two years ago. They also keep changing the name of the collection agency from LVNV to Resurgent Capital Services, back and forth on my credit report with different and more current debt dates of the action ; thereby, keeping these accounts on my credit report with newer dates ( Both LVNV and Resurgent Capital Services use the same address and phone numbers.This is so they will not fall off within the seven years as required. Three of these debts are medically related and I have filed a complaint with the California State Dental Board against this company. I also notified the original creditors as well as the collection agencies of this dispute and filing with the State of California. These were all ignored as well as all my other correspondence with these creditors and collection agencies.I also just recently went through a natural disaster ( XXXX XXXX, XXXX California ) and lost everything. I have a FEMA Number.
|
| 11/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On a recent review of my credit report, I discovered your company XXXX XXXX, XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt They said that everything is verified and accurate to all three credit bureaus but it is Based in there word without any physical evidence. They must produce also produce the above or delete or entry from all 3 credit bureaus.
|
| 10/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX {$12000.00} XX/XX/2022 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX has not provided validation requested several times trough the credit bureaus an directly. I don't know who is XXXX and why are they traying to collect and what and why.
|
| 01/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
In XXXX, I phone XXXX XXXX XXXX Mastercard to close my credit card account. At that time, I was not informed that I needed to submit any follow up written letter to close the account. I assumed that the account was closed much like when you lose a credit card.
Later that year, on the anniversary of my membership, I received a credit card statement with a membership fee of {$100.00}. I assumed that it was in error and ignored subsequent statements because I wasn't renewing the membership.
In XX/XX/XXXX, I received a letter from XXXX XXXX stating that my XXXX XXXX XXXX Mastercard was in arrears. I contacted Resurgent Capital Services to protest and stated that I wasn't going to pay the charge as I didn't want a membership. They stated that I had to have proof that I had called XXXX XXXX XXXX Mastercard to close the account. This is proof I do not have.
In XX/XX/XXXX, I wrote Resurgent Capital Services asking that they resolve the matter and erase the debt. XX/XX/XXXX, I received a letter from Resurgent Capital Services saying that without proof of my closing the account, nothing can be done.
I am appealing to you for help.
|
| 01/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/18, I sent LVNV Funding a written notice of dispute and request for validation of a debt that is being reported as an unpaid collection account on my credit report. Original creditor account number XXXX. As is required by both the FDCPA, the FCRA, and the FCCPA, upon receipt of a dispute and request for validation of debt, the reporting entity is required to conduct an investigation of the dispute, and respond to the consumer within 30 days. As of XX/XX/18, I had not received a response to by dispute or request for validation from LVNV Funding. On XX/XX/18, I sent a follow up letter to LVNV Funding, advising them that they had not responded to my XX/XX/18 dispute and request for validation. It has now been more than thirty days since my second letter, and LVNV Funding has still failed to notify me of the results of their investigation, or to send me written validation of the debt. According the the FDCPA and the FCRA, LVNV Funding must now cease collection activity, and delete the entry from my credit report. I am requesting written confirmation from LVNV Funding that the item has been deleted from my credit report.
|
| 11/20/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company is attempting to collect a debt that I do not owe them. This company is claiming that they know for a fact that I am who owes this debt. I have never lived at the address that they 're claiming that this debt was made. I have asked this company to validate this debt that I owe, but all they have sent me is statements, but this is n't properly validating this debt because anyone can get a credit card in my name if they have the proper information to do so. I have no contract with this company and neither have I ever heard of this company. I ask that this company provide me with an agreement with my signature on it stating that I agreed that this debt is mine. If this company ca n't properly validate this debt as I asked them they should REMOVE this debt from my credit reports. I feel as if I have been treated unfairly because this company is n't trying to properly validate this debt. They simply said that they have provided the documents that I asked for when I never received a copy of an agreement with my signature on it. I will also attach an identity theft report that I filed with the Federal Trade Commission.
|
| 08/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Lawful Notice of Dispute TO : LVNV FUNDING LLC RE : Account Number : XXXX To Agents or Assigns at : LVNV FUNDING LLC I am in receipt of a computer-generated letter from your company dated on or about XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and LVNV FUNDING LLC. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, TX XXXX
|
| 12/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Im really worried that LVNV FUNDING LLC is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX have the right to privacy. LVNV FUNDING LLC has committed infringement upon my consumers right to privacy.
I, XXXX XXXX XXXX never granted consent to LVNV FUNDING to contact me. LVNV FUNDING has/ or purchased my private information without my consent. I never contracted with LVNV FUNDING. LVNV FUNDING is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting.
Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand LVNV FUNDING to validate this alleged debt.
If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports.
At this time I also asked for LVNV FUNDING to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
|
| 05/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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In XX/XX/XXXX, I reported to XXXX XXXX that one accounts had been fraudulently opened in my name on XX/XX/XXXX. XXXX XXXX instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by XXXX XXXX that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from XXXX XXXX that I owe them. XXXXl XXXX is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
XXXX XXXX then sold my account to LNVN Funding. Now I am fighting with LVNV funding and their questionable business tactic. Next, LVNV subcontractors debt account to resurgent Capital services which is both owned by the same company Sherman financial group.
LVNV is violating FDCPA laws! Please investigate LVNV & their questionable business tactic.
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| 03/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received information from LVNV Funding LLC in reference to an account they claim I owe {$690.00}. Ive never conducted business with this company and I sent several validation letters and fact act letter to the company who in turns sends me summaries of bills from a credit card company. I contacted the 3 credit bureaus that are reporting this illicit item on my credit file in an attempt to have it removed. The item is still on my credit file after I sent all three Bureaus the information I received from LVNVFunding LLC., and the item is continuing reporting on my credit report. According to the FCRA rules a debt collection agency must provide a signed contract bearing my name indicating I have conducted business with this company. LVNV Funding LLC refused to comply with the law by reporting this item on my credit file damaging my credit.
I have not heard from this company after my last letter demanding them to produce a sign contract or contact the 3 Bureaus, XXXX, XXXX, and XXXX to remove the items until they have legally verified this debt belongs to me.
I am request CFPB to conduct a full investigation of this matter.
|
| 09/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. I then receiveda rougue email from resurgent regarding a supposed account and howto pay. I never gave nor authorized them to use my email. However i respondeand again disputed thisso calleddebt. They did not send the agreement or contract bearing my signature. They sent a one page state, rnt showing an adress i have never lived at. I again notified them of the areas and disputed requiring the copy or original contract oragreement bearing my signature. I also explained i was a vtivtim of identity theft ack a few years ago and need this to file a new report. They have refused to act. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
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| 07/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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1. I requested a debt validation from this company and have never received documents confirming : A.Ownership of the debt B.Rights to collect C.Rights to sue to collect D.Proper Calculation of outstanding Debt 2. Also : A.Company continues to report unvalidated debt B. Outstanding balance is not correct C. Contract between the original furnisher and me was not provided.
After I did not receive any validation, I filed an AAA ( alternative dispute resolution ) demand to arbitrate. According to the XXXX XXXX Credit Card Agreement ( posted on the CFPB website ), LVNV is bound by the Private Arbitration if LVNV claims the debt and refers to itself as the owner of the debt.
I served both the original furnishing and the LVNV ( through XXXX XXXX ) with arbitration demand.
LVNV ignored this demand and committed fraud by filing a small court claim, while having an open AAA arbitration case.
This is not only a violation of FCRA and FDCPA, but also a court fraud.
In addition, I was never properly served, which is just a worse picture of predatory tactics as " parking the debt, '' which was not at the same time proven to be owed.
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| 08/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XXXX I was reviewing my credit report and saw that there was a debt that I did not recognize as mine. The alleged debt claimed that I allegedly owed {$1100.00}. I wrote a letter requesting validation from XXXX Credit Bureau regarding this alleged debt. However, they did not validate the alleged debt according to the opinion written by XXXX XXXX XXXX of the FTC, nor to my satisfaction. I then wrote a letter to the collection agency, LVNV FUNDING LLC requesting validation of this debt with the same expectations that I wanted from XXXX. They in turn turned the letter over to Resurgent Capital Services. On XXXX, XXXX, I received a brief letter stating the debt was validated by issuance of a preprinted bill. This was not sufficient nor did it meet the FTC criteria. I in turn wrote a letter dated XX/XX/XXXX stating that this did not validate this alleged debt.
Today is XXXX, XXXX, XXXX and I have yet to hear back from Resurgent with any validation to this alleged debt. In addition, they are still reporting this alleged debt without accurate validation.
I am enclosing the information in the above aforementioned complaint.
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| 07/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I HAVE TRIED NUMEOUS TIMES TO RECEIVE MY SETTLEMENT PAID LETER FRO LVNV RESURCHANTS CAPITAL XXXX WHICH HIRED AN ATTORNEY XXXX XXXX XXXX TO COLLECT THE DEBT. I SETTLED THE ACCOUNT WITH THE ATTORNEY. THE ACCOUNT WAS REMOVED FROM MY CREDIT REPORTD AND ALSO REMOVED FROM ANY JUDGEMENTS. HOWEVER RESURGENTS CAPITOL REFUSES TO ISSUE ME MY SETTLED IN FULL LETTER 3 TIMES WHEN I CALLED THEM IN XXXX EVEN THOUGH THEIR OWN ATTORNEY HAS RELEASE OF ANY OBLIGATION From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2020 XXXX AM To : XXXX XXXX XXXX Subject : XXXX : XXXX matter # XXXX I JUST CONTACTES RESURGENTS CAPITOL AND THEY STILL REFUSE TO ISSUE MTE A SIF LETTER AND REPORT THIS TO MY CREDIT REPORTING AGENCIES BECAUSE THEY STATE THAT YOUR FIRM STILL DID NOT RELEASE MY INFORMATION TO THEM WHICH INTIL THEY DO THEY WILL NOT ISSUE ME ANYTHING AND THEY REFUSE TO CONTACT YOUR FIRM TO VERIFY THIS INFORMATION. I HAVE PAID AND DID MY JOB TO SETTLE THIS I SHOULD NOT BE GOING THRU ALL THIS AGGRAVATION FOR SOMETHING I TOOK CARE OF. I SENT A COMPALINT TO CFPB AND THE FTC BECAUSE NOTHING ID BEINF DONE TO RESOLVE THIS MATTER WHICH I HAVE DID MY PART TO FOLLOW.
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| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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I have a derogatory report from a corporation by the name of LVNV FUNDING LLC. I have no business with this company. I'm not sure who they brought my information from, but this is violating me in numerous ways. My personal information have been shared without my consent, as well as this corporation reporting to various credit bureaus negative information causing me hardship.
They are reporting several times to these credit agencies for different amounts, and under different addresses. This is a tort cases, as well as they are violating my civil rights.
These corporations not only try to destroy your character ; they try to put a strain on your livelihood for profit. These practices are illegal, and we as consumers suffer the consequences of their actions. these debts are already paid through our Cesti due trust.
The Federal Government took our lawful money out of circulation in XXXX but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar
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| 02/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX XXXX put 2 debts on my credit report that were not mine. The accounts had been placed on my account back in XXXX and still on my credit report to this day. When I actually started to dispute the items, the name on both accounts were not mine. Our names were simular, ( my name, XXXX XXXX XXXX ), ( her name, XXXX XXXX ), I found out later that XXXX sold the account to Resurgent. So, I contacted them over and over about the situation. I disputed over and over again with resurgent. Once I laid out the foot work as to how the accounts suddenly appeared on credit report, Resurgent LOCKED ME OUT OF MY COLLECTION ACCOUNT. But, before they did, I wrote down the individual 's information. I immediately wrote to the individual to make her aware of the circumstance.I told her that she needs to rectify the situation or I will be reporting the incident to the police, ( which I did because she never replied ). I again tried to get into the acccount with Resurgent, they still had me locked out. So I told them of the steps that I was taking due to the fact, that they had ruined my credit since XXXX and that I will be suing them.
|
| 11/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I received notification of a debt that I did not recognize, from a company I did not recognize, with an amount that I did not recognize, on XX/XX/2022. I responded to the letter within 30 days on XX/XX/2022 through certified USPS mail, disputing the amount of the debt and have not received any information about this collection statement. The collection company, LVNV FUNDING LLC, not only reported the debt on my Credit report on XX/XX/2022 without responding to my dispute, they also reported false information on my XXXX and XXXX credit report, and did not list the alleged account as disputed.
On XX/XX/2022, LVNV FUNDING LLC, reported incorrectly to XXXX and XXXX that I " opened '' an account with their organization on XX/XX/2022, when I didn't even learn about this information until XX/XX/2022. As I mentioned, this information was disputed through certified mail, copies are available, and there is also no mention of the account being disputed on my credit report. I have also disputed the amount of the alleged debt and they are therefore, violating credit reporting laws stating incorrect information on my public records.
|
| 06/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given LNVN Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LNVN Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LNVN Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LNVN Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 07/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018 I sent a letter to who I believed to be the owner of the debt in question to validate said debt. Creditor responded by sending a " account summary report '' as opposed to what is required by law.
On XX/XX/2018 I submitted letters to all three credit reporting agencies demanding that they remove the account attached to " XXXX XXXX '' from my credit report as inaccurate. I disputed this report because ( 1 ) the listed owner of the debt did not accurately reflect the entity attempting to collect the debt, and ( 2 ) the entity collecting the debt did not provide adequate information under FDCPA because they did not submit a signed copy of the contract from the initial credit provider. Subsequently, the account was removed from my credit report.
However, about a month later, the debt was recertified on all three credit reports. I sent another letter to the entity that was attempting to collect the debt requesting that they verify if they were the owners of the debt, and if not, to cease and desist attempting to collect. I again was sent an " account summary report '' with no response to my further questions.
|
| 04/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a debt with XXXX XXXX XXXX for two charged off credit card accounts. I settled directly with XXXX XXXX and paid them directly. On XX/XX/XXXX I entered into a payment arrangement and settlement agreement with XXXX XXXX directly to pay the amount over 3 payments. I initiated the first payment on the same day. XXXX XXXX submitted my file to LVNV Funding a collection agency, on XX/XX/XXXX according to my XXXX XXXX credit report. The debt was paid in full on XX/XX/XXXX and yet the initial {$930.00} balance is showing as still outstanding on all three credit reporting agencies. I've disputed the collection with all three bureaus and with the company itself on XX/XX/XXXX and again today. I was told that the previous disputes were input incorrectly and they'd look into it. They asked me to call back within a few days and they'd hopefully have it corrected.
This incorrect reporting has damaged my credit for over a year and it seems willful from LVNV that they knew the debt was paid, and were still trying to collect on an already paid debt while using the pressure leverage of reporting false data to XXXX, XXXX and XXXX.
|
| 09/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I obtained my credit report and realized that a collection agency was reporting a debt I had no knowledge of. I attempted t dispute the debt with credit bureaus however the debt was verified as belonging to me. I decided to exercise my rights according to FCRA and request validation of the debt with the collection agency via certified mail. The collection agency Resurgent Capital responded to my debt however they reported inaccurate information. Please see attach documents and notice that not only does their amount that they are attempting to collect doesn't match the statement they provided as " debt validation '' but it also doesn't match the debt or creditor that is being reported to credit bureaus. Also, the validation of the debt they provided has also expired due to the Statue of Limitation! I disputed this account with all bureaus and they all verified that XXXX/Resurgent verified this account as being accurate therefore for them to provide mismatched and inaccurate information supports their knowledge of reporting inaccurate and false information according to FCRA 623 ( a ) ( 2 ) ( B ) this is a major violation.
|
| 09/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I Opened A Credit Card With XXXX. Used The Card, Paid, Used It Again, And Tried To Pay It Off... The Gentleman In The Call Center Refused To Take A Payment, I Asked For A Supervisor, He Hung Up On Me. I Kept Calling Back, Trying To Submit A Payment, Again They Refused. I Caught XXXX XXXX, Lost My Job Due To Closures, And Couldn't Pay The Bill. I Made Contact With The Company, They Informed Me That The Bill Was Going To Collections, Despite My Continued Efforts All Fall & Winter To Pay It. When The Pandemic Was The Worst I Checked My Score Randomly And Saw A New {$600.00} Bill On My Report, Not Recognizing It I Did Some Digging & Found Out That It Was The CreditOne Card. Under The Name Of LVNV Funding LLC. They Doubled My Credit Limit And Slapped That Total On My Report Plus A Few Dollars. I've Tried Talking With The Company, I've Tried Disputing It. All I Receive Back Is A Statement That The Information Is Correct, It Is Most Certainly NOT Correct. Unfortunately I Lost My House, Almost XXXX, Then My 3Br Townhouse & Surrounding Complex Was Sold To A Golf Course And Every Document I Had Is Gone. Everything I Had Is Gone.
|
| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted XXXX XXXX and Resurgence today XXXX around noon with an attempt to understand why I received a court summons to go to court on XXXX. I should not be going to court over a fraud account. I sent documents requested by the Fraud Department with XXXX XXXX on XXXX via email to Resurgence certified mail on XXXX. I have been awaiting a response from XXXX. Today after talking to XXXX at XXXX, I realized that there is another email that I could follow up with XXXX on. I forwarded documents to that email. Resurgence told me that CACH LLC recalled the debt allegedly owed by me. Instead of correspondence from Resurgence and/or XXXX XXXX, I received a court summons letter from CACH LLC filed on XXXX at XXXX XXXX at the XXXX XXXX with no court date or time. There was a request for a substitute appearance. This is not my debt or responsibility to be sent to court. I also do not have a good number on CACH LLC ; Resurgence would not give me the number to CACH. I have not heard of or even heard from CACH LLC. I sent all documents and CACH LLC recalled the debt for a reason I do not understand. This is not my debt. Thank you.
|
| 02/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I was contacted via mail and was given the option to settle my debt from XXXX XXXX for {$460.00}.
I am unable to pay them nor will I for the following reasons : 1 ) they were double and triple dipping into my bank account then sending the checks back as fraud because they claimed to have no knowledge of me having a bank account 2 ) I paid them for months but never had any money put back on my card 3 ) my credit cards from XXXX XXXX XXXX and XXXXt XXXX were stolen and when I called to cancel the cards I was brushed off with Snyde comments and then was told that my account was closed due to lack of payments and that they couldnt protect my security by closing my full account, yet am still being billed via phone for over {$80000.00} when I only owe just over {$3000.00} then when I called to complain about this the same man who was asking for {$80000.00} said that they were not aware that this was going on.
4 ) because of their double and triple dipping into my accounts and irresponsibility they now owe me a total of over {$300000.00}.
5 ) I was moving last year when they called to threaten me over a fraudulent amount
|
| 11/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
I opened an account approximately XX/XX/XXXX with XXXX XXXX for a XXXX credit card. After having a plethora of difficulty making my monthly payments on line, absolutely no success with customer service and being charged a fee to make payments over the telephone, I closed the account. I was double billed for the {$100.00} annual fee and was still unable to get any assistance from customer service. My wife filed Chapter XXXX Bankruptcy on XX/XX/XXXX which included the XXXX XXXX XXXX card due to her being a co-signer on the card. On XX/XX/XXXX XXXX XXXX sold the account to XXXX XXXX, XXXX and I received a letter from XXXX XXXX XXXX on XX/XX/XXXX. After explaining to XXXX XXXX XXXX the XXXX XXXX XXXX card was included on my wife 's Chapter XXXX, I have not heard from them again, but XXXX Funding is being reported as a derogatory mark on my XXXX, XXXX and XXXX credit report. After repeatedly calling XXXX XXXX for over 4 to 5 months, I finally spoke with a supervisor, and she stated she would correct the error, to no avail. Nothing has been done from XXXX XXXX and when I call them, I am either placed on hold or disconnected.
|
| 08/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
" I, XXXX XXXX, am writing to express my concern about the actions of LVNV FUNDING. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give LVNV FUNDING permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that LVNV FUNDING is engaging in extortion by reporting on my credit for this alleged debt. I am requesting that LVNV FUNDING remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably. ''
|
| 06/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This company has been reporting on all 3 credit reports an account I'm unfamiliar with dating back to XXXX, they added a bogus address to my credit report from a different state I've never lived in I contacted the credit bureaus who said the address was added by the collection agengy and its fraud if I've never lived in a different state I've uploaded proof of address and license to all credit bureaus. They also changed ny DOB from XXXX to XXXX which was disputed by XXXX by providing proof of my license and passport. After disputing the illegal address this company is now changing the balance on this bogus account started to increase by {$1.00} now they increased this old account by {$5.00} which is destroying by XXXX score. I'm a XXXX XXXX who pays all my bills on time and have only lived in NY my whole life, I have never lived in NJ as this company has added this bogus address it is illegal for me to live out of state and be a XXXX XXXX. I see this company is involved with several class action lawsuits for similar occurances please help me and get this fraudulent collection agency from doing illegal credit reporting
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
LVNV FUNDING LLC is in violation for stated codes below. Company has no permissible propose to furnish my consumer report according to the FCRA. None of the permissible proposes provided below are reasons that company is providing my consumer report to other CRAs.
The FCRA prohibits CRAs from furnishing consumer reports except for certain permissible purposes, Section 604 ( a ), 15 U.S.C. 1681b ( a ), and prohibits persons from obtaining consumer reports for any reason other than those permissible purposes, Section 604 ( f ), 15 U.S.C. 1681b ( f ). Additionally, a user must certify truthfully that it is obtaining the consumer report for a permissible purpose. Section 604 ( 1 ) ( 2 ), 15 U.S.C. $ 1681b ( 1 ) ( 2 ).
33. The FCRA restricts requests for consumer reports to the permissible purposes enumerated in Section 604 ( a ), 15 U.S.C. 1681b ( a ). Pursuant to the limitation in Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ) : " A person shall not use or obtain a consumer report for any purpose unless..
the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished.
|
| 05/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a second credit card with XXXX XXXX bank that was opened fraudulently without my permission or consent. The first XXXX XXXX was discharged in court. The documentation on that card was being sent to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. I NEVER lived in XXXX. The collection agency, XXXX XXXX removed it from my credit report. Additionally it was discharged and removed from all credit agencies. This is a second card from XXXX XXXX Bank that was opened in my name fraudulently. When this second card arrived to my Virginia address with XXXX XXXX, I assumed it was a replacement card, I NEVER used it. I kept this card without knowing that the card was a second account opened separately and fraudulently. I NEVER CHARGED ON THIS CREDIT CARD, AND NEVER AUTHORIZED ANYONE TO USE THIS CARD. The address was changed and I never received any bills nor any goods or services because all billings went to the same address in XXXX Florida. I worked on my current job over 23 years and have a proven track record of employment, home ownership and utility bills in XXXX XXXX. All of which I provided to the collection agency.
|
| 07/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
This debt was originally with XXXX XXXX XXXX in the amount owed of {$920.00}, however this debt was turned in with a debt consolidation company of XXXX XXXX XXXX in the year of 2017. XXXX XXXX does know this because the consolidation company has already maintained a settlement in place. Even though a settlement has been reached, XXXX XXXX sold the debt to Cach , LLC, who tried to collect the debt but it was too old so now Cach , LLC has sold the debt to another collection agency by the name of Resurgent Capital Services, L.P.. This Resurgent Capital Services company has sent me correspondence asking me to pay this debt, however I have mailed them a letter letting them know that this has been originally turned over to a debt consolidation company.
It should be against the law for credit agencies to purchase old debts from other collection agencies, and so forth. Once the original debt has reached the statue of limitations, the original credit card companies should be held accountable and fined for selling the debts continuously to other parties, 2nd and 3rd parties sometimes 4 parties. Please help with this creditor.
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
As of XX/XX/XXXX, LVNV Funding LLC, has been reporting inaccurately and violating my consumer rights. First, I do not have a signed contract with LVNV Funding. It is also reporting as open on XX/XX/XXXXXXXX which means it is re-aged and is a violation of the Federal Credit Reporting Act. Furthermore, my consumer rights were violated which states per 15 USC 6802 ( b ) ( 1 ) ( B ) that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. No consent was provided by this company. Lastly, LVNV Funding LLC has also violated consumer law 15 USC 1681b ( a ) ( 2 ) Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations. Again, no consent was given to this company.
|
| 04/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Lvnv funding LLC I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
|
| 06/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX LVNV Funding, LLC filed a civil action against me for an alleged credit card debt. On XX/XX/XXXX the case was dismissed without prejudice by the courts, which required LVNV to enter disputed information on my credit report regarding the civil case. I reviewed my credit file each month from XX/XX/XXXX through XX/XX/XXXX and they did not update my file so I filed a complaint with the credit agency to have the debt removed for violating my rights of fair credit reporting. I filed a complaint in XXXX and in XXXX but the credit agency did not remove the reporting so I decided to file a higher complaint against them. Because of this LVNV reporting on my credit report I was denied a student loan for my son even through an appeal.
LVNV and XXXX have both denied me my right to have accurate information on my credit file and caused harmful information that was reviewed by a creditor resulting in denial of much needed funds for my child 's education.
I have attached a copy of the civil court decision as well as the pages from my annual credit report dated XX/XX/XXXX indicating no disputed notations from LVNV.
|
| 11/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Around mid XXXX XXXX Resurgent Capital Services email and later a ltr. to me stating I owed a debt in the amount {$2900.00} for a credit account that was originally w/XXXX. It states this amt. was owed as of XX/XX/XXXX. I have never had an account in my lifetime w/XXXX. I disputed this account first via email, then because the company continued to contact me I sent a certified registered letter stating I officially dispute this account and indicating I have never had an account with this company and felt it could possibly be a case of identity theft. I requested Resurgent to provide a copy of the original contract with XXXX showing the original signature on the contract. The company did not provide this document, only a letter showing the account summary. I pulled & printed out my credit report and there is no place on the report showing an unpaid account or balance with XXXX or any other creditor. I did receive ltr from company titled XXXX XXXX XXXXXX/XX/XXXX, stating a recent cybersecuity incident involving my personal infomation was disclosed. But I have never at anytime had an account for credit card with XXXX.
|
| 05/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX XXXX claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with LVNV Funding, LLC, c/o Resurgent Capital Services L.P . I DID NOT ASK for it nor are they privy to contract with me. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX has been negatively reporting on my credit report for 1 YEAR and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE LVNV Funding, LLC, c/o XXXX XXXX XXXX L.P. and original creditor anything.
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| 12/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I refuse to pay any debt to LVNV FUNDING LLC account # : XXXX, XXXX, XXXX, XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language.
There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of XXXX compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ).
I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States District Court XXXX XXXX of North Carolina.
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| 03/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I had a delinquent debt with XXXX. My account is now with LVNV, Resurgent, XXXX- these are all it 's name. My problem is not that I owe the money. My problem is that I do not have sufficient enough information to pay the bill online. I received a letter on XX/XX/XXXX. I called today to receive another letter in the mail to confirm that they still have my account. The CSR was polite and said they would send out another letter. The problem is that the CSR gave me another number for my account ID and another account number. I was told that these were the correct numbers. I went to the website to see about making a payment and the website tells me that these numbers are not valid. The account number and account ID numbers are not correct on the letter from XX/XX/XXXX either. I do not understand how I am supposed to pay this bill, when I can not access it online. I keep receiving incorrect information. The company has reported me as of XX/XX/XXXX. My credit score has taken a serious blow. It dropped from XXXX to XXXX. I really want to fix this problem and my credit score. Please help me or direct me to someone who can.
|
| 04/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
Servicemember |
|
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640.
As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by LVNV FUNDING. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.
Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
|
| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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XXXX, XXXX and XXXX XXXX, sends out letters on company letter head as law firm, they are debt collectors who go to court for other companies. But how do they own the debt and why do they appear to the individual as the attorney for the Plaintiff when they are debt collectors. They sign each letter but if you read the end it states we are a debt collector any information will be used for that purpose they do not do Debt Validity. When you call you never get through, I was a victim of Identity theft. Yet I have to send that affidavit to an entirely different company that is not even on the Docket. It is very confusing. This company is practicing Unethical practices to try to Bank Levy or do Wage Garnishment. They can not be the attorney and the debt collector for the company who is suing. I have been through financial turmoil because of this company. I am not the only one, I believe they try to get all old debt and then go to court as the Attorney and the Debt collector. Who owns the debt the Plaintiff the law firm, XXXX XXXX XXXX XXXX should not accept these lawsuits or practices from this Firm as it is unethical.
|
| 11/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The company listed below is reporting fraudulent information stating that I have a collection account with them. I have no collection account with any company and they are harming me financially, not only that, they are stating I owe something as of XXXX of this year, XXXX review of my credit profile will show that I pay my creditors off almost completely every month. They have also not communicated anything to me but has heisted my credit profile in what appears to be extortion, my credit cards routinely run over $ XXXX and I pay them off in full, I certainly owe this fraudulent company nothing, I'll also include that my phone number has not changed in 21 years. I don't know who these people are and I certainly don't owe them anything this issue has dropped my credit score by XXXX points and I owe them nothing, my credit file has been in good standing for years and I owe no company anything.
RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$940.00} past due as of XX/XX/2023.
Status updated XX/XX/2023 XXXX {$940.00}
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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There is a collection account on my credit report from XXXX XXXX XXXX. The original creditor is Capital One. XXXX XXXX XXXX is reporting that the account is still open, and reporting that it was opened in XXXX of XXXX. Both of these are inaccurate information as that account has been closed since XXXX. They are still making reports to the account, latest report was XX/XX/XXXX for an account thats been closed for almost 2 years. I submitted MULTIPLE disputes to XXXX, XXXX and XXXX and stated that i NEVER had an account with Capital One from XXXX of XXXX. XXXX deleted the account from my credit report. XXXX and XXXX did not. The FCRA states that information on a credit report has to be reporting accurately or it has to be deleted. XXXX and XXXX has refused to delete. If this account is not taken off of my credit report I will file a lawsuit against XXXX, XXXX and XXXX XXXX. XXXX XXXX has MULTIPLE reviews about them re-aging accounts so they dont fall off of your credit report. This is illegal and bad business practice. XXXX and XXXX have a legal requirement to remove falsely reporting information and have refused.
|
| 10/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I, XXXX XXXX, NATURAL PERSON, contacted Resurgent capital VIA TELEPHONE at XXXX at XXXX XXXX, XX/XX/2022. I spoke TO a YOUNG LADY NAME XXXX AND A SENIOR CUSTOMER SERVICE REP. NAME XXXX. THEY STATED THAT THEY CANT DISCUSS ANYTHING WITH ME BECAUSE I PLACED A CEASE & DESIST ON THE ALLEGED ACCOUNT. THEY SAID AS OF XX/XX/2022, THE CEASE & DESIST WAS PLACE ON THE ALLEGED DEBT. THAT MEANS ALL COMMUNICATION HAS TO STOP EVEN ON MY COSUMER REPORT. ACCORDING TO 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. IN ADDITION TO THIS DEMAND PURSUANT TO15 USC 1681a ( d ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for DELETE IMMEDIATELY
|
| 04/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
|
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So, XXXX XXXX illegally sold my PII and I have reason to believe these accounts were fraudulently opened by someone a in their XXXX operations. I call LVNVs toll free number and am connected to someone in XXXX. Why is my PII in a foreign country without consent or knowledge? Why do you continue to outsource positions that involve PII to oppressed countries where people are begging for opportunities to assume someone's identity and move to this country? XXXX then sold my account to someone named XXXX XXXX and XXXX. Ive NEVER had any business with any of these companies and only learned about it when I was harassed at my personal residence for a month and a half. I do not open my door unless previously announced for safety reasons. Why does my ex husband now have my address since XXXX XXXX sent my PII, unsolicited through unencrypted email. Nobody has provided proof that the letter was even sent. Where's the receipt from USPS mail confirmation receipts? I called every single merchant on the bills and not a single one could provide me any signatures on these accounts. XXXX XXXX has failed to provide me a signature.
|
| 03/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
|
|
I OBTAINED A CREDIT CARD FROM XXXX XXXX XXXX BACK IN XXXX OR XX/XX/XXXX, THESE PEOPLE KNEW THAT I WAS ON XXXX XXXX XXXX PAYEMNETS, ANYWAY THEY SENT ME A LETTER DATED ON XX/XX/XXXX STATING THIS DEBT WAS REPORTED CLOSED AND THEY REPORTED TO CREDIT REPORTING AGENCIES AS " CLOSED WITH A XXXX BALANCE '', THEN THEY SOLD THIS ACCOUNT TO A THIRD PARTY VENDOR BY THE NAME OF RESURGENT CAPITAL SERVICES WHO DECIDED TO TAKE UP THIS CLOSED ACCOUNT AND HAS CONSTANTLY HARRASS AND THREATEN ME WITH PENDING LITIGATIONS AS I STATED TO THEM I ONLY RECEIVE XXXX BUT THEY DID NOT LISTEN AND STILL I RECEIVE HARRASSING PHONE CALLS, LETTERS, POSTCARDS AND THE LIKE WITH THREATS OF LEGAL ACTION, I WAS REFERRED TO THE '' HELPS NON-PROFIT LEGAL TEAM '', AND THESE COLLECTION PEOPLE STILL DISREGUARDED THESE PEOPLE 'S ATTEMPTS TO MAKE SURE THEY KNEW I WAS ONLU ON XXXX BENEFITS AND THEY COULD NOT RECEIVE ANY PAYMENTS .THIS CURRENT THIRD PARTY VENDOR ADDRESS IS XXXX XXXX XXXX XXXX XXXX MI XXXX AND ALSO RESURGENT CUSTOMER SERVICE CENTER XXXX XXXX XXXX XXXX XXXX SC XXXX THEIR TELEPHONE NUMBER IS XXXX ( XXXX ) XXXX OR XXXX ( XXXX ) XXXX FAX NUMBER.
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
15 U.S. Code $ 1681c- 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days in counting and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of accounts listed IMMEDIATELY!
LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In reference to case # XXXX. Again, I am requesting VALIDATION not VERRIFICATION. A bill or statement does not prove that I owe this Debt. I want you to show me contract with the original creditor and/or resurgent with with my wet signature binding me to this debt. I have never did business with you so you should not be contacting me. I have a right to privacy, according to the fdcpa and fcra. you contacting me and saying something I don't know is harassment. I don't have an obligation to pay anyone that I do not owe. I am demanding that information. In addition, according to 15 USC 1681b ( a ) ( 2 ) permissible purpose, I have never given resurgent or the supposedly original creditor any written instruction to furnish anything on my consumer report. Please send me proof of that with my written instruction and my signature. You claim that you enclosed the original contract with my signature but I don't see it. I am not requesting verification, I want validation. If you cant prove this to me you need to cease collection. I don't want to see a bill/statement I want to see an obligation connecting me to this debt.
|
| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the LVNV funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
As I have explained I had NO knowledge of this account and LVNV funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.
|
| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to LVNV FUNDING which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2021. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all XXXX credit reporting agencies or I will have no choice but to forward this to my litigation attorney.
|
| 02/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In the letter attached, there is no original proof of the last payment on this account for XXXX XXXX. Anyone can alter the actual dates on any given note ; including debt collectors, companies, etc.
As the FCRA states and estipulate, I need a re-investigation. First of all, because LVNV Funding LLC, is altering the original dates without actual proof of the contract. According to the note presented by XXXX themselves and/or XXXX.
CFPB please look at the attached document. I have no use talking to this XXXX company anymore. According to the FCRA : Account information disputed by consumer meets FCRA requirements, explained on my credit report.
LVNV is not following the law of the state incurred, there are many discrepancies on the dates without proof and the court dismissed the case.
I will process a lawsuit against LVNV for damages, and misinformation of character, my lawyer will get in deep with this collection company soon if there is no resolution. I am completely tired of dealing with them, without no agreement. Last time I am requesting this LVNV remove the XXXX XXXX account from my credit report.
|
| 07/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Not only do I dispute this debt, but the debt collector, LVNV Funding, and their attorney, XXXX XXXX, with XXXX & XXXX in XXXX, AZ apparently obtained a judgment against me without my knowledge and without verifying the debt, and then proceeded to locate an individual with a similar name, contact her employer, garnish her wages, and in the process provide her with enough information about me ( including my name, SSN, supposed debt amount and creditor, etc.. ) to track me down and harass me via social media, blaming me for the supposedly mistaken garnishment.
Since the garnishment was squashed by the court, the debt collector has sent yet another a letter outlining specifics about both me and the debt to another unrelated third party and has increased the total supposedly owed.
It is unacceptable given a. ) it's not my debt, b. ) they didn't contact me before obtaining a judgment ( or contacted the wrong person ), c. ) they released very personal, identifying information about me and my supposed debt to a stranger who proceeded to harass me, not once but twice, and d. ) they have not stopped their efforts.
|
| 11/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I believe LVNV purchased my credit card debt from XXXX back sometime ago. But, they will not provide evidence that the actually purchased the debtor such as purchase agreement and contracts evidencing that they purchased my debt from XXXX. In XXXX2015 LVNV attempted to garnish my bank account. My bank notified me and out of scarcity I contacted LVNV and agreed to pay them. But, I asked them to provide evidence that they now have my debt they have failed to do so. I have been paying them for the last two years and I do not want any mix up regarding this debt years later and XXXX come back requesting that I pay them when LVNV is attempting to collect on this debt. I need verification that they actually own my debt such as contract agreement and letters transferring from XXXX to LVNV. I am aware that there is a law in Texas that prohibit a debt collector from garnishing bank accounts. Please provide documentation that XXXX is no longer the debt holder of this loan. I have received threatening letters and bank garnishments from LVNV with no proof that they have my debt. I would appreciate any help you can give me
|
| 04/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American |
|
This company LVNV has brought a lawsuit against me I notified them I want proof it is mine- I am sending the email I received and there is no proof it is mine. Also it is 7 years old and after 7 years if it is mine it is supposed to be off your credit report - this account is not even on my credit report I never had an account with XXXX XXXX ( have no idea what that is ). I want this law suit dropped. I also want punitive damages of {$1500.00} for the damages they are doing to my name XXXX! I'm XXXX and I'm here to explain who we are, what we do, and how it all impacts you. Let 's start by discussing some information about your account.
The account ending in XXXX was charged off and sold by XXXX on XX/XX/2015. Please note, the account has been purchased and re-homed to LVNV Funding LLC. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, Resurgent Capital Services.
We know paying off debt can feel overwhelming, but rest assured we've helped millions of people just like you resolve outstanding debt and we're confident that we can find a solution that works for you, too!
|
| 12/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I first phoned Resurgent Capital Services on XX/XX/XXXX at XXXX XXXX and spoke to a representative by the name of XXXX. I've requested an account summary report in which they did send to me. I also explained to XXXX that reference ID XXXX was dated back XX/XX/XXXX and that the account was either already paid or was taken care of during a previous bankruptcy. The account information is from XXXX XXXX for merchant XXXX for the amount of {$430.00}. On their historical account information which is on the account summary report it states the original date with original creditor was XX/XX/XXXX and the charge-off date was XX/XX/XXXXXXXX XXXX XXXX Resurgent Capital Services received information from XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX I also explained to XXXX that the charge was over 15 years ago and I should not be bothered.
Today XX/XX/XXXXXXXX XXXX XXXX I received an email from XXXX stating that I need to take care of my outstanding balance. They are a debt collector and they are attempting to collect a debt from me. The XXXX account number is : XXXX for the same amount of {$430.00}.
Thank you, XXXX XXXX
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
|
| 09/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XXXX I applied for and received a XXXX XXXXXXXX XXXX Credit Card with the understanding that I would start payment in 6 months but billing started immediately. I tried unsuccessfully to change the terms with XXXX XXXX XXXX based on what I felt was a BAIT & SWITCH Scheme. XXXX XXXXXXXX XXXX did not agree but they stopped billing me. The item was placed in collections and has since been on my credit report. AT THAT TIME I WAS UNAWARE THAT IT COULD HAVE BEEN DISPUTED. I eventually disputed it in XXXX and was informed that it would be in XX/XX/XXXX but XXXX XXXXXXXX XXXX sold the account to XXXX XXXX and created what appears to be a recent collections item. XXXX XXXX has placed the item on my credit report, significantly reducing my credit score by 26 points for a debt that is over 7 years old and one that they have not yet billed me for. I have disputed the matter with XXXX and XXXX XXXX and they both confirmed that the debt would be removed in XXXX but I believe because of the mitigating circumstances, it should be removed immediately. Thank you for your consideration in helping me resolve this matter.
|
| 12/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX COLLECTION BOUGHT FROM XXXX XXXXL ONE ACCOUNT IN MY NAME. THE ORIGINAL AMOUNT OWN IN THIS ACCOUNT WAS {$2500.00}XXXX XXXX NEVER GIVE ME CREDIT FOR THE 16 MONTHLY PAYMENT. XXXX CONTINUE TO REPORT TO THE CREDIT REPORTING AGENCIES THE AMOUNT OF XXXX. FIRST MISSED PAYMENT WAS IN XXXX. XXXX XXXX XXXX IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IS RE-AGING THIS ACCOUNT TO A LATER DATE XXXX XXXX, XXXX. IN ADDITION XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY REPORTING ADDITIONAL XXXX FOR A TOTAL AMOUNT OF XXXX. I FOUND THE FOLLOWING INFORMATION IN THE FEDERAL TRADE COMMISSION WEBSITE, PREVENT RE-AGING ( INACCURATELY CHANGING THE DATE OF THE FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE ) AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING XXXX XXXX OR SALES, MERGERS, AND OTHER TRANFERS. BOTH COMPANY XXXX XXXX XXXX AND XXXX XXXX ARE REPORTING THE SAME ACCOUNT WHICH IS A DUPLICATE ACCOUNT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BOTH ACCOUNT ARE MAKING A BIG IMPACT IN MY CREDIT REPORT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION ...
|
| 08/28/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I already paid this debit prior with another credit agency, But now the debt has changed names and been sent to someone else to deal with even though it was already paid. I sent letter by certified mail to collector back on XXXX/XXXX/2015 asking for validation of proof that I owe debt from previous credit agency which was signed and received on their end on XXXX/XXXX/2015 and informed them of the FDCPA and that they are given 30 days to get this information out to me or else they would need to stop any debt collection from me. Now we sit at XXXX/XXXX/2015 and no information as of yet. I contact the collector and was informed that on XXXX/XXXX/2015 they mailed out information claiming validation of my debt and that the process took longer than 30 days to collect and that I should receive it in the mail in a few days. In the meantime the collector is filing default on me regarding this debt stating that I owe it which I do not and with that certified letter I sent was all the proof they needed to see that it has been paid for but regardless they want to still pursue to collect. They have violated the FDCPA.
|
| 08/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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i am a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given LNVN Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LNVN Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LNVN Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LNVN Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 01/19/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This complaint is about LVNV funding. They sent letters to a place I was living in three months ago in the males forwarded to my mothers house. On XX/XX/2021 I received a letter saying after reviewing the dispute they have a reason to believe that it was submitted by a credit repair organization. They continuously misrepresented their self but from the same company I received the first letter on XX/XX/XXXX of 2021 I have that latter.. I received another letter on XX/XX/XXXX of 2021. I received another letter for garnishing my wages after they actually garnish my wages. And the price That was supposed to be old was {$900.00} they sent me a or order for {$1300.00} Today I received a court order which is XX/XX/XXXX I received another letter with {$1400.00}. This is for another court order I dont understand why this is happening. If there was already a court order where the air they sent me another court order. They misrepresented their self to my job and I dont think its fair that they could do this to people. How is it that theyre already taken wages from my check but now they want more is that even legal.
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| 01/31/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have attempted to reach LVNV Funding on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with LVNV Funding nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile.
With that said I am demanding that LVNV funding provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its XXXX, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters.
If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
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| 01/28/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under LVNV Funding. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
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| 05/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was a victim of identity thief a few years back roughly around 2018 I have always had an fraud alert on my credit report usually someone would call me asking security question assure its me before someone apply a credit card in my name with this particular company they failed to follow my written instructions in my credit file at that time, its been a long time since I pull my credit report and I notice quickly there was a collection of {$1400.00} LVNV funding stating I owe them which i never received any notice from this collector, it was even more odd it show they was collecting a debt allegedly from XXXX XXXXXXXX, which I dispute unauthorized charges and fraudulent account with the original debtor known as XXXX XXXXXXXX. And send documentation to the bureaus to dispute these allegations, my credit file was never update by the bureaus I send valid drivers license, showing correct address, plus police report with I have reported twice and follow up. this company is violation of FCRA rights, and 15 US code 1681 C-2 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) and ( 5 ) 15 US code 1681m ( c )
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| 11/08/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The enterprise member, " XXXX '' threated me ( XXXX XXXX ) consumer that my credit would be damaged in CFPB Complaint ID XXXX. I am intimidated and in fear of my life. Additionally, my credit is my reputation which the enterprise is seeking to ruin. I have been suffering from mental and emotional XXXX and XXXX ever since XXXX shared such DEVESTATED news.
I am currently seeking XXXX XXXX XXXX to help me with my mental and emotional stress caused by LVNV Funding LLC, Resurgent Capital Services L.P.,, Resurgent Receivables LLC.
This shall be unlawful to cause such acts. May my Holy Father GOD arise against you evil doers according to the Holy Bible. LVNV Funding LLC violated my GOD giving rights.
" Contend, O LORD, with those who contend with me ; fight against those who fight against me!
Take hold of shield and buckler and rise for my help!
Draw the spear and javelin against my pursuers!
Say to my soul " I AM YOUR SALVATION! '' Let them be put to shame and dishonor who seek after my life!
Let them be turned back and disappointed who devise evil against me!
XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
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| 01/12/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX sold my account to XXXX XXXX with full knowledge that fraudulent charges had occurred.
back in 2015 I notified XXXX XXXX XXXX of unauthorized charges that I did not recognize on my billing statement. my card was shut down for protection and a claim was opened for this and a new card was mailed out.
I never received a new card, no communication that an investigation was conducted or the result of said findings. I did notice only 3 small charges were credited on the statement. I continued to question procedures and further dispute. I was ignored and was continually pursued for charges that I am not responsible for. I refused to pay as I am not legally liable. XXXX XXXX then insisted that I owe them and charged off the account and sold it to a collection agency who has ruined my credit. after filing a dispute with the credit bureaus both XXXX XXXX and XXXX verified the data. XXXX XXXX has not supplied any records to me but XXXX XXXX continues to call me regarding the balance when they no longer have the account. its too late to request new investigation. XXXX does not have all the records.
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| 07/05/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have formally requested by certified mail on XX/XX/XXXX and XX/XX/XXXX that LVNV Funding LLC C/O Resurgent Capital Services provide me with VALIDATION of the two accounts # XXXX******and XXXX****** that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Act by not responding to any of my letters nor have they provided me any VALIDATION. Enclosed you will find letters that were sent to them by certified mail on two separate times..
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| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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Consumer called Resurgent Capital Services and spoke with XXXX ( service representative ) within 30 days of receiving a Notice of Assignment concerning a XXXX XXXX XXXX XXXX. account. I informed the agent they where in violation of 15 US Code 6802b as I did not receive any opt-out documentation which is a violation of 15 USC 6802. Agent states there was no opt out. Which is an admission of the violation.
XXXX XXXXXXXX XXXX XXXXXXXX. shared my information with nonaffiliated third parties which violates the Privacy Act of 1974.
Also, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliiated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of title 15. XXXX XXXXXXXX XXXX XXXX XXXX XXXX has made this violation which goes against there own Privacy statement given to the consumer.
I would like this account settled and marked as Paid as Agreed or pay the penalties to me listen in 15 U.S. Code 1825 - Violations and penalties. {$2000.00} per violation.
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| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am not liable for this debt with XXXX XXXX NA. I do not have a contract with LVNV Funding LLC, they did not provide me with the original contract as I requested. I also asked the company if they were even licensed to collect in the state of Michigan, they refused to answer. I have never done business of any kind with this creditor, this account is a violation of my consumer protection rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 06/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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NOTICE OF DISPUTE!
I had a credit card account with XXXX XXXX which was charged off after I asked the bank to show me the full accounting on my account. Now I have a collection on the Credit reporting agencies that LVNV IS NOW THE CREDITOR of this charged off account and has placed a collection status. I don't know this company, nor do I have a contract with them. They have defamed my character, slandered my credit and invaded my privacy! I know now that credit card account are non-transferable and non-negotiable. Please explain how this company I don't have a contract with can claim to be the creditor and try to collect on a non-negotiable, non-transferable account that has allegedly been charged off after I asked to see the books on it? Isn't that fraud? Doesn't XXXX XXXX have an obligation to me under T.I.L.A to show me what I asked for+ Since the debt wasn't created until I extended my credit doesn't that make me the Original Creditor in Fact? I know the CFPB just got a {$9.00} XXXX settlement from XXXX Bank for not complying with T.I.L.A and violating consumer rights like XXXX Bank did with me.
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| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have reached out to the Dept of Ed XXXX to get a copy of my original contract showing I took loans out. I told them I have been.a victim of Identity theft and victim of domestic abuse so many of the loans or items on my credit was mostly likely not me. I sent the letter back in XXXX and still haven't received a response. Also, called them at XXXX couldn't provide me with the contract.
DEPT OF EDXXXX Acct XXXX XXXX Amount : {$6500.00} XXXX XXXX XXXX XXXX OF ED/XXXX Acct # XXXX Amount : XXXX XXXX XXXX XXXX OF ED/XXXX Acct # XXXX Amount : {$5300.00} XXXX {$5300.00} XXXX DEPT OF ED/XXXX Acct # XXXX Amount : {$3500.00} XXXX {$3500.00} XXXX DEPT OF ED/XXXX Acct # XXXX Amount : {$2200.00} XXXX {$2200.00} XXXX XXXX XXXX Acct # XXXX Amount {$9700.00} XXXX {$8600.00} XXXX No contract with them. I called and wrote a letter and haven't received any thing back from the company.
LVN Funding Acct # XXXX Amount : {$1000.00} XXXX {$1000.00} XXXX There can't be an open account as a collection that is a violation. Also, this company hasn't sent any proof of contract or proof that I had any accounts with them.
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| 08/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
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I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My USPS certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt.
Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer.
So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me.
As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.
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| 04/18/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Re : Validation Notice Ref : # XXXX {$980.00} Whereas 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, and ; Whereas there is no evidence of prior consent for this communication.
Whereas there is no evidence of permission of a court of competent jurisdiction offered and can not be valid without verifiable proof that the alleged consumer is subject to such jurisdiction.
Therefore a debt collector may not communication with an alleged consumer in connection with the collection of any debt and must cease desist this frivolous action by exclusion of all accounts.
LVNV Funding and its fFailure to comply will result in a petition to launch an investigation into the deceptive business practices. I have given LVNV funding 30 days allotted by law to provide verifiable proof and they have yet to do so.
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| 03/15/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I learned that this debt was sent to collections not only was it sent to collections but it supposedly is no longer in business. I never received a notice of collection or the option to dispute. I found the information of this debt collector on my report it was reported on XXXX. I wrote an letter for validation/verification on XXXX. I received a response on XXXX ; but it lacked information. It didnt include information I requested such as : 1.proof I am obligated to pay resurgent c/o LVNV Funding LLC.
2. Agreement between credit and debt collector.
3. Proof the debt collector is authorized to collect in my state ( Missouri ) 4.Proof Resurgent c/o LVNV 5.was the debt assigned or purchased?
6. Amount paid if purchased.
7. Commission for debt collector of collection is successful.
8.If insurance claims has been made by any creditor regarding the account?
9.Have any judgments been claimed by any creditor regarding this account?
I just want to be sure I am paying should be paying this debt collector. They have proved I should be or ownership of this account. That they have n obligation to collect.
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| 10/20/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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i am a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given XXXX Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
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| 10/15/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/2018 I disputed an account with all three credit bureaus XXXX, XXXX, XXXX, All three credit bureaus stated the account was verified and accurate. The account is XXXX XXXX # XXXX. well I contacted the original creditor and they stated the account was sold to XXXX XXXX. well I sent a certified letter to XXXX XXXX to the address listed on my credit report. the letter was sent on XX/XX/2018 they received the letter on XX/XX/2018. the new owner of the account had 30 days to respond to the debt validation letter. well today is XX/XX/2018 and XXXX XXXX has yet to respond to my debt validation letter they have violated my rights under the FCRA and under the FDCPA by not responding to the certified letter. I will be getting a attorney this company don't cease and desist this account effort and stop reporting the negative information to the 3 credit bureau or I will be filing a suit for the violation. XXXX XXXX had 30 days to respond to my debt validation letter and they refused and failed to respond to my letter within 30 days.. I have attached a copy of the letter and a copy of the certified letter.
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| 02/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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I recently ran a credit check due to a low FICO score inquiry. I have had a low score and have been paying on time. I saw a debt of {$890.00} from a company called LVNV and I have not received any mail, email or calls regarding this debt on my report for two years. I believe 2 years ago this showed up and I requested debt verification to make sure this was not fraud however, never heard anything back. After checking today I called them and they would give me no information on what it was or even how I could pay it. They did nothing yet this has ruined my FICO score for almost 2 years!
I would never have found this had I not checked today. The frustrating thing is that there is literally no way to fix this! I can't even make a payment on it! It has damaged my credit and they have sent me zero answers on verification of the debt. The company LVNV is lying to me saying they have responded to my mailing address when I received nothing. I have several thousand in my account and never would have allowed a small debt to ruin my credit yet I can't resolve this debt or find out if it is fraud! Please Help!
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| 01/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
Older American, Servicemember |
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XXXX I received a XXXX XXXX XXXX Card and used the card. Once using the card I ran into financial trouble and asked the company to work with me to make payments and discontinue the usage of the card because it wasn't within my budget and I was forced to cut my budget. I explained that I would make the payment until it the card was paid off but I noticed every time I received the bill the interest kept accumulating. The bill soon went from XXXX to XXXX. Then they sent me to court for XXXX and sold the account over to a law company XXXX XXXX XXXX, again I attempted to negotiation the cost. I was in bankruptcy for five years XXXX closed XX/XX/2018 and failed to include this company for some reason. I call and made arrangements with the law company to make {$54.00} on the XXXX of every month since XX/XX/2018, but I'm beating a dead horse because they continue to accumulate interest and I'm going nowhere right now the funds has increased to XXXX. I feel that this is so very unfair to me to consider to pay this debt. I have a family and attempting to make ends meet and this debt is a issue that continues
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| 09/03/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I am being sued by a debt collector ( LVNV Funding , LLC ). LVNV Funding claims to have purchased a credit card debt in my name from XXXX Bank, who is listed as the " original creditor ''. Two months after my request for discovery, I received documents with my name and address indicating that I had a XXXX Bank XXXX credit card used from XXXX to XXXX, and that I had applied for this card " on or about '' XXXX XXXX, XXXX. The problem ; I have never had a XXXX XXXX credit card, or any other XXXX credit card. I then asked the attorney for the plaintiff to provide the application. The response was that sometimes there is no application because requests are done online. I can not believe that XXXX Bank would discard the information I would have needed to provide in order to obtain credit from them, even if done online without an actual signature ( unlikely in my case ). It should be a simple matter for the plaintiff 's attorney to provide the original application. What is the CFPB stance on something like this? How can I prove the debt is not mine when the plaintiff has documents that indicate otherwise?
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| 08/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Older American |
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I have a small business XXXX XXXX XXXX and XXXX XXXX XXXX., since XX/XX/XXXX.. I filed for bankruptcy and discharged last XX/XX/XXXX. I tried to revive my small business but the economy continue to get worse in the XXXX XXXX. I owed almost {$10000.00}. to 3 different credit card companies. Last XX/XX/XXXX, I tried to negotiate in a letter to lower the interest rates and modify my accounts. They all rejected my request. My golf business is now " DEAD '', no income. My only income now is from my social security, just enough to pay my mortgage. For the last 5 months now, I have not paid my credit cards. I have now letters from " lawyers/collections agency '' threatening to sue me. I really DO NOT HAVE ANY MEANS /money TO PAY THEM ... I still have a lot of inventories in XXXX XXXX and XXXX related products like, shoes, belts and boots.. I am doing a regular " garage sale on week ends '' I need your help and advise on what to do. Please point me to the right direction of what to do.. Respectfully yours, XXXX XXXX XXXX XXXX. Tel. XXXX. My address is XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX ( XXXX XXXX )
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| 06/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XXXX has a fraudulence case against defendant and garnish wages-false notice of rights for defendant to dispute the case at the time of an alleged judgment. 2 courts can not verify debt to tell defendant what credit card XXXX is garnishing defendant wages for. lawyers could not know what credit card in question XXXX are garnishing defendant wages for. credit card account information in document to garnishee is unknown. XXXX used improper service and correspondence to have an alleged judgment against defendant. defendant did not receive valid information to verify debt as XXXX wants to collect incorrect amount of money from defendant. Defendant learned such garnishment from Garnishee and after money was subtracted from defendant paycheck. XXXX is in violation of FCRA ( fair credit reporting act ). Attorneys of XXXX are using misrepresentation to have an alleged judgment and to garnish defendant wages and these, I believe, are violations of FCRA and of sensitive security information that is controlled under 49 C.F.R. part 15 and 1520. Please, CFPB stop XXXX and this garnishment to protect consumer.
|
| 07/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I do not have a contract with LVNV Funding LLC the debt collector does not have my express written consent or any permission to have my information, it is Identity theft LVNV Funding LLC does not have. my permission to contact me 18 USC 1028a states Knowing use without Lawful authority of Information of another person is a violation, copyright violation see attached, FDCPA state Federal Law 15 USC 1692c ( c ) states communication no consent was given to collect at all it is a violation of my right to privacy unauthorized use of my credit report card 15 USC 1602 ( p ) I did not I do not consent to this debt collection company having or using my Information without a permissible purpose 15 USC 1681b to collect on a debt see XXXX XXXX XXXX XXXX XXXX or substantiation of the alleged Debt the debt is alleged I have not been supplied proof of the debt under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo, 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
i am challenging the accuracy and integrity of the accounts as well
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, LVNV funding the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from XXXX XXXX XXXX XXXX this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts
|
| 05/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XXXX Resurgent Capital Services called regarding a couple of debts I owed. XXXX was legitimate and we paid that bill, the other was for an account that is not mine, a debt that is not mine. This supposed debt is from XXXX, charged off in XXXX. They are trying to collect {$8200.00} for an account that is not mine, I never had any credit card at that time, but is also XXXX XXXX XXXX.
I told them the debt is not mine and they sent it to review and immediately sent me a paper notice that it was indeed mine. At the time I was on the phone with them the woman advised me to file a complaint with the CFPB. They had also said all communication about this must be in writing now, which is fine. I sent back their form that I was still disputing it when the form and review letter arrived.
My concern, besides the age of the debt, is that it is not mine to begin with. It shouldnt be on my records at all because its just not mine. They also still email and text me several times a day, despite having unsubscribed and asking to switch to paper for all communication.
Thank you very much and have a nice day.
|
| 11/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
LVNV was notified in XXXX that the account did not belong to me. LVNV ( XXXX XXXX was asked for proof that this account was opened by me.
The only information I received from LVNV ( Resurgent ) regarding this account was the name of the original creditor, account number and that I owed a balance.
I waited approximately 30 days to allow for further correspondence but it was never received.
I followed up with LVNV ( Resurgent ) to ask for the status and they advised that the original Supervisor XXXX didn't properly document the dispute and send the necessary documentation.
A copy of the FTC Identity Theft affidavit was sent to LVNV electronically and was acknowledged by XXXX XXXX. After that acknowledgement, I contacted LVNV to inquire when the account will be closed and the tradeline deleted from the credit bureau. LVNV continued to try to collect on the account despite knowing that it was identity theft.
LVNV has rejected the credit bureaus request to investigate/delete the tradeline.
As a result of this account, I have been denied my mortgage loan and have suffered monetary damages.
|
| 12/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Company name : Resurgent/ Lvnv Funding.
issue, this company continues to violate the fair Credit reporting Act and the Fair debit Collection Practice Act.
This Collection company As well as the original creditor received my request to investigate this account as fraud a number of times. The problem is that every time I ask them to conduct a investigation, the credit reporting agency would open the investigation and 10 mins later I would receive a automatic response saying that my request was made in error.
Everytime that I have to do this, takes away from my original request to have this investigated.
more then enough information was provided to the company and to the credit reporting agencies to have this fraud account removed months ago.
I feel that my rights are being walked over on.
If you look at the screen shot of XXXX, it clearly shows that they are not keeping accurate records with my file. there are multiple names and addresses not mention the employer information shows companies that I have not worked for.
in addition, XXXX XXXX is trying to collect on this account twice.
|
| 07/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV FUNDING for committing theft. I never gave LVNV FUNDING permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to XXXX5 USC 1692c ( c ). I am demanding to cease and desist of all illegal activity, communication, and collection activity of this and any alleged debts until LVNV FUNDING can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV FUNDING continues its collection efforts, I will file for litigation for actual damages caused and LVNV FUNDING will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion pursuant to 18 USC 894, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 08/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX Card ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX Card ), XXXX XXXX, XXXX XXXX XXXX, Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and suntrust bank account that made payments on these alleged accounts was opened and funded fraudulently.
|
| 08/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Note : My name is XXXX XXXX XXXX not XXXX XXXX that was used to open these two fraud accounts When I became aware if these two fraud credit cards I contacted XXXX XXXX XXXX and was referred to LVNV Funding LLC, I contacted LVNV Funding LLC Twice disputing these fraud accounts, I requested that LVNV Funding LLC supply me with copies of the applications that were submitted for the credit cards listed above to verify these two accounts, along with a copy of the sales contract from XXXX XXXX XXXX and LVNV Funding LLC, LVNV Funding LLC can not produce the applications for credit in my name XXXX XXXX XXXX nor can they supply a copy of the contract between XXXX XXXX XXXX and LVNV Funding LLC to verify that both accounts are valid and that they own the two fraud credit card accounts. As of this date XX/XX/2017 LVNV Funding LLC is still reporting False and incorrect information pertaining to both fraud credit card accounts to all of the credit reporting agencies. Fraud/Identity Theft report has been made to my local police department # XXXX and also made to the Federal Trade Commission FTC report # XXXX
|
| 06/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XX/XX/XXXX my XXXX XXXX XXXX XXXX account was placed on a freeze/hold and a sum of XXXX $ was taken out of my account by a court XXXX of the XXXX XXXX XXXX for this debt collection account from XXXX from XXXX XXXX XXXX The company is LVNV funding llc. They placed a lawsuit in the court with the improper address, I received no notification of the lawsuit or debt due to them sending it to the wrong address. They have taken all my money out of my account without properly notifying me that I had a lawsuit to begin with. This is in fact illegal and violates the fair debt collections act not only bc the account is old ( XXXX ) but bc they did not properly notify me of a lawsuit and were able to place my bank account on hold and took money from my account leaving me with XXXX XXXX I attempted to contact them, and they stated that is the address they were given. No other attempts were made even by the court XXXX. Expedited emergency court hearing is scheduled XXXX XXXXXX/XX/XXXX for the objection to the bank levy I was never properly notified about. Dates and amounts are in attached documents.
|
| 08/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently found out that the collection agency LVNV FUNDING LLC reported to my credit report without notifying me that I even had a debt and or that they were handling this alleged debt.
When I found out this information I sent LVNV FUNDING, LLC a letter to the address listed on my credit report with the intentions of exercising my right to dispute/validate this debt.
When I sent the letter to the exact address listed on the credit report directly from XXXX and XXXX the certified mail was ( RETURN TO SENDER UNABLE TO FORWARD ) They are inaccurately and incompletely furnishing information regarding the debt and in regards to me to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which they are responsible.
They are violating my rights and causing me severe damage. We are in the process of getting a home loan and this is going to ruin it.
I have the right to seek remedy for the damages from the courts, but at this point I just want LVNV FUNDING LLC to fix their mistake in its entirety.
|
| 01/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Resurgent / LVNV Funding, LLC are a collections Company that appears to purchase the debt from the original alleged creditor which is XXXX XXXX XXXX XXXX. They were removed as fraud from my cunsumer report.
LVNV Funding, LLC / Resurgent is using my nonpublic personal identifying information to include my social security number WITHOUT my express consent or authority. I deny and object to the liability on account : XXXX as I am not a Debtor BUT a CREDITOR who acquired consumer goods to be used primarily for personal, family, or household goods. The Three credit reporting agencies are directed to remove said inaccurate information as it causes the CONSUMER undue hardship and reduces my lending / selling ability and purchasing buying power through commercial disparagement which is a form of Identity Theft of property. This private entity changed my charactor from creditor / supplier / issuer / accounts payable to borrower / debtor / accounts receivable and assumed my name through commercial paper. XXXX XXXX has NO statue of limitations and I will defend against. I have reserved all my rights.
|
| 07/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Two years ago while applying for an apartment I was denied, and was curious why, so I performed a credit check with credit karma, and found that someone had used my identity to purchase something through a company called LVNV funding. I disputed the debt with three of the credit companies and XXXX and XXXX removed the debt because they said they were unable to validate the debt and i then went and had my credit frozen, XXXX is refusing to remove the debt because they are claiming the debt was verified, but even when i request a debt verification letter they sent a document that had a wrong address and a signature that consisted of characters and numbers, I was confused and spoke with a credit counselor who informed me that this was a digital signature and is not a validation of debt. I then reached out to XXXX again and request their American office where a gentleman named XXXX said that as long as a company can give a name, address, and social they consider that validation, and he gave me your information, because he said that is the same information that is used when stealing an identity.
|
| 08/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have written to this company and the previous alleged owner of this debt ( XXXX ) XXXX times and I have not received any response and/or verification of this debt. This account was previously owned by XXXX and they have now notified me that LVNV Funding has bought this EXPIRED debt. I verified with XXXX, XXXX and XXXX that this company and the previous company had not verified this debt in accordance with FDCPA section 809 A & B. No signed contract, canceled check and accountings as requested per my XXXX and XXXX letter to verify this debt was ever received. Also, please be advised the STATUTE OF LIMITATIONS for this account has expired. Also, this company allegedly purchased the debt on XX/XX/XXXX. This is NOT the date where the statute begins for an open ended account. This is an expired debt. The State of Nevada has a Statute of Limitations of XXXX ( XXXX ) years. This is an alleged debt from XX/XX/XXXX. As of this date, I still have Not received any paperwork, and/or verification of this debt from neither company the previous alleged owner : XXXX or the new company LVNV Funding , LLC.
|
| 06/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, My name Is XXXX XXXX and I am filing a complaint against LVNV Funding LLC for committing identity theft I have never given LVNV Funding LLC permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claimI owe. I am legally refusing to to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of allillregal activity, any communication, and collection activity of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 11/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. I have yet to have received the requested Original Contract, Original Creditor Information, Payment History or Proof of Ownership. There have been several SSN and addresses listed on my credit report that are not mine, this account is linked to one of those fraudulent accounts that has since been investigated and removed from my report. Despite the Fraud alert and update on my credit report, this creditor is still holding inaccurate information on my report.
It is my understanding that under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
|
| 02/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
. They want to collect on a judgment from the year XXXX, and that is like over 14 years ago. The judgment from court had expired and it was never renewed by the creditor so the judgment is no longer collectable. The collector has failed to validate the debt and is trying to get me to pay on something they know i no longer legally owe.
I have filed a previous complaint with CFPB ( XXXX ) and same debt was tried to be collected by another collector ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) so it just seems they closed the file with XXXX collection company to make XXXX happy and 2 days later they had asked another collector to holler at me. This is harassment at this point to try to collect XXXX debt.
The court judgement statue of limitations on collection o f it expired XX/XX/XXXX, that's like several years ago, so this debt collector has no shame in trying to collect invalid debt and produces a judgment in the mailed letter that is expired and was never renewed so they know statues of limitations but choose to ignore them. shame on this debt collector nothing but games games games
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXXXXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.
4. Identity Theft XXXX XXXX XXXX- Account Number : Inquiry Date XX/XX/2020 This is not mine.
5. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.
6. Identity Theft XXXX XXXXXXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.
6. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine.
7. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.
8. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine.
9. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.
|
| 05/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am being sued in two different cases in civil court in XXXX XXXX Ohio by LVNV Funding also known as Resurgent Capital Services. Both accounts are the result of identity theft, of which I am the victim. Resurgent, LVNV Funding and their affiliates/ attorneys, XXXX and XXXX are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither LVNV Funding / Resurgent or XXXX and XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. They keep passing the buck using three entities, Resurgent, LVNV Funding and XXXX and XXXX to dodge who is really responsible for answering my requests to investigate these accounts as fraud as per the Fair Credit Reporting Act.
|
| 05/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX Bank online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX bank, and the collection agency they turned me over to XXXX XXXX XXXX XXXX to correct this fraud : requested copies of transactions and signatures, and disputed the reporting to my credit report. XXXX XXXX bank refuses to provide me with receipts of transactions. I spoke with XXXX XXXX a year or so ago and made them aware of the situation. The XXXX XXXX representative admitted the transactions all appeared to occur in another State where a card was sent. They were supposed to send me copies of transactions, but nothing was ever received. Now I am being sued for these charges. The hacking of XXXX XXXX online system has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my personal information.
|
| 03/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In about XXXX of XXXX, I discovered an account from LVNV Funding LLC on my XXXX credit report. The account referenced an original creditor called XXXX XXXX XXXX, with whom I have never opened or had an account. I wrote directly to LVNV Funding LLC on XXXX XXXX, XXXX and on XX/XX/XXXX regarding this account. I informed them that the account was not mine and was fraudulent. I did not receive a response to either of my letters, which the United States Postal Service confirms was received by LVNV Funding LLC both times. I have also written several dispute letters directly to XXXX. To this day, LVNV Funding LLC is reporting this account on my XXXX credit report and refuses to remove this fraudulent account. LVNV Funding LLC also continues to report updates to my credit report regarding this account, even though any and all collection activity should have stopped after I sent them the first letter. Until they actually respond to any of my letters, all of this collection activity against me is illegal and violating the Fair Debt Collection Practices Act as well as some of my own state 's laws.
|
| 10/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Resurgent Capital Services, as a non affiliate third party to XXXX XXXX XXXX, Resurgent has possession of my nonpublic information and is trying to extort me for {$1300.00} by communicating to the credit reporting agencies. The company purchased my nonpublic information and the alleged debt from XXXX XXXX XXXX. Via the CFPB COMPLAINT # XXXX Resurgent sent a letter stating they validated the debt and sent statements with my sensitive nonpublic information and an unsigned card agreement with no opt out form as proof of validation. Federal courts ruled in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, that the account and general ledger statement signed under penalty and perjury and dated by the party responsible for maintaining the account is proper validation. Resurgent has misrepresented the character of the debt and committed aggravated identity theft. Also, they are unlawfully attempting to do business non licensed and non bonded in the state of New Jersey, which I s prohibited from attempting to collect a debt as a debt collector. These are multiple violations that are subject to monetary relief.
|
| 10/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint.
I contacted Resurgent Receivable about two accounts that they are reporting to my credit report. They are reporting these accounts fraudulently and without my authorization and consent.
They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and Resurgent Receivable. If no contractual obligation exists between us then how could I legitimately owe them for any debt? Resurgent Receivable claims to have purchased the debt from XXXX XXXX XXXX but my contract was between myself and XXXX XXXX XXXX, who I am in the process of entering into arbitration with. If Resurgent Receivabe continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation the FCRA, FDCPA, and for aggravated identity theft.
Please see Resurgent Receivable info in identity theft report attached
|
| 02/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Original creditor : XXXX XXXX XXXX and Company account was sold to LVNV Funding LLC is in Violation of Federal law. ( Please see attachment for further details ) After challenging LVNV Funding LLC to accurately validate Account of which they have purchased from XXXX XXXX XXXX account # XXXX. This account is currently being reported illegally. And must be deleted from my consumer reports immediately.
Please note : the original creditor claims that they received last payment on this account in XX/XX/XXXX. But never closed the account. Account was not closed and I was not notified that account has been closed.
As stated in writing the company claims that last payment was made in XXXX of XXXX but was not closed or charged-off until 233 days later in my of XXXX this is illegal. And be proven in court!
Since account was not closed the account occurred interest and fees that was then added to the balance, of which can not be accurately verified.
In addition I've made multiple attempts to have LVNV Funding LLC and the credit bureaus validate this account of which they have not done.
|
| 05/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account lised under Lvnv Funding LLC, XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continued to reflect on my credit report and I have not received any correspondendence from creditor to vaildate this account as correctly belonging to me, nor has my credit report been no updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on my on my report. I do not believe the account belongs to me nor do I believe that the Creditor has authorization to access the account nor authorization to attemp to collect on the account and the account continues to negatively affect me. Please strike and remove this accounts from all 3 Credit Bureaus until adequate vaildation has been received proving that the account belongs to me and all information is correct.
|
| 04/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
IN REGARDS TO : RESURGENT CAPITAL SERVICES. XXXX XXXX XXXX XXXX, SC XXXX. I HAVE NOTIFIED THIS COMPANY THAT THE CREDIT CARD THROUGH XXXX XXXX XXXX WS OPENED FRAUDULENTLY AND THAT I HAVE NEVER HAD A CREDIT CARD WITH THEM. I SENT SEVERAL CERTIFIED LETTERS ASKING TO VALIDATATION AND DEBT VERIFICATION FOR MY RECORDS TO PROVE TO THE COMPANY THAT THIS ACCOUNT IS NOT MINES, AND I AM A VITICM OF IDENTITY THEFT AND ITS TAKING ME ALOT OF TIME AND MONEY TO GET THESE ITEM REMOVED FROM MY CREDIT REPORT. MY INFORMATION WAS STOLEN WHEN I WAS INVOLVED IN A TORNADO THAT SWEPT THROUGH XXXX TEXAS IN XX/XX/2015 AT THE TIME THAT'S WHERE I RESIDED THAT MADE IT ON THE NEWS AND I LOST EVERYTHING. I NEVER RECOVERED MY PURSE AND MY CAR WAS TOTALLED DUE THE DAMAGE. THE ADDRESS ASSOCIATED WITH THE ACCOUNT WHEN I ASKED THE REP WAS SOMEWHERE IN XXXX XXXX TEXAS AND I HAVE NEVER LIVED THERE.IM TRYING TO RESOLVE THIS MANNER IN THE BEST POSSIBLE WAY I CAN BUT I AM NOT RESPONSIBLE FOR THIS DEBT. SO ONE HAS BEEN USING MY INFORMATION TO OBTAIN CREDIT IN MY NAME AN ITS UNFORTUNATE FOR ME IM LEFT TO DEAL WITH THIS MADNESS.
|
| 09/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Recently, i have reviewed my consumer report and notice that your alleging reporting the following account are LVNV FUNDING LLCXXXXWithout runished any substanital proof of verified according to the federal law, in order for you to report this account you would have had to verify and validate all alleged debt. As of XX/XX/2023, I am asking to provide to me that i had a contract to engage with LVNV FUNDING LLC, to cause such debt to exsist. As a result of this our must removed immediately be removed from my consumer report As i do challenge your validity pursuant 15 USC 1681B. please consider this letter as an initial communication demanding any evidence of my obligation to above mentioned account. As a reminder, any account that you continue to report without being able to validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separate. this is not a dispute of ownership but as a consumer i am aware of my FEDERALLY PROTECTED RIGHTS, if you cant prove the requested documentation my demand is that the account be removed immediately upon receipt.
|
| 04/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022 I hand wrote and sent a letter to XXXXesurgent Capital services/LVNV funding, explaining to them after reviewing my credit report I see that they are reporting an account on my behalf and I have never done business with their company and that they are committing identity theft and violating my consumer rights to privacy pursuant to 15 USC 1681b 2. I clearly stated pursuant to 18 USC 8 I owe no debt and further more this company NEVER had my written permission to report anything using my information pursuant to 15 USC 1681 4, no authorization is considered IDENTITY THEFT. They proceeded to send me a letter saying they could not validate my claim and to send them information regarding my identity. They also provided a statement from XXXX XXXX XXXX with my name and an address that I do not reside at. They provided no valid information i.e. my wet ink signature or my written permission as stated above. This is a demand to remove any info regarding myself from their system as well as cease reporting my information to the credit reporting agencies or legal action will ensue.
|
| 04/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I SPOKE WITH A XXXX XXXX XXXX IN THE COMPLIANCE DEPARTMENT ON XXXX/XXXX/16 AT LVNV FUNDING ABOUT OTHER DEBTS THAT THEY MAY HOLD PERTAINING TO ME. HE CONNECTED ME WITH THE LVNV FUNDING CUSTOMER SERVICE DEPARTMENT. THEY WHERE VARY HARD TO WORK WITH IN GETTING THE NEEDED INFORMATION TO CLEAR UP ANY AND ALL DEBTS THAT THEY MAY HOLD OF MINE. AFTER SPEAKING WITH XXXX SUPERVISORS, BEING HUNG UP ON, AS WELL AS SPEAKING WITH XXXX MORE REPRESENTATIVES I FINALLY GOT THE NEEDED INFORMATION. THE FIRST CREDITOR LISTED THEY NEVER DID GIVE ME THE NAME OF, AND REFUSED TO MAIL ME ANYTHING TO SHOW THE DEBT WAS OR IS ACTUALLY MINE. ACCOUNT # XXXX AND REFERENCE # XXXX.
THE SECOND ACCOUNT XXXX ACCOUNT NUMBER XXXX REFERENCE # XXXX THEY REFUSED TO SEND ANYTHING THROUGH CUSTOMER SERVICE ON THAT ACCOUNT AS WELL.
I 'M ON SSI AND HAVE BEEN FOR MANY YEARS, AND AM NOT SURE WHICH OF THESE ACCOUNTS WHERE MINE OR ARE MINE.
AS WITH THE OTHER ACCOUNTS LVNV FUNDING HAVE DONE. THESE XXXX ACCOUNTS SHOULD BE CLOSED DUE TO HARDSHIP AS I HAVE XXXX TO XXXX XXXX A WEEK AN AM ON XXXX AS I STATED EARLIER IN THIS COMPLAINT.
|
| 11/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
It has been 2 months since I have made a complaint with the cfpb regarding lvnv funding communicating with me and attempting to collect on alleged debts for the following two accounts ; XXXX and XXXX. In that complaint I had stated that they have been violating the Fair Debt Collection Practices Act ( FDCPA ) to which they have completely denied all allegations. Afterwards they stated that they would honor my request to cease all communications. Since then, they have still continued to communicate with me which is a clear violation of the FDCPA and I have proof. Now I am demanding compensation. The FDCPA defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium of which they have decided to continue to communicate with me which is a clear violation of 15 U.S. Code 1692c. This company does NOT care about obeying federal laws and I am asking the consumer financial protection bureau ( cfpb ) to enforce federal laws onto this company. Otherwise I will proceed with litigation.
|
| 10/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
LVNV HAS CONTIONUSLY DEFAMED MY CHARACTER BY REPORTING EROONEOUS INFORMTION TO THE REPORTING AGENCIES EVEN AFTER I HAVE DISPUTED AND SHOWED PROOF THAT THIS IS ERRONEOUS INFORMATION THE AGENCIES WILL NOT REMOVE/DELETE THIS INFORMATION BEING REPORTED BECAUSE LVNV CONTINUES TO STATE THAT IT MEETS THE FCRA BUT WILL NOT PROVIDE VERIFICATION OF HOW THEY ARE MEETING THE FCRA THIS IS A VIOLATION OF MY RIGHTS AND IF THEY ARE NOT TO BE HELD ACCOUNTABLE THEN WHAT ARE THE LAWS PUT IN PLACE FOR THEY HAVE XXXX ACCOUNTS THAT THEY HAVE PURCHASED ARE THEY EVEN IN THE RIGHTS TO COLLECT ON THESE ACCOUNTS WHICH IM NOT CONCERNED WITH BECAUSE THEY ARENT ANY RELATION TO ME AT ALL I HAVE BEEN GOING BACK AND FORTH WITH THIS AND AT THIS POINT ITS TIME TO REACH OUT TO CFPB AND MY ATTORNEY BECAUSE THEY HAVE VIOLATED ON NUMEROUS OCCASIONS AND I HAVE PLAYED NICE BUT IN THE MIDDLE OF CLOSING ON A HOME FOR MY FAMILY THEY WONT TO REINSERT THEMSELVES WITH THIS AND NOT INVESTIGATE FULLY AND PROPERLY THEN I DONT KNOW WHAT ELSE TO DO I LOOK FOR A REPLY AND A REMOVAL/DELETION OF THE ACCOUNT LVNVXXXX LVNV-XXXX IMEDIATELY
|
| 12/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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last year about this time i checked my credit report and i discovered that this unknow acct was placed on my credit report on all credit bureaus, apparentley it has been there since XX/XX/2016 i immediatley contacted all 3 major bureaus and explained i have no knowledge of said account i was prompted to dispute the inaccurate information and to contact the company i did explained that i dont even know anything about a XXXX XXXX XXXX, and this reporting is inaccurate and negativley impacting my credit score by placing a derogatory mark on my credit score.
needless to say all info was verified by data furnisher. I have tried to dispute this over and over and the results are still the same.I would like to file a complaint with CFBP because i feel i have exhausted all measures to get this inaccuracy remove permanently from my credit report and history as well..
The Name of this company and address is LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX USA I would really like to get this issue resolved and deleted immediatley from all credit bureaus.. Thank you
|
| 10/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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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.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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In 2020, my business partner at the time had a copy of my license and social security number due to the fact that he claimed the company needed to file corporate business taxes. Shortly after, the company dissolved, and the business taxes were never even filed. Once the company dissolved, I noticed that fraudulent charges and credit cards were opened under my social security number and license information. I attempted to contact my former business partner to inquire of these charges, however he blocked me and I have not been able to locate him at all. I attempted to file a police report, however the local police department stated that without physical proof, there was nothing I could do. This was the ONLY person who had physical copies of my personal information, and the timeline was exactly when these cards and charges were made. I attempted to resolve this matter for the last two years and explain it to the debt collector with no success. LVNV Funding continues to call me and harass me daily regarding these charges. I need this resolved and removed from my credit once and for all
|
| 07/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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" Resurgent Capital Services '', " LVNV Funding LLC '' and " XXXX XXXX XXXX XXXX '', all have been sending me Collection Letters, Settlement Letters and Threats of Collection, for a " XXXX XXXX Credit Card '', that I did not possess, with an outstanding balance of {$840.00} dollars ( XXXX ), all of the aforementioned Fraud Companies have also tried to get me to sttle for half of the total amount, they claim I owe, I had fought this " Fraud '' debt as far back as ... 2005? and assumed that it had all been settled through " XXXX XXXX '', till just recently, I have even checked my credit report, and do not see this negative strike? this is from 16 years ago, and I doubt that, I still have my correspondence records pertaining to the settlement? I have requested documents of proof from " Resurgent Capital Services '' and " LVNV Funding LLC '', and have yet to receive any type of documentation, this I feel is " Double Fraud '' and plan to have my bank put a block on these 2 establishments. THIS IS CRIMINAL!
I have attached the latest " Fraudulent '' demand letter.
Regards, XXXX XXXX
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| 09/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
I contacted XXXX XXXX back in 2008 when I worked for them in sales and also had a cell phone account with them because that was the clause when working for them, you had to have there service. At that time I had a discount on my bill for the number of years that I had it, but once I left the company I changed cell phone providers, thus I chose to move to a different cell phone carrier. So I paid my final bill and went to another cell phone provider. Now years later XXXX is stating that I owe them money when In fact I do not! They have been in many lawsuits for overcharging and over billing people and now they 're trying to overcharge and charge me for service which I have not had for over 4-5 years! I do not owe them any money nor have they ever contacted me or tried to send me anything saying I told them. When I did contact them to ask where is this bill coming from? They could not confirm any Bill to such an amount of {$1300.00} that they are stating on my credit report. I 'd like this item removed from my credit report as quickly as possible. Thank you in advance for your help.
|
| 12/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
|
XXXX and LVNC Funding LLC continues to place me in collections for debts that are not mine. The are now claiming that I owe LVNV Funding LLC for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with XXXX or LVNC, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, XXXX turns things over to LVNC or XXXX of their other companies or, visa versa. At this time, XXXX is trying to collect for LVNC. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.
|
| 02/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
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Web |
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3 collections LVNV. I contacted LVNV in the past couple months regarding a debt collection claim on my credit report. Resurgent replied from LVNV website claim they are not collecting and to contact 3 other debt collectors they named off in reply. They would not provide any debt validation. They are still reporting non proven debts on credit report and have not removed. LVNV has been in legal problems with collection and not sure why mine is not being removed from my report because they are not the debt collectors and are not collection under. Credit Bureau refused to resolve in dispute. Debt age is approximately XXXX, XXXX, and XXXX but fact is still shows updated XXXX of XXXX as being correct under their debt ownership claim. It is not correct debt ownership. I contacted a lawyer but unfortunately I am not one of their selected favorites to receive better treatment under fair debt reporting and told no. I am given the run around but will report XXXX XXXX elsewhere. I am not ignorant to rules. If reported and no bankruptcy filed then to be reported legally. Not legally reported.
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! PYOD LLC, XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 04/14/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
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I'm currently being garnished for a credit card that I have no idea ever existed. The attorney XXXX, XXXX and XXXX was sent a letter asking for information about the credit card and they never supplied that information to me. I ask for a copy of the signed contract and a complete forensic accounting they used to calculate the debt. To this day I have not received any information regarding the account. They have not provided me any proof of any account existing in my name. Court documents show an account number that was whited out with a completely new account number written over it. No Contract included or any validation of any debt amount or when the contract was signed. This is fraud on behalf of LVNV funding and it's collecting arm Resurgent Capital Services attorney XXXX, XXXX XXXX XXXX
What I've requested from Resurgent on XX/XX/21 was : -signed application -the entity suing me purchased the right to collect on the debt -the balance claimed as being due is calculated properly -the loan has not been rendered unenforceable due to the expiration of the statute of limitations
|
| 12/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
In XXXX XXXX, I began receiving numerous debt collection letters from Resurgent Capital Services for debt I did not recognize. The only debts that could possibly be related to me are from XXXX -- when I had a XXXX and was unable to pay my bills, and creditors would not work with me to set up a payment plan. I have not made any payments on these debts since XXXX, and I have been informed that these debts are now time-barred. I do not know why I suddenly began receiving collection letters in XXXX of this year. With the help of an advocate, I sent Resurgent Capital Services a certified letter to cease all communication with me and to record in my file that I did not want to receive any future communications about these debts from anyone. I am a senior and a XXXX veteran and receiving these letters makes me very XXXX XXXX XXXX. Despite my letter telling Resurgent Capital Services to cease communication, the alleged owner of the debt XXXX XXXX has apparently now placed my account with another debt collector, XXXX XXXX, XXXX who is now sending me collection letters for the same debts.
|
| 08/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I had 2 accounts with XXXX XXXX XXXX. I closed both of them at the same time, one had a balance of less than {$10.00} and the other one was over {$1000.00}. I have been paying on the higher balance one as I agreed with the amount owed.
The account ending in XXXX I disputed with Resurgent. They sent me the statements and there are 3 months of no statements where the amount owed went from less than {$10.00} to over {$1700.00} and kept accruing interest and late fees, now totaling {$2100.00}. I have repeatedly asked for them to show where the charges came from on a closed account. The last agent I spoke with at Resurgent advised me that I have to prove I didn't make the charges. No, you have to provide me documentation showing where the charges came from, which they have repeatedly failed to do so.
This account was closed, I would be happy to pay the balance that was showing on the final statement that was less than {$10.00}, but I will not pay for any more as I didn't have the card and they can't provide what the charges were after the final statement I had originally received.
|
| 04/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American |
|
I received an email from a collection agency, TrueAccord stating they were retained by LVNV, who they say bought the account from XXXX XXXX. I sent LVNV a debt " validation '' letter to assure that LVNV had the authority to collect the debt. I did not receive a response to my letter.
They may have sent a " verification '' of the debt which does not validate they can collect the debt. They then retained XXXX XXXX XXXX to collect the debt. I received a letter from them in XX/XX/2021. I sent XXXX XXXX XXXX a cease and desist letter. They in turn sent an inappropriate response of a debt verification they say I requested. They are in violation of the Fair Debt Collection Act, as they did not advise in their one letter they are allowed to send me 1 ) they were terminating collections, 2 ) they could invoke certain remedies 3 ) that they were invoking certain remedies. XXXX XXXX XXXX filed a debt claim against me on XX/XX/2021 which I received notice XX/XX/2021. I am considering filing a counter claim against them since they are in violation of the Fair Debt Collection Practices Act
|
| 04/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I received a letter ( XX/XX/XXXX ) from a collection agency on a credit card judgement filed through the Second Judicial District Court of Utah on XX/XX/XXXX, Case no. XXXX for {$4000.00}. I declared Chapter XXXX Bankruptcy through the Federal Bankruptcy Court in XXXX XXXX XXXX, Utah ( Case no. XXXX ) on XX/XX/XXXX, and the bankruptcy was discharged onXX/XX/XXXX. This is an illegal attempt to collect this debt, as it was discharged in the above referenced bankruptcy, and the statute of limitations ( 5 years ) has passed. The information on the collection agency is as follows : XXXX XXXX XXXX being represented by XXXX XXXX XXXX, ( A # XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, UT XXXX, ( XXXX ) XXXX or ( XXXX ) XXXX, XXXX. I called XXXX XXXX onXX/XX/XXXX and left a voicemail message demanding that they cease and desist their collection efforts on this debt because it was discharged in the above referenced bankruptcy and the statute of limitations had well since passed ; and that any attempted to collect on a debt under these conditions is illegal.
|
| 05/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/22 XXXX from Resurgent Capital Services stating I owed money from a credit card {$1300.00}. I replied in writing asking where this debt was from and why.
XX/XX/22 XXXX from Resurgent Capital Services stating they had initiated a review and then they sent a account summary which provides verification of debt. I replied in writing that this was not my name and I had never lived in NY where this persons address is listed.
XX/XX/22 XXXX from Resurgent Capital Services stating again that they were sending me verification of debt. Again incorrect name and address. On XX/XX/22 I sent a letter to Resurgent Capital Services stating this was the wrong name and wrong address and that I would file a complaint if they did not stop sending something for someone else.
XX/XX/22 Letter from Resurgent Capital Services stating again that they were sending me verification of debt. Again the incorrect name and address. Letters mailed to Resurgent Capital Services stating that again this is not my name or address. Also complaint filed with CFPB and States Attorney Generals of SC and NM.
|
| 03/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ATTENTION TO LVNV FUNDING LLC ( 12 XXXX XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company LVNV FUNDING LLC ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
|
| 09/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
in XXXX of 2019 LVNV placed a collection account on my credit report without contacting me first to allow me the chance to dispute and request validation and substantiation. In XXXX of 2019 i requested Validation and substantiation from LVNV via certified mailed letter and they only responded telling me that i had the right to request substantiation but never provided me with the actual documentation that would prove they had the legal right to try and collect on this alleged debt. I sent my request certified mail and my dispute was not properly handled by the company. LVNV has also continued to report this debt as valid although they have failed to provide substantiation on several occasions via online disputes with the Credit Bureau, Specifically XXXX. Due to LVNV failing to provide the substantiation information i requested in XXXX this account needs to be deleted but the company refuses to delete it although they didn't provide appropriate documentation to me in time. This company also placed the collections on my credit without giving me time to dispute the alleged debt.
|
| 06/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
First letter was s ent XXXX 2017 Thi s letter is regarding account # XXXX , which you claim WAS CHARGED OFF {$1000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some contractual obligation to pay you. I received a letter back on XXXX 2017 stating that they have enclosed account summary which provided verification. Verification of they debt is not valid, which only had My current address, the account information, and who they acquired it from. I followed up with a second letter on XXXX 2017 re questing for proof. I then received a letter back from them XXXX 2017 s aying they are not willing to corporate. The company 's name and address Resurgent Capital Services, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , SC XXXX Thank you, XXXX XXXX
|
| 11/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received mail saying that I owed money for a credit card from XXXX. I sent a letter out explaining that that was not at my debt. Time went by and it was still on my credit report. Then I went on to file with the FTC then it was taken off the months later I received a letter from Resurgent Capital Service saying that I owe them {$1800.00}. Then my payroll company contacted me saying that my wages were going to be garnished. Then I received an email saying that I my next court date is in XXXX. That can't be the case because I never had a first court date for them to put in an order to garnish my wages. That is a violation of my rights to garnish my wages without me first appearing in court after I filed a FTC report reporting that this debt did not belong to me and was a result of identity theft. Now my wages are going to be garnished for the first time in XXXX and my court isn't until XXXX. I can not afford for 25 % of my gross income to be taken out of my checks for a debt that doesn't belong to me. I want these garnishments removed because that debt does not belong to me.
|
| 10/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I have asked you to cease and desist all communications regarding this debt, yet you still continue to do so. Your willful non compliance and failure to cease communication is in violation of my rights as a consumer and the FDCPA. You are not allowed to communicate this alleged debt through ANY medium according to the FDCPA. Yet and still, I am still being harassed, harmed and oppressed through your communications. Your actions have CONTINUED to cause me harm even though you have admitted through CFPB that you have received my cease and desist, yet you deceptively stated you had complied. You have also violated my rights and the FDCPA by reporting to an unaffiliated third party. I am FURTHER damaged by your infringement on my right to privacy. You have right to purchase a debt NOT my personal information, yet you continue to furnish it without my previous or present consent. This is extreme abuse and unacceptable. I have attempted to make pitstop and this will be my LAST time before taking FULL legal action against you. I have also disputed BOTH alleged debts multiple times.
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : LVNV FUNDING LLC, Account Number : XXXX has violated my rights to privacy.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 09/23/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I took a loan of XXXX dollars from XXXX to buy an item, and when I slipped on the payment, I called them and discussed ways to pay them off, and was making those payments, but they kept jacking up the interest so much I wasn't making a dent, on XXXX any less which is insane. So one day I go to make my payment and it's no longer listed on XXXX. I thought that maybe it was gone for good or they dismissed it due to the amount of interest they collected from me. I was literally unable to make a payment at this time due to them removing it from their site. Years later I get a letter saying that I owe {$500.00} dollars. So I call them, and I'm on the phone with this rude woman, and they're threatening to harm my credit if I don't pay them off. So it goes from {$300.00} to {$500.00} and I was powerless to make a payment due to their tactics. I make my payments, and I have excellent credit, but they literally made it impossible for me to pay them and then jacked up almost double the amount of interest on me. This isn't fair at all! Now the company is calling itself LVNV FUNDING LLC.
|
| 05/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have made several attempts to verify an account in collections by Resurgent Capital Services directly and through the Credit bureaus. In XX/XX/XXXX and XX/XX/2018 I sent out a debt validation letter which a photo copy will be attached, and recieved basically responses on both occasions that the debt had been verified. But in reality all I got was a itemized list of charges and no proof of ORIGINAL contracts with my name or signatures which does not meet the FTC guidelines that constitutes proper debt validation. Also XXXX was not able to properly verify and were the only ones to delete the account. Also noticed that XXXX is reporting wrong information on said debt collector, which I will also attach proof of when I tried to request information. Letter sent was returned which I had sent out certified. I had also reached out to the ORIGINAL said creditor and they claim to have no information on such account, and if I'm not mistaken how could the credit bureaus or the collector validate such debt if under the FCRA a proper validation has to be done with the original creditor?
|
| 08/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I RECENTLY CHECKED MY CREDIT REPORTWHICH I HAVEN T DONE IN YEARS I HAD FOUR IN COLLECTIONS THESE ARE NOT MY ACCOUNTS I SENT DISPUTE LETTERS TO ALL FOUR TWO OF THE HONORED MY REQUEST TO DELETE FROM MY CREDIT FILE HOWEVER LVNV FUNDING AND XXXX XXXX ARE GIVING ME A HARD TIMELVNV REMOVED IT ONE WEEK AND PUT IT BACK THE NEXT SAYING THEY DIDNT HAVE ENOUGH PROOF IT WAS FRAUDULENTLY OPENED I HAVE NO KNOWLEDGE OF THESE ACCOUNTS THEREFORE THEY WERE FRAUDULENTLY OPENED I HAVE BEEN TRYING TO REBUILD AND REPAIR MY CREDIT SINCE FINDING THIS OUT LVNV IS XXXX OTIGINAL CREDITOR XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX ACCOUNT XXXX DATE OPENEDXX/XX/XXXX ORIGINAL CREDITOR AMOUNT WAS XXXX HIGH BALANCE XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ACCT XXXX ORIGINAL CREDITOR XXXX AMOUNT XXXX OPENEDXX/XX/XXXX I AM A XXXX XXXX XXXX VETERAN I HAVE NO RESON TO LIE THIS IS SO UNFAIR MOST CREDITORS WERE SO KIND AND HELPUL EXCEPT THESE TWO WHICH I VE READ ALOT OF REVIEWS NONE GOOD CAN YOU PLESE HELP WITH BOTH ACCOUNTS THANK YOU
|
| 05/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
LVNV Funding LLC, has resold the same debt that I 've issued complaints to CFPB previously regarding. LVNV is not being represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. LVNV funding, nor XXXX has ever provided verification of originating debt. No signature cards have been provided and XXXX, LVNV funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate LVNV Funding and XXXX for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. LVNV funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. LVNV needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.
|
| 11/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received a letter from a debt collector XXXX XXXX XXXX on XX/XX/2023 and I responded asking for debt validation because I don't know this company writing me telling me I have money for them, then I got another letter from Resurgent Receivables LLC on XX/XX/2023 responding to me about same alleged debt owing to them and I was not provided with my request documentations for my validation. I then again sent second letter requesting for all those documentation I previously asked for to validate this alleged debt, then I received another response from a Resurgent Capital Services on XX/XX/2023 which again XXXX not get any documentation to properly validate this alleged debt. I then wrote a third letter attempting to request for those documents once again to properly validate this alleged debt and I let them now that If they can not provide these documents they need to cease and desist from contacting me.
After I disputed this item they went and posted it on my credit report on XX/XX/2023 I saw it on my XXXX and XXXX report which is a clear violation when an item is in dispute
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| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : account # XXXX XXXX XXXXXXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records.
I requested over six times for XXXX XXXX to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to XXXX XXXX that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector XXXX XXXX and LVNV Funding. XXXX XXXX misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.
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| 02/18/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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i have been getting debt collection notices from Cach llc and the law firm XXXX, XXXX and XXXX. These companies say I owe them {$24000.00}. The original creditor is XXXX XXXX XXXX. The debt I assume was sold to Cach LLC for collections. the Law firm is trying to recover the debt on behalf of cach LLC. I have never taken a XXXX XXXX out from XXXX XXXX XXXX. XXXX XXXX XXXX told me that XXXX XXXX financed the loan. I called XXXX XXXX and they told me they have no record of me or that loan of {$24000.00} The thief who took out the loan used an old address that I lived in over 9 years ago ( XXXX XXXX XXXX XXXX NJ, XXXX }. I moved out in XXXX. XXXX XXXX XXXX told me The loan was taken out on XX/XX/XXXX. I Have lived at my current address for over 9 years. This fraudulent debt has been on my credit report for over 4 years. 2 years ago i asked Cache llc to validate the debt. they sent me a validation letter. I have not heard from them since, that was in XXXX, XXXX XX/XX/XXXX, XXXX I received a letter from XXXX, XXXX and XXXX. threatening to sue me if I don't respond in 30 days.
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| 11/02/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had a settlement agreement with LVNV Funding, LLC, with payments of {$49.00} being automatically debited every 2 weeks through XXXX XXXX XXXX XXXX. My ending balance on XX/XX/2020 was {$490.00} of a {$1200.00} agreed upon settlement. Payments abruptly stopped being withdrawn in XXXX I believe, I called XXXX XXXX and was told to call Resurgent. Resurgent told me there was no record of my account. I continued trying to find out what happened, while LVNV was added to my credit report in the full amount of {$1500.00}. I was finally able to get a hold of someone at Resurgent who told me they will not honor my original settlement agreement since it was through a different company. I was never notified of the change in processing companies. Resurgent wants to settle for {$1000.00}, virtually eliminating the {$710.00} I have already paid toward this debt. I have disputed through XXXX without success. I am not diputing the ownership, only the amount owed. I have a document from XXXX XXXX showing the ending balance owed on the settlement. What, if anything can be done? Thank you.
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| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/2020 LVNV Funding reported an account for collections to the credit reporting bureaus and damaged my credit, by not utilizing lawful practices. ( LVNV Funding XXXX. XXXX XXXX XXXX, SC. XXXX ). Original creditor is listed as XXXX XXXX XXXX. Balance due listed as {$700.00}. In Fair Credit Reporting, I received no communication from this company prior to this being reported on my credit. There was Never a Debt Validation Letter sent to me at my current address, prior to this account being reported on my credit report. Rather, this company knowingly reported this as a collection account first to the credit bureaus, damaging my credit, and then followed their reporting up on XX/XX/2020 with a payment request letter from LVNV Funding, at my current address, requesting payment in the amount of {$700.00}, original creditor listed as XXXX XXXX XXXX. Fair credit reporting was disregarded as this company knowingly reported this as a collection account on my credit report first, without providing me with a Debt Validation Letter and the 30 days to respond, as required by law.
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| 07/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
Servicemember |
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Around XX/XX/XXXX, XXXX XXXX XXXX allowed someone to open an account under my name, I never opened, approved, applied to this company or even spoke to them. Someone received a credit card for the amount of {$400.00} and immediately Maxed it out. I wasnt aware of this account until i received a letter from a collections agency demanding payment. The account closed after 120 days of non payment in XX/XX/XXXX, i have reported this numberous times to all three credit agencies and XXXX XXXX XXXX refuses to remove it. I have sent numerous requesting verification of the debt with no response over the last 6 Months. They are unable or unwilling to send any form of verification. I have spoken to XXXX XXXX XXXX directly and they refer me to the collection company that the debt was sold to, I have contacted the company many months ago and they removed the item from my credit report after my requests for verification were unable to be accommodated. I wish to see this removed from my credit reports and have since then placed a credit lock on all 3 credit agencies on behalf of myself.
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| 10/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received an email from CACH , LLC on XX/XX/2021 that stated as follows : Dear XXXX XXXX, The above referenced account has been placed in our office for collection. In order to assist you in resolving this debt, we can offer the following options : You may resolve your account for {$2600.00}. To accept, make your payment by XX/XX/2021.
I made a payment on XX/XX/2021 in the amount of {$2600.00} to XXXX XXXX XXXX who was operating on behalf of CACH , LLC. I was told that this matter was closed and would be removed from my credit report within 30 days. After 30 days it was still on my report.
I contacted XXXX XXXX XXXX on XX/XX/2021 to complain that I had not received a receipt for my transaction and this matter was still on my credit report. They in turn assured me that this would come off soon and sent me a letter stating that my debt has been settled in full and my balance owed to CACH , LLC was {$0.00}.
Today, XX/XX/2021, I received an email from another collection agency requesting a payment of {$5700.00} and offering a settlement option on behalf of CACH , LLC.
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| 11/03/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I noticed an account placed on my credit by this company and took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the company did remove the account from my credit in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ). Ironically they placed it right back which affected my score immensely. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!
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| 10/28/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On Thursday, XX/XX/19, I received a note in my door to call a telephone number within 24 hours re : needing to be served legal documents.
I called the number and left 4 voice mail messages. When the process server responded, he was rude - we set up a time for today at XXXX XXXX here at my house for me to receive said papers. It's now XXXX XXXX and this person has not showed up. I left another voice mail message to schedule a time to meet at our local police department tomorrow between XXXX XXXX and XXXX XXXX.
I XXXX what this could possibly be for as I know of no unpaid debts.
This directed me to review my credit report, which I did. There is one unknown company, LVNV funding. This could be the only possible source.
Because of reading how this company operates, I'm concerned this is a scam - hoping I will not dispute whatever this may be and they will simply be able to enter a judgement to garnish wages.
We have the ring, which showed this person, when they did leave the note in our door, did not knock nor ring our door bell. They simply placed a note in our door.
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| 09/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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In XXXX 2014 I attempted to obtain a verification of this debt that was reported on my credit report. They responded that they atempted to send me notice, albeit I never received any such notice. I offered them my current address to further substantiate the debt they say I owe. To date, I never received any further corrospondance and when I called them today to follow up, I was told that the account is in " dispute ''. Well, it has been in dispute since XXXX 2014. They state I owe {$2900.00} which I was informed is inflated due to interest however when I asked what interest they could not verify the charges, just that it has been 5 years worth. Per the FDCPA, i am entitled to know what charges I owe. LVNV has concluded they have complied with the FDCPA 's regulations however just saying that they have is not proof of their due diligence to satisfy my request. I am once again requesting proof of the calculations supporting the debt amount, The original creditors contract with my signature or a certified copy and a letter of assignment of my debt from the original creditor.
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| 10/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom it may concern l have been disputing this debt numerous times, ( XX/XX/XXXX ) with XXXX, also with the debt collection agency ( CACH LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX ) to no avail, mail was returned ( see attached ) when l called, l was told numerous times that name on the account and my name does not match, therefore they would not speak to me. ( Whilst still reporting the same account to my credit profile ) This debt collection agency playing tricks and re-ageing account as if l just opened the account ; ( see attached ) it was reported to XXXX in XX/XX/XXXX that l owed {$7700.00}, whereas ( Cach LLC ) would not talk to me about same debt, l try to sue in XXXX XXXX XXXX small claims court l was told, l need to file report with CFPB, then l can sue for misrepresentation and FRAUD.
l want ( CACH LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX ) to seize reporting unconfirmed debt to my credit profile and seize all collections, till they can proves said account belongs to me.
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| 08/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a credit alert from XXXX stating I have a new collections added. After reviewing I saw the Resurgent Capital Service was added. After doing more research I notice it was from XXXX, which I already settle and paid with LVNV. Thinking this was going to be an easy resolution, I sent a certified letter along with proof of the settlement letter to Resurgent. What I receive back was a debt validation letter. I know that was supposed to be sent before anything is placed on your credit report. I once again sent a certified letter stating my issues and demand this be taken off my credit report. Resurgent sent another letter asking for proof, both times I sent in the settlement letter, stating payment was received for this collection. I also requested the help with the XXXX with South Carolina and they still refused to remove the collections off my credit report. All I have is the letter stating this matter is resolved, I no longer have that checking account to provide it was debited out of my account. Resurgent did not follow correct procedures to verify this account!
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| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I sent the collection agency XXXX XXXX a cease and Desist letter which included the law ( 15usc 1692c ) on XX/XX/2023. I received communication back that they received the communication on XX/XX/2023. But yet I am still receiving communication from XXXX XXXX. I spoke to a representative on today at XX/XX/2023 at XXXX XXXX who verified they received the communication on XX/XX/2023. Also she updated the system. I also spoke with the original owner of this account lvnv Funding regarding this matter and they supposedly submitted a complaint up stated this action is unacceptable. I spoke to 2 nice representative regarding this unacceptable matter. They texted on XXXX XXXX, XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; and XX/XX/XXXX XXXX via text. Also XX/XX/XXXX via email. This is willful non compliance ( 15 usc 1681n ). They are harassing me and I'm stressed out this is causing emotional stress. This is real ridiculous and inconsiderate of this company and I think this needs to be handled accordingly.
|
| 05/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On or about XX/XX/XXXX I contacted LVNV Funding LLC, to dispute a debt they are reporting for XXXX XXXX. I am in formed them of my name : XXXX XXXX and also gave them my social and offered to submit ID and social security verification as an individual names XXXX has been using my social security number. When I called I was harassed by an individual name that XXXX who said that because the name that I provided did not match with the name on the account that she could not give me any information or take any steps to remove my information from my credit bureau. I explained to her that the reason that my name does not match his because this person took out credit with my social security number fraudulently and refused to take any steps. I requested a supervisor and I was placed on an eternal hold. this has been going on for 2 years. I put a lot of effort to clean up my credit so far have been successful with the exception of this particular agency. I feel that their misreporting and their refusal to address consumer disputes is in violation of the Fair credit reporting act.
|
| 07/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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XXXX has been listed on my credit reports since XX/XX/2017. They did not send me a letter per the fair debt collections practices act, giving me 30 days to dispute the alleged debt before they put this debt on my credit reports. Also, when I did send a letter to validate this alleged debt, they supplied me with paperwork about an account with XXXX. I am confused because the way they are listed on my credit reports, it is saying that it is for an XXXX account, both which are not my accounts. I have asked for an original instrument of indebtedness in its original form, with my signature on it, proving that I created this alleged debt and until this day, they have not sent me anything. They are also reporting to the credit bureaus, several times when I dispute this item on my credit reports, that this debt is being reported correctly but have yet to provide me with proof that this is an valid debt. They are also threatening to sue me in court and damage my credit rating for a debt they can not prove that belongs to me. I want this harassment from XXXX to stop immediately.
|
| 05/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
I was improperly served a summons to court at my rental property to a tenant. Then I filed a court document to stay them off that I had to pay XXXX or something to file since I was out of town for the court date. They gave Resurgent Capital Services a default judgement even though I followed legal docs on time Claiming they didnt have anything. It was delivered to the court before the court date. The amount of the judgement is as shown in paper attached file. XXXX. After getting the judgement I phoned attorney XXXX office and spoke to Resurgent prior to filing and XXXX office offered me a payment plan of XXXX a XXXX until paid off. I accepted and have my bank debit permission. Later I found out on my credit report that they say I owe XXXX or so dollars after deducting XXXX. The initial line of credit for the XXXX account was only XXXX Why are they allowed to charge sick usery overcharges for no reason and without proper notice??? The lawyers at resurgent claim its allowed when I contacted them. Please make them change it to the original amount. Please see attached doc.
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| 11/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer on the basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
|
| 06/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I noticed I have a negative account being reported on all three of my credit reports from XXXX XXXX. I have not had an account with XXXX since 2005. Their responses have been interesting. I requested validation of my debt and I did not receive anything with my physical signature. There is absolutely no original contract or paperwork. What they sent can be easily falsified and printed. This is not a validation of a debt. They gave me the run around. I requested proper validation twice with a response that they assume the debt is valid unless I do a third disputed letter. That's not how federal law works. I only need to send a request once. They also tried to give me the run around stating that they don't handle my account even though they're the ones reporting on my credit reports. It hasn't been very easy with them and at this point I am following my attorney 's instructions. I am reporting this to you, the CFPB, and the attorney general. I also request to get their Washington State 's representative 's contact information just in case I need to go to court. Thank you!
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| 10/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
in response to you're company from the letter you have sent, and a pile of statements showing from synchrony bank. under the fair debt collection practices act ( FDCPA ) its unlawful to design compile and furnish any form knowing such form would be used and create a false belief in a consumer. that a person other then a creditor of such consumer is participating in a collection of or an attempt to collect a debt. such consumer allegedly owes such creditor when in fact such person is not such participating. ( reference 15 usc 1692 j ( a ) ) Resurgent Capital Services is making a belief that the company is collecting for Synchrony Bank by sending alleged statements when in fact if the creditor was in attempt to collect a alleged debt they would not have sold out the debt to Resurgent Capital Services.
please provide and produce the following!
.a contract that i have with Resurgent Capital Services to show i have any business to discuss.
.total amount the Debt was sold for .audit trail for full accounting on and off ledger.
.Name and address of the original creditor
|
| 07/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Original Company : XXXX XXXX.
The latest collection agency, which contacted us by email, instead of USPS, which we have requested numerous times be the only form of contact, is LVNV funding LLC.
We cancelled our satellite and they refused to come get the dish. We could not remove it because my husband is XXXX. There was nothing in the contract that said when we terminated our subscription we had to go on the roof and remove the dish.
They threatened to turn us into collections. We sent them a certified letter on XXXX/XXXX/16, which we have a copy of, asking for documents that we signed that said we were responsible for climbing onto the roof and retrieving the dish. To date, no one has ever provided this documentation.
We have now been contacted by several debt collectors asking for money. Each time we respond in the appropriate amount of time, again, asking for documentation on the debt. We have never been sent any proof of debt.
This harassment has been going on for years and each time we ask for proof they send our account to a different collection agency.
|
| 08/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 12/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company insists on constantly reporting false and fraudulent debts on my credit report and is in violation of the FCRA. I have repeatedly requested through the credit bureaus to provide the contract bearing my signature engaging in a contract with the REPORTING company in order to validate any debt having that being the ONLY LEGAL VALIDATION of a debt per FCRA reporting. The LAWS are constantly being violated and this is now harassment and invasion of every privacy law in existence in California and Federally. I DO NOT OWE ANY MONEY TO this company and they are now falsely reporting this information violating the Fair Credit Reporting Act.A PROVIDE A DOCUMENT WITH MY " SIGNATURE '' let me repeat that ... MY " SIGNATURE '' ENGAGED IN A CONTRACT with said company for these fraudulent debts being reported or REMOVE from my credit file ASAP! ITS THE LAW! FOLLOW IT or be sued for damages! Third time this company is committing fraud on my credit file in past 3 years. They REMOVE the fraudulent reports and then fraudulently report new the fraudulent debts a year later.
|
| 04/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, an account with XXXX XXXX XXXX was opened for the amount of {$1300.00}. The primary borrower purchased a new home in XX/XX/XXXX and was no longer receiving statements from the borrower leaving the account delinquent. After approximately a year of no payment, the original debtor, XXXXXXXX XXXX XXXXXXXX XXXX, sold the account to XXXX , XXXX. XXXX , XXXX contacted the Clerk of Court XXXX County and Summons the borrowers to court to address unpaid balance. Both borrowers appeared in court in XX/XX/XXXX and went through mediation to resolve the debt. Each party agreed on an amount per month to satisfy debt. The Borrowers paid consitently on the account and the account was brought to XXXX balance in XX/XX/XXXX. XXXX County Court filed a motion dismissing the case as the borrowers satified their agremment. The borrower for the above account is requesting that this account be removed from their credit report. The account is showing as closed/ negative due to charge off. Debtor has paid balance and fufilled their obligation and this information is inaccurate.
|
| 12/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have a a unverified account from XXXX XXXX RESUGGENT CAPITAL SERVICES # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX RESUGGENT CAPITAL SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX I dispute the validity of the debt purport I owe. I request that PINANACLE LLC/ RESUGGENT CAPITAL SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINANACLE LLC/ RESUGGENT CAPITAL SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have repeatedly told these companies, the account have fraudulent activity and Im a victim of identity theft and accounts and charges arent mine 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
|
| 10/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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XXXX XXXX XXXX XXXX sold my financial information to a collection agency named LVNV FUNDING LLC without my consent. This is identity theft. They are a third party debt collector. I do not have contract with them. LVNV FUNDING LLC has been collecting on a debt already paid. They have been reporting false information to consumer reporting agencies. Pursuant to 15 U.S. Code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to furnish my reports to any consumer reporting agencies.
Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my social security card which is a negotiable instrument. 16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
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| 03/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I received a call today that was " unknown ''. They called 3 times in a row and left a message that I had been " served ''. I managed to catch the third call and was given a phone number ( XXXX ) and a case number ( XXXX ). The male I spoke with informed me that a civil action has been filed against me by XXXX Mastercard which I had from XXXX, saying that the complaint states that I got the card with the intent to defraud. First of all, this debt is XXXX years old. Secondly, I filed bankruptcy a year ago. He said that the debt was something like XXXX XXXX dollars. There is no way the credit line should have been this much. XXXX was sold to LVNV LLC, a debt buying agency. I researched this, can not pull up a phone number to match that above, but did find that the FTC had a case against the company that issues XXXX and the FTC won. As a result, there is an injunction against them filing anything on consumer 's credit reports.
I don't anticipate any further action, but felt that I should report this as it has probably happened to others. Thank you for your attention.
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| 02/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have contacted LVNV Funding whom is doing business as Resurgent Capital Services on a matter that pertains to my credit. I have been a victim of fraud. I sent LVNV/Resurgent a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. I filed a complaint with my local police department and put the information in my police report. Prior to sending the affidavit I sent a letter to LVNV/Resurgent Capital Services to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX XXXX ) and LVNV/Resurgent Capital Services disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay LVNV/Resurgent Capital Services and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
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| 10/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX bought charged off debt that I paid a credit repair company to remove from my report and even after I offer to pay the balance in full they will not remove from my credit report. It's less than {$1000.00} and all they will say is that it's not their obligation and I should have paid the original creditor when I had the chance and that they won't do anything to help me get it removed even though I've already paid to have this account removed. They talk in circles and choose which information they want to give you because each collector is just trying to get away with bad violations to fdcpa. They always say their managers are gone for weeks at a time and some won't even give their manager name. This company is the only collection company I've struggled with. I'm to the point where I would rather just not pay it so that XXXX and XXXX dont get the satisfaction after the way they treated me. I left several messages for a manager XXXX XXXX and he never returned my call. They are awful. I just want them to sell this account so I can work with someone reasonable.
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| 07/20/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX never sent me notice of this debt, and never gave me an opportunity to discuss or dispute the debt. Instead, they reported a debt to my credit report and sent the file to an attorney named XXXX XXXX, XXXX. This attorney then filed suit on me and had me served. I never knew the debt was in collections. After being served, I made contact and paid the debt through the office of XXXX XXXX, XXXX. I have requested that the collection account be removed from my credit report, and have been told that this is not a resolution they offer. I want XXXX XXXX to delete the account from my credit since it is paid. I will also begin contact with my State Attorney General 's office and will potentially sue this company for their business practices. Additionally, the " original debt '' was from a XXXX XXXX XXXX. This " bank '' reported the account to my credit as well. Both XXXX XXXX and XXXX XXXX XXXX are owned by the same company, and should not be able to report 2 separate entries for 1 single debt. I will also be filing complaints and potential suits against XXXX XXXX.
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| 08/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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XXXX XXXX has placed information on my credit report without sending me a dunning notice or validating the alleged debt when requested. I have sent two letters via XXXX with signature confirmation ( Tracking : XXXX & XXXX ) indicating that no communication what-so-ever was received from XXXX before the unvalidated information was placed on my reports. XXXX does not respond, nor have they corrected my credit report. Please note : From XXXX The management of purchased assets is outsourced to a third-party specializing in the management of these types of consumer assets, Resurgent Capital Services LP ( Resurgent ). Resurgent is a manager and servicer of domestic and international consumer debt portfolios for credit grantors and debt buyers, including XXXX, and performs these services on their behalf. Resurgent, a licensed debt collector, may perform these activities directly, or in most cases, will outsource the recovery activities to other, independent, specialized, licensed collection agencies.
This is why the complaint is addressed to Resurgent Capital Services LP.
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| 08/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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There are some derogatory collections on my XXXX, XXXX, and XXXX, consumer report. All of the debts are at least XXXX yrs old or more. XXXX company continues to report the wrong information. when asked to verify the accuracy of the accounts ( XXXX date delinquent, date account was opened. There is no accurate response. These are all unfair practices of this company. XX/XX/XXXX, I paid creditors off because I was trying to purchase a house. After I paid everything, my credit begins to increase. But in XX/XX/XXXX the collections emerged after years of no communication and being closed and charged off by grantor. They begin to post dates and amounts on the accounts that were not accurate. I requested verification for the date account opened, XXXX date acct became delinquent, original creditor info and when was account purchased. They have begun to post every month that I have been missing payments when the acct has no verified history. Now my credit is taking a big " XXXX '' all because of this company 's negligence. Please help me remove this information. Thank you.
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| 09/29/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. I received a letter from Resurgent Capital Services stating they took over an alleged debt from LVNV Funding LLC I never gave any consent to this none of this companies to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. I have proof of it and it will be attached to this complaint that Resurgent Capital Services is violating my federal CONSUMER rights pursuant the FDCPA laws mention above.
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| 10/17/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I had an account with XXXX for internet im on disibility my payee paid all my bills i canceled my service returned equipment and switched back to XXXX XXXX XXXX continued to charge me for service after i canceled when they was paid for the month i canceled so was actually overpaid this account was purchased by lvnv llc and placed through resurgent collection agency and put on my credit reports i called resurgent and disputed it and they told me that all i could do is pay it or they will continue to report it every month to the credit agencys as new acct and will never be removed i contacted lvnv and never got response i contacted XXXX they located my acct but said they couldnt have it removed because it was sold to lvnv advised me to dispute it and contact resurgent again and request they call XXXX to validate the account is owed i called they refused said XXXX would have no report of my account even though they do and again told me until i pay they will continue to report me everymonth and this will never be resolved until i pay even though i dont owe the money
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| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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LVNV Funding/Resurgent Capital has continued to harass me by sending me 6-10 letters at once about a debt that I don't owe them nor have they proved bearing my signature. I have sent them Dispute Letter, Debt Validation Letter, Cease/Desist Letter and Affidavit Of Truth showing their violations.
LVNV Funding, LLC/Resurgent Capital Services has violated my rights and continuely try to collect debt that I don't owe. 15 USC 1692c ( a ) states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may NOT communicate with a consumer in connection with collection of any debt. 15 USC 1692 b ( 4 ) states, NOT communicate by post card 15 USC 1692b ( 2 ) NOT state that such consumer owes any debt 15 USC 1692b ( 5 ) NOT use any language or symbol on any envelope or in the context of any communication effected by the mail or telegrams that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
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| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Account not mine, never done business with this company and I told them that, and now I have submitted police report and trade commission report 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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| 09/06/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In accordance with the Fair Credit Reporting act LVNV funding LLC ( resurgent ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature.
6. Please provide a complete account history, including any charges added for collection activity.
7. Cease and desist as this is identity theft.
For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
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| 12/21/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Resurgent Capital Services Original creditor : XXXX XXXX XXXX XXXX ID XXXX Amount {$340.00} Customer service department I am disputing the validity of this debt. The dates are incorrect.
XXXX XXXX XXXX XXXX XXXX has parked an old debt on my credit report and is Reporting it as a new debt, reaging my original debt. The date has been altered. As per enclosed letter from Resurgent Capital Services they can no longer sue me for this debt because of the age of the debt. The age has been adjusted making it appear only 3 years old and it is still posted on my credit report. This is in violation of the FCRA Act. I'm disputing this debt with you and with the credit reporting agency if these dates are not corrected I will be forced to sue for these violations along with actual damage, punitive damage, attorney fees and cost.
Copies to : File a complaint FEDERAL TRADE COMMISSION Headquarters Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX Telephone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 02/17/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have contacted Resurgent ( Third Party ) several time, to provide with my wet signature to contract with them on this alleged debt that was reported on my credit profile to XXXX XXXX, XXXX and XXXX without my written Permission.
Letter was mailed out on XX/XX/2022, requesting where I gave permission to report anything negative on my credit profile. 15 U.S.
Code 6802, 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 4 ), ( Letter Enclosed ) Letter sent out on 12/29/2022 requesting copy of contract with Resurgent, Copy of Itemized bill, Copy of my wet signature and copy of written authorization from me to report any negative items to my credit profile... Received a letter back from the collection agency stating that they are managing the account and sent out a copy of a computerized charges and non of the information I have requested above...
I would like these collection removed from my credit profile with all three credit bureau immediately because I have no contract with you and you are reporting fraudulent information about this alleged debt.
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| 05/15/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I had a credit card w XXXX XXXX for years, I got sick in 2017 which forced me to have 3 XXXX 2 major, one minor. Because of my illnesses I was XXXX I couldn't work which left me broke. I contacted XXXX XXXX and explained my situation, they told me that they had a hardship program for people like me and that when I initially received the card it was in the credit card contract agreement and that if I could verify my medical condition they would waive the debt so I sent them a 53 page medical report outlining all my Dr visits, Test, post op, pre op, procedures and surgeries. I received a letter from them about 6 weeks later ( that I still have a copy of that I'm including w this complaint ) basically saying they approved my hardship and waived my debt. Today I checked my credit report and they are still reporting it to the credit bureau negatively every month! I called them and they told me that were not going to take if off unless I pay the balance & they were rude as well, you would think w all this covid 19 pandemic they would be nicer and more coorperative
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| 01/11/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have made several calls to this company to resolve a debt for identity theft I was sent out a affidavit to sign and ask for a police report. I fax it over to the company back in XXXX at that time was told the police didnt have company name that I would need a new one. On XX/XX/22 I faxed over a new police which is now saying they havent. On XX/XX/22 I spoke with a very nice supervisor which reached out to the team that received the documents to find what was going on I was told to call back later to see if they responded since then I have called back and havent received no help. Today XX/XX/22 I spoke with a very rude supervisor by the name of XXXX where I was told she short staff I either wait for documents to be uploaded or pay the bill cause there nothing else she will be doing. I believe that was very unprofessional and rude her job is resolve the issues and do what they can to help customers I dont feel she was doing so. But moving forward due to her I rudely behavior I dont believe this company is taking the appropriate steps to clear up this account
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| 01/28/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I made this personal loan with XXXX in GA, back in XXXX, this was sold to a collection company named CACH , LLC. The last time I made payments to this account was in XXXX, then I lost my job and tried to pay it off i. XXXX, but the company didn't want to settle for what i had then which was {$5000.00}, later on in XXXX i offered them {$6000.00} and yet again they didn't accept it. They now are reporting this account with a balance of over {$8000.00} and with an open date as of XX/XX/XXXX! I was unemployed from XXXX until the XXXX when I moved out from GA. They're violating the fair credit reporting act, as well as they're ruining my credit to say the least. I have never received an official letter from them with a validation of this debt or any other document with my signature on it, is not fair they can manipulate the system the way they do it to get away with their unfair practices to ruin people 's lives and just for what? To make a few bucks! I demand for them to stop reporting this account, and to fix my credit, to close it and erase it from my history.
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| 05/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX has placed false reports on my XXXX credit report. XXXX XXXX XXXX has placed bought a debt from XXXX XXXX XXXX XXXX XXXX and is attempting to collect the debt from me by making false claims on my report. I never opened an account with XXXX XXXX XXXX XXXX XXXX or made charges using a credit card from XXXX XXXXXXXX XXXX XXXX, the original owner of this debt. Ive contacted XXXX XXXX XXXX and explained the situation but they respond by saying my dispute is false. I explained that Ive made several attempts to contact XXXX XXXX XXXX XXXX XXXX but they will not call me back nor answer my calls. I've left messages with XXXX XXXX XXXX XXXX XXXX trying to explain that this is a fraudulent account and asked for them to please contact me. I have never signed any application or made an attempt to open an account with XXXX XXXX XXXX XXXX XXXX I ask for XXXX XXXX XXXX to remove the fraudulent clams against me on my credit report with all three credit score reporting agencies until an investigation can be made to determine where these charges came from.
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| 07/17/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I am disputing a credit balance of {$740.00} currently reflected on my credit reports.
On XXXX XXXX, 2014, I spoke to XXXX, Employee # XXXX at XXXX XXXX Bank ( now sold to Collection Agency LVNV Funding ) and PAID my account IN FULL in the amount of {$440.00} Confirmation # XXXX. I even overpaid and received a refund check.
Upon speaking to XXXX, Employee # XXXX, on behalf of XXXX XXXX Bank, the following terms were agreed upon : XXXX XXXX Bank would debit my account {$440.00} on XXXX/XXXX/14.
XXXX XXXX Bank would ZERO the balance on my account upon receipt of funds.
XXXX XXXX Bank would provide me with a REFUND check which was received.
XXXX XXXX Bank would notify all XXXX credit bureaus that my balance is zero and the account is CLOSED.
Again, my account was debited {$440.00} on XXXX/XXXX/14 Confirmation # XXXX and I received the refund check for the overpayment of {$100.00}. However, my account was NOT reported to the XXXX major credit bureaus as CLOSED and with a ZERO balance. In fact, it was turned over to Collections LVNV Funding LLC in error.
|
| 08/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide to me verfication of this alleged debt. Verification consists of a formal declaration where you swearto the truths of the statements of the facts of the matter, having first-hand knowledge, and must be notarized.
Since this debt is disputed pursuant to the Fair Debt Credit Collections Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX.
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to your reporting information in my name to the consumer reporting agencies.
RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$1700.00}
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| 06/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX, XXXX filed Judgement with Superior Court of California, XXXX XXXX on XX/XX/2012 ; case : XXXX Platfiff : CACH , LLC XXXX against XXXX XXXX and XXXX XXXX XXXX. Before filing the judgement, the firm failed to follow prescribed procedures to deliver notices requiring debt. After I accidentally discovered the filing was placed with XXXX XXXX office, I was shocked! On numerous occasions, I attempted to contact the firm by phone and in writing to provide me the original documents to verify the debt. XXXX XXXX XXXX XXXX XXXX representatives either ignored me or kept on saying that the debt verification and confirmation would be sent over my current address, but I have not received anything what I asked ever since! I am convinced this is a Freud and would like to flag this firm for acting unprofessionally. I am really hopeful that CFPB will be able to help me resolve this situation and enforce XXXX XXXX to provide me with documents I have been requesting for many years. Attaching the very recent letter I sent to the firm which was yet again ignored.
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| 09/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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LVNV FUNDING LLC is a third party debt collector. I do not have a contract with them. They fall under the FDCPA. They have been collecting on a debt already paid. They are in violation of 15 U.S. Code 1692e.False or misleading representations and 15 U.S. Code 1692c - Communication in connection with debt collection. They have been reporting false information to consumer reporting agencies without my consent.
Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my negotiable instrument which is my social social security card pursuant to 15 USC 1602 ( l ) to Creditor XXXX XXXX XXXX XXXX.
16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
|
| 03/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Received letter on or about XX/XX/2017 from Resurgent Capital Services whom was collecting on behalf of LVNV Funding LLC a debt buyer. A validation of debt was mailed on XX/XX/2017 and received on XX/XX/2017 requesting a validation of debt that included that agency provide the following : original signed contract to verify my signature notice of the right to collect on the debt amount of the debt amount paid if debt purchased original creditor address of original creditor The only information that was provided to me was a print out from the collection agency system that says Account Summary. Written request was sent multiple times requesting the above following information without any response. The collection agency LVN Funding continues to report to the credit bureaus and a dispute has been sent to the credit bureaus with a notification of validation of debt verified. Letters were sent with copies of the Print out sent by the collection agency nothing from the original creditors but the agencies fail to remove the negative incorrect unverified information.
|
| 10/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On XX/XX/18 I filed a dispute in regards to several incorrect items that were on my credit report. Most of the items have already been corrected. However, the erroneous collection from XXXX XXXX XXXX for {$9600.00} has yet to be removed from my XXXX report. I have had no business dealings with this company, nor have I signed a lease or any type of rental agreement with this company. I have already contacted XXXX and XXXX about this matter and after their investigations they both found that the record was invalid and removed the collection from my record. On XX/XX/18 I received a letter from them stating that they can't sue me because the account in question is too old. I have called XXXX on multiple occasions disputing the collection. I also sent them a certified letter stating the same. I am in the process of purchasing a house and this is the only thing holding it up. It would be greatly appreciated if you could look into this matter and get this closed, so I can get it removed from my report. Thanks so much for your help and I hope you have a great day
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer reports as they are in VIOLATION!!!
Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 07/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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In the attachments is a record of me and XXXX and XXXX XXXX XXXX. Initially I received collection letter from XXXX XXXX XXXX and I wrote back requesting validation from them. They never wrote back then I received a letter from XXXX stating that they are the ones collecting and that XXXX XXXX XXXX is just servicer. That was just a stall tactic. I sent out another validation letter requesting proof that I owe the debt. XXXX wrote me back and stated in their letter that they sent all the documents that I requested in the envelope. When opened the letter, the only thing that was in there is XXXX paper that look like a bill. Everything I requested was not in the envelope. It takes money to send out these letters, so I am doing it through this CFPB channel. Everything XXXX claim they enclosed please send through this portal because I did not receive it by mail. If you cant present these documents that I requested please cease all collection. Please cease and desist on all mediums. Send me a letter that I am not responsible for this debt. everything is attached
|
| 10/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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I had an account with XXXX for internet im on XXXX my payee paid all my bills i canceled my service returned equipment and switched back to XXXX XXXX XXXX continued to charge me for service after i canceled when they was paid for the month i canceled so was actually overpaid this account was purchased by lvnv llc and placed through resurgent collection agency and put on my credit reports i called resurgent and disputed it and they told me that all i could do is pay it or they will continue to report it every month to the credit agencys as new acct and will never be removed i contacted lvnv and never got response i contacted XXXX they located my acct but said they couldnt have it removed because it was sold to lvnv advised me to dispute it and contact resurgent again and request they call XXXX to validate the account is owed i called they refused said XXXX would have no report of my account even though they do and again told me until i pay they will continue to report me everymonth and this will never be resolved until i pay even though i dont owe the money
|
| 01/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/2019I discovered a credit card with XXXX XXXX XXXX, XXXX. was on my credit report. I called XXXX XXXX XXXX, XXXX. and discovered this card was opened by a family member using my social and credit to open this card. The family member was an authorized user and was in possession of both cards as there address was used for the account. I never authorized for my Name / social / credit be used to open this account. I reported this to XXXX XXXX XXXX, XXXX. and the account was to be closed and at no fault to me. Now I have LVNV Funding LLC reporting debt of XXXX for such account on my credit report as a collection. I have submitted disputes over this debt reporting the account not belonging to me and have not received any proof of ownership of this debt, not one signed contract, nothing. Now I am receiving a letter in the mail from Resurgent Capital Services L.P. trying to collect this debt that does not belong to me telling me they will get a judgement against me and mail it to me? I did not open this account and handled this with XXXX XXXX XXXX, XXXX.
|
| 11/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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XXXX XXXX took over my XXXX dollar credit card account from XXXX XXXX XXXX I missed a payment and they started threatening me and harrassing me by countless phone calls and mailings. they even threatened with a law suit. and now its doublled to well over XXXX dollars. I have contacted them telling them my health is declining rapidly and I am on both XXXX and XXXX. I have even sent them doctors statement as well as copies of my income My neck and spine is degenerating and narrowing and i have allready had 1 XXXX XXXX on it. There is nothing more they can do and I will eventually wind up in a wheel chir. Neither of wich matter to them. They keep increasing the debt owed even though I told them there is no was to pay them back.. They told me communications would cease but yet they increase the amount owed?? My credit is not the greatest XXXX XXXX and XXXX XXXX XXXX and its due in part to this credit account. Any information you may need you can email me at XXXX my private email address.
Thank you both for your time and attention to this matter.
XXXX XXXX
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| 10/15/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
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|
Web |
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I originally took out a loan with XXXX XXXX XXXX on XXXX XXXX, XXXX. Due to paycuts at work and the birth of my child I found myself regrettably unable to repay the loan in question. On XXXX XXXX, XXXX XXXX XXXX XXXX closed my account and charged off the balance due, which at that point was {$2900.00}.
However, a debt collection agency by the name ofLVNV FUNDINGXXXX XXXX, XXXX ( XXXX ) XXXXAcquired the old debt and began harassing me with numerous phone calls and letters about this old debt in which I informed them i was unable to pay.
I noticed on my credit report that they show this account as having gone delinquent on XXXX XXXX, XXXX which is entirely false. It original went delinquent on XXXX XXXX, XXXX and in informed them that this was improper " re-aging '' of an old debt to which they never responded.
They 're also adding late fees to this account which I did n't think was allowed by law when a 3rd party such as LVNV buys an old debt. They 're saying I now owe {$4300.00}!!!
Please help me, I 'm at my wits end with this company.
XXXX XXXX
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| 08/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Yet again, Resurgent Capital Services have failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged accounts, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copies of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete, and represents a very serious error in your reporting.
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| 11/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
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In XX/XX/XXXX I started a loan with XXXX. They insisted that the first loan payment needed to be drawn directly from my bank account, but said I could change the payment option to a credit/debit card after.
After taking the first payment of the XXXX loan, I tried to change the payment method, but they refused to accept any other method of payment. At the time I had other banks and credit cards I could have used for loan payments to XXXX.
They continued to charge and ultimately overdraw the account, the bank account is now closed.
The XXXX charged off and closed, and is now in collections from LVNV Funding.
https : //www.lvnvfunding.com I'm aware of an XXXX settlement lawsuit from the FTC, and I've tried to contact LVNV about the settlement, but they refuse to stop collections activity.
XXXX has removed their records off of my credit report, LVNV is still listed and active.
I have paid about {$4000.00} to this loan before it was charged off, I am unable to get detailed records because XXXX has removed their information off of my credit report.
|
| 09/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
I have disputed a an electricity bill that I paid in XX/XX/XXXX, the utility company wanted to charge a redeposit fee of {$270.00}. I did not agree and sought another service provider. The reason this happened was due to me being displaced from an act of God a Hurricane XXXX. I am still not in my home and this is the only negative remark that is unfair not accurate and is impacting me negatively as a home owner and US Veteran Business Owner. I have tried to pay the Alleged amount owed under protest on XX/XX/XXXX only to have my check returned. I will forward the documents as proof. This agency can not have it both ways and this last act only affirm what I have always maintained. This is not a legitimate claim and should not be on my credit profile. In addition to this complaint I will be forwarding a formal letter to the Three major credit reporting agencies with supporting documentation. I need to be treated fairly based upon the Fair Credit Reporting Statute. This has not been the case as it relates to this issue. My documentation supports my argument.
|
| 04/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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|
XX/XX/XXXX I requested debt validation on a debt that is reporting inaccurately on my credit report.
LVNV FUNDING LLC/RESURGENT CAPITAL SERVICE account # XXXX**** I received a letter dated XX/XX/XXXX stating VERIFIED.
XX/XX/XXXX I requested METHOD OF VALIDATION. I then received a statement. I did NOT request a verification, an old bill or an account summary. I requested debt validation ( proof that I owe the debt. I received a statement once again.
XX/XX/XXXX I sent another letter certified which was received XX/XX/XXXX signed by XXXX XXXX. No response as of XX/XX/XXXX.
XX/XX/XXXX I called XXXX, spoke with a " XXXX ''. Explained everything above. XXXX advised me to contact LVNV FUNDING directly.
I tried calling LVNV but wasn't able to speak with a live agent.
As a consumer Im furious that both the credit bureaus and this collection agency ( LVNV ) continues to stall me out. Im seeking immediate attention as it should be handled in a timely and accurate manner.
I demand this inaccurate reporting be REMOVED/DELETED from my credit file immediately.
|
| 05/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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|
XXXX , XXXX started sending me letters in XXXX but their address has changed a few times since then, making it hard to contact them. They finally sent a letter at the end of XXXX of XXXX stating that they would sue me for the supposed debt that they claim I owe them. After finding out a way to actually contact them, which according to their own website would have to be through Resurgent Capital Services, I sent them a letter on XX/XX/XXXX requesting that they validate the debt but their response, which was mailed out on XX/XX/XXXX, was just printouts of old statements from the original creditor. I responded on XX/XX/XXXX to their letter telling them that what they sent me does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation and that they are now in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act for still reporting invalidated and inaccurate information on my credit report. I have not heard back from them since then but they have continued reporting on both XXXX and XXXX.
|
| 06/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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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.
|
| 03/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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|
The attached complaint sets forth all of the claims involving the deceptive nature in which LVNV Funding , LLC brought its case under index # XXXX. Naming a plaintiff as " LVNV Funding , LLC XXXX XXXX XXXX '' is a deceptive practice because that entity misidentifies the creditor, is not licensed, lacks authority, and implies more of a direct relationship than exists between LVNV and XXXX XXXX. A federal case annexed to the attached complaint clearly states a cause of action for that tactic under the Fair Debt Collection Practices Act. XXXX XXXX challenges LVNV 's legal right to sue her in the first place. Upon information and belief, LVNV failed to secure a valid chain of assignments before it sued XXXX XXXX. New York courts are very concerned about debt buyers who do not and/or can not produce a valid chain of custody.
XXXX XXXX also contends that LVNV added pre-judgment interest to her debt but it lacked contractual or statutory authority to do so.
XXXX XXXX was not given valid notice of any assignment and any meaningful right to demand validation.
|
| 11/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 12/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I send XXXX XXXX XXXX in 2nd weeks XX/XX/2018 and I didn't get any respond I send my 2nd letter certified mail on the XX/XX/2018 to same address then they respond. I asked for a list of information and to validate the debt with my signature, electronic recording etc. that they claim is mine ( reference ID XXXX amount {$1200.00} ) and they refuse to provide those information and ignoring my request but yet still they still reporting to the credit agency which also as long as there's an investigation all reporting and collection should stop which they didn't comply which any FCRA laws and violate my rights as a consumer. I can't get no funding or any kind of approvals to help better my life due to fact they have ruin my credit and still is at this present time. if they can't abide by FCRA laws I demand they remove it and all negative remarks to be removed from my credit profile which have been destroying my life. I will include copy of the 1st and 2nd letter that was sent without my personal info on it. looking forward hearing from you, thanks in advance.
|
| 01/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have been trying to get this account updated for almost a yeaer now and it is very stressfull and unfortunate that these companies can report false information and hurt peopples credit with out any compassion or anything. The credit bureas XXXX and XXXX are supposed to do their job and they have failed horrible at that. They " verfied '' false information, how? They either lied about it or they are just ok with breaking the fair credit reporting act laws. Or maybe they actually did investigate it and LVNV is the debt collection company that's lying on my crdit? I wouldn't know because they also haven't sent me any debt validation paperwork for almost a year. They make it so difficult to function. Like i know the information is not accurate yet they still report it and tell me yes it is accurate. They have proof that it isn't right and they don't care. I even told the bureaus that they are reporting a dupication account and they don't care at all. My next steps has to be a FTC complaint and then consumer finace litigation i don't know what else to do.
|
| 11/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX isnt doing a proper investigation for accuracy because XXXX XXXX XXXX have inaccurate information and also I ask XXXX XXXX XXXX states they have ownership the account when I ask them for proof from the original creditor of the debt, license to collect, a contract stating that I owe them with my signature they failed to respond to my Letter that was send to them certified mail and is was notarized. The credit bureau ( XXXX ) are violating the FCRA ( They refuse to correct information after being provided proof of inaccuracy ), Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) .and XXXX XXXX XXXX is violating the law by ( They fail to report a disputed debt to the credit bureaus ) thats FDCPA, ( They have not validated your debt and they still continue to report to the credit bureaus ) thats FDCPA , ( They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency ) thats FCRA
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This strange collection on my credit report I have no relationship with the debt collector and dont owe them a debt.
They need to prove to me that they are the owner of this alleged debt with a contract or some purchase contract who they are saying they got this alleged debt from.
If they have bought from another debt collector I want to see the chain of assignments going all the way back to this original creditor.
If they can not provide any of this, then this is identity theft and defamation of character.
They are also reporting inaccurate to the credit reporting agencies that do not add up.
LVNV FUNDING LLC Account Number XXXX The date of the last activity does not match. XXXX is reporting the date of the last activity as XXXX/XXXX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off.
They are breaking the law by reporting inaccurate information to the credit bureaus.
|
| 02/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am a victim of identity theft and i mailed this letter to the company and i went on the company website to send this letter. and when i did. i was violated because i am sending a cease communication and the ONLY way for me to submit the email was to consent for communication. and there was NOT an OPTION to opt out on ALL COMMUNICATION with the COMPANY.
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : XXXX Dear XXXX XXXX XXXX, I am responding to your contact about a debt you are attempting to collect. You contacted me by PHONE, on XX/XX/2023 AT XXXX XXXX CST and MAIL dated XX/XX/2023. You identified the debt as LVNV FUNDING LLC.
Please CEASE all communication with me and with this address about this debt.
Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Thank you for your cooperation. Sincerely, XXXX XXXX
|
| 11/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am writing to express my disappointment with the inaccurate credit reporting done by XXXX XXXX XXXX XXXX. This reporting has severely damaged my financial situation. On XXXX, I noticed a new account on my credit report that I did not open. I immediately sent a notice to XXXX XXXX XXXX XXXX, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, XXXX XXXX XXXX XXXX has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that XXXX XXXX XXXX XXXX immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If XXXX XXXX XXXX XXXX does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit in Federal Court.
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After reviewing my credit profile XX/XX/2023 identified a discrepancy with accounts listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 3rd validation letter was sent out on this day. After reviewing credit report XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please stryke and remove his account from all 3 credit bureaus until adequate validation has been received proving that they account belongs to me and all information is correct.
|
| 11/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was hospitalized and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being near death, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides medical and cosmetics surgery. I can not name names, do to the fact that I was in the hospital and under sedated. The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX.
This has caused great discord and inconvenience. Company never verified the account information prior to submitting it to my credit report.
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The following account is showing on my credit bureau. I have no knowledge of this account. I have been a victim of name fraud- there have been multiple accounts and claims made in my name. This company has not provided me with any information, or a copy of the application to have this added to the police report. I did not open an account with this company in XXXX as it is reporting on the bureaus. I have now been denied a student loan due to this fictitious information. I had disputed the information with the bureaus and was told it meets fcra requirements even though no documentation has been provided. I have attached the police report referenced above.
Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$4900.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance - Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
|
| 11/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Account Name : LVNV FUNDING LLC Account Number : XXXX Balance : {$950.00} This letter is a formal complaint against LVNV FUNDING LLC, a collection agency located at XXXX XXXX XXXX XXXX SC XXXX .They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies.
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts.
Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.
|
| 10/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My wages are currently being garnished from a charge off on my credit card back in XXXX. The original creditor was LVNV funding LLC, which was taken over by XXXX XXXX XXXX XXXX in XX/XX/XXXX. The original complaint was filed on XX/XX/XXXX, and my case was taken over by two judges since then. I received a letter in the mail on XX/XX/XXXX, informing me that my wages were going to be garnished from my job. The letter contained information that XXXX was notifying me that a Writ of Garnishment has been received as of XX/XX/XXXX. During the period of the two judge transfers starting on XX/XX/XXXX, no action was taken. My question is I never heard anything until just recently that the case was reopened after five years. Why am I being garnished after five years of no contact? They are wanting {$9200.00} when the last amount of charge off was {$5700.00}. I'm not sure what to do at this point. The amount of {$180.00} has been garnished from my XX/XX/XXXX paycheck. I can not afford 25 % taken from my paycheck every two weeks when I only make {$2200.00} a year.
|
| 07/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
LVNV Funding LLC has been listed on my credit report as a collection in the amount of {$2600.00}. LVNV FUNDING LLC is reporting a collection account that does not belong to me. Nor do I have a binding contract with LVNV FUNDING LLC to pay this " debt. '' There was no investigation by the credit reporting agencies to confirm this account. LVNV Funding LLC has not furnished any documents proving this account belongs to me.
Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if LVNV FUNDING LLC is unable to provide me a copy of verifiable proof, they must delete the account listed on my credit report.
|
| 06/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, for the past year or so I have been getting letters attempting to collect a debt from XXXX from the resurgent companies of debt collection including, LVNV Funding and Resurgent and now XXXX and XXXX the XXXX law firm. I have disputed all these attempts and sent verification requests which have either been ignored or once they sent an alleged copy of a monthly statement and have repeatedly ignored my requests for actual verification of debt and their legal ability to collect it, including an original contract, a purchase agreement for the debt from the original creditor, and more against the fair debt collection act. It seems that after I request verification they just transfer it to another company within their network to avoid the verification request or send not up to power verification.
This is my last attempt to stop this harassment before seeking legal remedy for violations of the fair debt collection act.
I would appreciate your help to stop this illegal collection techniques and efforts.
It says the original file number is XXXX
|
| 06/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received was served a summons XX/XX/XXXX from LVNV Funding. I do not owe LVNV Funding any money nor do I have a debt with this company. I have any outstanding debt with XXXX XXXX XXXX. I enrolled in a debt consolidation program XXXX, XXXX with XXXX and have made every payment timely. This XXXX XXXX XXXX debt is part of my debt consolidation.
I received a letter from XXXX XXXX XXXX XXXX XXXX and XXXX dated XX/XX/XXXX. I contacted the office XX/XX/XXXX to explain I do not owe LVNV Funding and I am currently enrolled in a debt consolidation program ( I will complete the program in XXXX, XXXX XXXX.
The Law Office of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX I spoke to XXXX and tried to explain I am in a debt consolidation program and the debt will be settled with the original creditor. XXXX became rude and hung up in my face. I then contacted XXXX and gave them the information. This is unacceptable and I would like this matter published and handled. The lawsuit is bogus I do not owe LVNV Funding any money!
|
| 03/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
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On or around XX/XX/XXXX I recieved a letter from an Attorney ( whom I do not know ) telling me that he, upon reviewing a hearing docket for Magisterial District XXXX ( XXXX XXXX, Pa. ), discovered that LVNV Funding ( a debt buyer ) had filed a debt collection action against me XXXX. There was no direct communication from the debt buyer,. Had it not been for this attorney I would not have known about this action. I sent the debt Buyer a " Letter of Discovery '' asking for the origin of the debt, original date, last payment etc. It was sent certified mail XX/XX/XXXX ( and recieved by the company ) .There has been no reply. The hearing was set before a XXXX in XXXX XXXX on XX/XX/2021. This is over 300 miles from where I live and could not make it to such a hearing. I also have reason to believe this debt ( which I have no record of and could not find on any website or Credit Report ) is an old debt and now covered by the Statute of Limitations. The Credit Buyer has seemed to have been acting in a completely underhanded manner about the entire affair.
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| 08/28/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am currently writing in to dispute a charge that comes up on my credit for XXXX XXXX. I have never had an account with XXXX XXXX and I do not owe a debt to XXXX XXXX I have asked repeatedly that the company remove the information that is enormously listed on my credit. It shows that the creditor is XXXX XXXX XXXX. I have asked XXXX to provide a contract that I signed with them and they are not able to verify that information and or provide actual documents that I show that I had a contract directly with them. The company has repeatedly sent notices of collections using harassing language but again has failed to provide a contract signed by me with XXXX XXXX and because of that there is no validity to the debt that is showing up on my credit report. XXXX XXXX has repeatedly failed to provide the proper documents and by law a third party agency can not collect on a debt not belonging to them. If the information is not removed from ALL Credit Bureaus I plan to seek further legal action in getting the information removed from all 3 credit bureaus!!
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| 03/16/2016 |
Yes |
- Debt collection
- I do not know
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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Lvnv funding obtained a default judgement against me, I was never served. I found out when I received a letter from my bank ( see attached subpoena ) dated XXXX XXXX, XXXX. I was never aware of such a serious issue. I had no knowledge of the original creditor or amount in question. I looked up LVNV & contacted them at this number XXXX to ask for proof of the obligation. I also went to the court house on XXXX XXXX, XXXX, to request a copy of the original file. According to the clerk, based on her receipt the summons was taped to my door around end of XXXX or early XXXX of XXXX. I did not receive the summons that is why I was not aware of the court date which resulted in a default judgment. I made a request on XXXX XXXX, XXXX of the original file & I 'm still waiting for the file from the court. On XXXX XXXX, XXXX, I went to pay my mortgage, I found out that my checking acct along with my dayghter 's have been frozen. The bank representative notified me of a writ of garnishment order that was received from LVNV funding on XXXX XXXX ( see attached ).
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| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I have sent several letter to the debt collector LVNV FUNDING, and they haven't responded to my correspondence. The last two letters I sent was on XX/XX/XXXX and XX/XX/XXXX. I ask them to validate the debt they state I am owing and if that can not be done, then please remove the item from my credit report. They have done neither of these.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/XXXX XXXX XXXX, XXXX, AZ, XXXX **PROCESSED THROUGH USPS FACILITY, FebXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX **XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX **XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, AZ, XXXX
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| 03/25/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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since XX/XX/XXXX I lost my credit one credit card. I know it had a zero balance.
This card was closed with a XXXX balance and statement to prove i do not owe. XXXX XXXX removed from my credit report, however LVNV funding who they partnered with did not. originally both were trying to come after me for the same amount over {$570.00}. Which I did not owe. I have sent letters and email and proof on both ends that this is illegal and extorting since there was no amount owed. I have lost over 50 points on my credit because of this denial of a home. I refuse to pay this debt that I do not owe. I spoke w 7 XXXX 2 wees ago XX/XX/XXXX. Which they said they would remove after almost 3 years of fighting. they gave me the XXXX as remove. now XXXX it has not been removed and everytime I call they hang up on me and say they can't help me. I do not owe this amount and I have not charged anything on this card since i lost it in the mist of moving from XXXX to XXXX that same week. I have tried to contact over 27 times each company and have not had any luck.
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| 05/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX has listed a {$610.00} collection to my credit report. The debt source is accurate, however the balance is not. The final high balance of that delinquency does not match the collection amount.
I have paid this debt and have sent mail to XXXX XXXX asking about the debt however have not received a response. ( Both electronic and snail ) 15 U.S. Code 1681i states that Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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| 01/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have requested removal of an unverified debt multiple times and have not received any documentation or proof of the alleged debt. CACH , LLC is reporting a collection account on my XXXX credit report in the amount of {$2100.00}, yet has never provided any verification or validation of the debt, nor responds to my requests for information on the debt. The account was investigated and deleted by XXXX and XXXX, yet continues to be inaccurately reported XXXX. I have mailed validation request letters, along with copies of the deletion by the other credit bureaus, to XXXX directly on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they refused to provide me with any documentation showing they have investigated and verified the account. I have also requested validation of the debt directly with CACH , LLC on XX/XX/XXXX and XX/XX/XXXX but have received no response. This is a clear violation of my rights under Section 611 ( 5 ) ( A ) of the FCRA and the account must be deleted from my credit profile in order to accurately reflect my true credit history.
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| 09/13/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Agreement was reached to settle two separate debt accounts with XXXX XXXX. I purchased two separate certified checks through my bank on XX/XX/19 payable to XXXX, each printed with the corresponding account number. One was for {$260.00} and one was for {$310.00}. I sent the checks together in the same envelope via certified mail with signature confirmation on XX/XX/19 to XXXX XXXX. I received confirmation that XXXX XXXX received the check for {$310.00} and my debt for that account has been settled on XX/XX/19. I called to verify that they received the {$260.00} check and they stated they did not. I explained how I mailed them together and they denied that they lost the check but they would look into it. I called twice more since then and they deny ever receiving the check. I have verification that the money has been withdrawn from my bank account, copies of the check sent, and copy of the fact that it was sent via certified mail. I called for the last time on XX/XX/19 and they again denied they ever received the check and they could not help me.
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| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX balance {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported XXXX XXXX balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle Portfolio Recovery balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle LVNV FUNDING LLC balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle
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| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation auto loan not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX FCRA Violation other accounts not mine XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX LVNV FUNDING LLC LVNV FUNDING LLC FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/23/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This complaint is in regards to a debt that has been on all three of my credit reports since XXXX.
I have sent countless letters to LVNV Funding, LLC c/o Resurgent Capital Services asking them to provide me with a copy of a SIGNED copy of a contract exclusively between me, XXXX XXXX, and LVNV Funding c/o Resurgent Capital Services stating a payment contract for repayment.
This debt was originally held by XXXX XXXX XXXX. The debt was then sold to several different collection agencies over the past few years before being transferred over to LVNV Funding LLC c/o/ Resurgent Capital Services. I have sent correspondence ( via certified mail ) asking this company to provide me with a written and signed contract. To this day, I still have not received these documents. Every time I request this documentation, they send me a statement.
I have sent letters to this company on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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| 09/28/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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A fraudulent debt collector fraudulently opened a delinquent credit account under my name. I contacted XXXX directly after it appeared on my credit report as a collection, and during the conversation, XXXX noticed that I didnt even have a delinquent account, past or present, from the bank that this fraudulent credit agency reported. The account was created in thin air because there was NO past accounts from the bank reporting any unpaid amounts. And now Im the one that has to PROVE that the account never happened, YET THE FRAUDULENT collection agency NEVER had to PROVE anything to report a fictional account. Something is very WRONG with this situation, these credit agencies are supposed to be PROTECTING us from this abuse, not aiding in it and accepting it without any viable documentation of proof. Stop ALLOWING These bogus debt collectors from creating fictional accounts. It truly is pathetic.
The name of the fraudulent debt collector is LVNV FUNDING LLC, also go by the name of Resurgent Capital Services LP, XXXX XXXX XXXX, XXXX, SC XXXX.
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| 06/11/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently pulled a copy of my consumer report and noticed that there was an account with LVNV. I have contacted the company requesting documentation that they sent a notice out to me, requirement of the FDCPA, because I do NOT owe this alleged debt to them. I informed them that they have violated my federally protected consumer rights, violated federal law- FCRA and FDCPA and committed criminal attacks against me.
As required by the requirements of the FCRA, furnishers and reporting agencies both must use reasonable procedures, which the CRAs did not do prior to placing this fraudulent account on my consumer report. The inaccurate reporting on my consumer report is also a violation of the FCRA 's requirements of accuracy.
In addition to the violations committed by the company, the CRAs are just as liable because they did not uphold the requirements of federal law in using reasonable procedures in investigating my disputes, ensuring maximum accuracy and confidentiality. The CRAs conspired with the company to cause financial damage to me.
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| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear Credit Bureau, My Name is XXXX XXXX XXXX XXXX, XXXX XXXX and mailing address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX.
This letter is a formal complaint that the following creditors are reporting inaccurate credit information : 1- XXXX XXXX XXXX XXXX XXXX ( LVNV Funding LLC ) 2- XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 3- XXXX XXXX XXXX ( XXXX XXXX XXXX ) DO NOT RECOGNIZE I am very distressed that this company has included the below information in my credit profile, due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on these reporting creditors part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a several credit cards and business loans, which was highly embarrassing and has negatively impacted my lifestyle.
With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.
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| 05/22/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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LVNV funding and XXXX is in violation of the fair debt collection act they refuse to remove this collection account from my credit report when i asked LVNV for something bearing my signature that this account belongs to me they provided me a PDF account numbers were incorrect the statments they sent were contain errors in spelling my name looks like it was editted its to close together the r in for looks like this is a fake document.. i will not pay this account because they failed to verify with proof that this account belongs to me my social isnt anywhere on this document. nothing with my signature. this company is in violation of the fair debt collection act and i ask that this account be removed from my credit report because it is making it very hard to get approved for credit when they are reporting this inaccurate information on my credit report ( which is a violation of up to XXXX $ ) they refuse to provide anything bearing my signature and i ask you the CFPB to help me get this inaccurate information removed from my credit report.
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| 03/29/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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LVNV FUNDING LLC. RECENTLY RECEIVED A PROFF OF VALIDATION LETTER FROM ME ON XX/XX/2022. IN THE LETTER I ASKED TO RECEIVE AN ORIGNAL SIGNED CONTRACT BETWEEN MYSELF AND LVNV FUNDING LLC. ON XX/XX/2022 I RECEIVED A LETTER FROM XXXX XXXX XXXX SAYING THAT THEY WERE NOW THE COLLECTORS OF ALLEDGED DEBT AND TO WRITE THEM IN RESPONSE TO DISPUT THE DEBT. I CERTIFIED MAILED THEM THE FOLLOWING DAY DISPUTING ALLEDGED DEBT. ON XXXX XXXX I REVIECED ANOTHER LETTER FROM A NEW DEBT COLLECTOR, RESURGENT CAPITAL SERVIECS, SAYING THEY WERE IN FACT THE NEW COLLECTORS TRYING TO COLLECT ALLEDGED DEBT AND THAT I HAVE THE OPTION TO PAY THEM OR DISPUTE THE DEBT. THEIR PROOF OF VALIDATION WAS NOT THE PROOF THAT I ASKED TO RECIEVE IN MY ORGINAL LETTER TO LVNV FUNDING LLC,. THEY SENT ME AN ALLEDGE BILL INSTEAD OF FACTUAL EVIDENCE. EACH COLLECTOR THAT I HAVE RESPONDED TO HAVE STOP COLLECTION ON DEBT AND IS ACTIVELY RESELLING THIS ALLEDGE DEBT. I WANT THEM TO CEASE AND DESIST. AT THIS POINT IT IS HARRASMENT AND I WANT THIS COLLECTION TO BE REMOVED FROM MY CREDIT REPORT.
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| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I already disputed this item with your firm. The company sent me an answer and you then closed the investigation. However, the legal and credit reporting issues were not resolved!
LVNV/Resurgent claims they were in accordance with FDCPA section 809 ( 15 USC 1692g ) and applicable state laws when they sent me information that in this day and age can be magically and professionally printed on any lazer printer! This information was simply " an account summary, terms and conditions, and bill statements 'on file ' "! This does not legally verify this debt as mine! Where is the documents THAT VERIFY MY IDENTITY in relation to this account? Where is the signed contract? Where is the valid ID or driver 's license? Where is the social security card? These documents are needed to LEGALLY verify any clients/customers identity as stated in the PATRIOT ACT! And since your firm, The Consumer Financial Protection Bureau HAS NOT forced them to comply and then closed the previous case I will sue you as well as Resurgent in court if this is not resolved!
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| 09/04/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have recieved A response from the named company stating I owe A debt taht i have no knowledge of. I filed A complaint against this company because they are reporting inaccurate information. When i requested proof of debt I was sent A credit card statement. Which is NOT proof of debt. Tis shows that somebody used my name or information and received A card in my name. I have not recieved A signed contract nor copy of my drivers license to show and prove that I am the party they are trying to collect on. I have stated now for the second time that i have not had any contracts, services or cards with this company or the named company on the statement they " Credit one '' Additionally I would like to add the address they have listed on the statement is not my address. However as of today they are still reporting this incorrect information even after I have informed them that this does not belong to me. This is my final complaint in an attempt to have this company remove this incorrect data from my credit file or I will pursuit legal actions.
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| 09/14/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXXXXXX says I opened an account with them I believe in XX/XX/XXXX or XXXX I have tried disputing this many times on there website XXXX I believe it's called whatever the company that took it over for collections the amount is XXXX XXXX and its the only bad thing on my credit report I have tried many times to have someone hear me out but everytime I try disputing it they just ignore it or don't do anything I know for 100 percent fact I never opened anything through any credit company and I tried to explain I believe my actual birth sister did it because she has done it to other family members and she knows my ss number and all of my info because our ss numbers are exactly the same except our last 2 digits I just need help getting this resolved because if I didn't have this on my credit report I would of been able to do things like purchase a car or a home but this negative thing is stopping me if I did it I would of owned up to and made it right but I didn't and I don't have the money to hire someone to help me dispute it correctly
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| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2020 I don't have contractual relationship with this company. I don't recognize this Collection. Please provide me the name and address of the original creditor.. Account Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit
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