11688468
|
2025-01-22
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-22
|
|
11605192
|
2025-01-21
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-21
|
|
11713396
|
2025-01-24
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-24
|
|
11579383
|
2025-01-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
Tags |
Servicemember
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Credit card debt
|
Date Received |
2025-01-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-16
|
|
11511131
|
2025-01-14
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Credit card debt
|
Date Received |
2025-01-14
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-14
|
|
11487436
|
2025-01-13
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
Credit card debt
|
Date Received |
2025-01-13
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-13
|
|
11782944
|
2025-01-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Credit card debt
|
Date Received |
2025-01-27
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-27
|
|
11807278
|
2025-01-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
I do not know
|
Date Received |
2025-01-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-28
|
|
11448086
|
2025-01-10
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-10
|
|
11467104
|
2025-01-11
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
I do not know
|
Date Received |
2025-01-11
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-11
|
|
10840234
|
2024-11-19
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2024-11-19
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-19
|
Complaint What Happened |
I mailed a cease-and-desist letter to LVNV Funding LLC, also known as Resurgent Capital Services, XXXX XX/XX/year>. This letter was delivered and received by them on XX/XX/year>, as confirmed by XXXX tracking number XXXX. In the letter, I requested that they cease all communication with me and remove the alleged account from my credit report.
The account in question is identified as Account # XXXX Despite my request, LVNV Funding LLC has continued to report this alleged account on my credit report. This constitutes communication under the law and violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : Under 15 U.S.C. 1692cc and FDCPA Section 805 ( c ), LVNV Funding LLC is prohibited from communicating with me through any mediumincluding reporting the alleged debt on my credit reportafter receiving a written cease-and-desist request.
Their failure to remove the item from my credit report violates the FCRAs requirement to ensure accurate and fair reporting.
Furthermore, I have no knowledge of this alleged debt and have never conducted business with LVNV Funding LLC or Resurgent Capital Services.
|
Consumer Consent Provided |
Consent provided
|
|
11533883
|
2025-01-16
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-16
|
|
11776089
|
2025-01-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2025-01-26
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-26
|
|
11736553
|
2025-01-25
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Credit card debt
|
Date Received |
2025-01-25
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-25
|
|
11803007
|
2025-01-28
|
Other features, terms, or problems
|
Credit card
|
|
Tags |
Servicemember
|
Issue |
Other features, terms, or problems
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit card
|
Sub Issue |
Other problem
|
Sub Product |
General-purpose credit card or charge card
|
Date Received |
2025-01-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-28
|
|
11501024
|
2025-01-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Credit card debt
|
Date Received |
2025-01-13
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-13
|
|
11526656
|
2025-01-14
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-14
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-14
|
|
11502535
|
2025-01-13
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-13
|
|
11495243
|
2025-01-14
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-14
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-14
|
|
11620089
|
2025-01-20
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-20
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-20
|
|
11777922
|
2025-01-26
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Threatened or suggested your credit would be damaged
|
Sub Product |
Credit card debt
|
Date Received |
2025-01-26
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-26
|
|
11430764
|
2025-01-08
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-08
|
|
10893210
|
2024-11-23
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Problem with personal statement of dispute
|
Sub Product |
Credit reporting
|
Date Received |
2024-11-23
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-23
|
Complaint What Happened |
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt.
I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.
Date of Last Activity.
Full, accurate 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, indicating the commitment to pay the original creditor.
The obligation between your company LVNV FUNDINGXXXX XXXX XXXXXXXX XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company.
Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt.
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( 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 XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome.
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
|
Consumer Consent Provided |
Consent provided
|
|
10741768
|
2024-11-10
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Problem with personal statement of dispute
|
Sub Product |
Credit reporting
|
Date Received |
2024-11-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-10
|
Complaint What Happened |
I HAVE CHARGE OFF ON MY ACCOUNT AND I DID NOT RECIEVE MY 1099C, THESE COMPANIES ARE REPORTING DEBTS ON MY CREDIT REPORT EVEN THOUGH THEY GOT A TAX BREAK AND WAS ALREADY PAID FOR THE DEBT. XXXX XXXX credit card, XXXX XXXX XXXX XXXX XXXX, I do not owe XXXX XXXX or XXXX XXXX XXXX, I've never done business with them but they are reporting on my credit. I am requesting a 1099C from each company because the debt on my credit said charge off.
|
Consumer Consent Provided |
Consent provided
|
|
11363489
|
2025-01-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2025-01-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-04
|
|
11795646
|
2025-01-28
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-28
|
|
11794765
|
2025-01-28
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-28
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-28
|
|
11498529
|
2025-01-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Credit card debt
|
Date Received |
2025-01-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-13
|
|
11798770
|
2025-01-27
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Credit card debt
|
Date Received |
2025-01-27
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-27
|
|
11536086
|
2025-01-16
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
Credit card debt
|
Date Received |
2025-01-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-16
|
|
11483480
|
2025-01-12
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Resurgent Capital Services L.P.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2025-01-12
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-23
|
|