Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.

Complaint:
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.

Company response to consumer: Closed with explanation