Canthonymve

Why Chat The letter o the page to the cra's was the one i sent and just got the results back from also the letter to the oc was sent at the same time.

I have used the backdoor method numerous times throughout the years it now giving me a message to send my request by mail...the collection account is reporting as paid closed and the money order was cashed 10/24/2015

What was the date of the invoice you received from the CA?? Was your money order deposited?? Check the "back door" of both Ex and Eq to verify the status and see if the account is marked as "disputed by consumer" Sorry for the delay in response. Could not check equifax back door every time i tried is asked me to mail my request so i waited to get the results. As of right now experian is reporting it and the comment shows that its disputed by consumer. The results from equifax is that it was verified and the comment is consumer dispute this account information. The invoice sent to me by the ca is dated 1/11/10214 the original service date was 101/22/2013 money order was cashed on 10/24/2015.

Hello I have been working on a medical collection for a few months now so here is what I have done so far please let me know what is next. Opted out Delete old addresses sent initial dispute to CRA's Sent DV to CA (CA sent a copy of the invoice from the original healthcare provider) Paid Original healthcare provider with insert a Re-disputed with CRA's Sent follow up letter to original healthcare provider. and here is my results Transunion - Deleted Experian - Refused to re investigate(sent "previously investigated" letter) Equifax - i have not gotten the results back yet but CreditKarma does not show re-investigation in progress anymore so I am almost sure it was verified. What are my next steps for Experian and if Equifax comes back verified?

yea i read all of them im getting ready to dv them again im hoping they respond

if been disputing with these salamanders for the past month and its going in circles i tried dv they sent back there generic response i tried the BBB they closed the case and from what i read the SC AG is no help either so where do i go from here below is what i sent and what they responded with. first i sent the regular "kitchen sink" letter i had no idea it was foolishness till i read that it was on here they responded with their generic response i filed a complaint through the BBB and the FTC the FTC has not responded to my complaint and this is what i sent to the BBB and received from the BBB. Complaint Data Problem Please provide a BRIEF, FACTUAL DESCRIPTION of the problem you experienced. If you are notifying the BBB of an advertising claim that you believe is inaccurate or misleading, include the date and location of the advertisement. 1. Primary Classification: Billing or Collection Issues 2. Secondary Classification: Billing or Collection Issues 3. Problem: LVNV(RESUGENT) 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(RESURGENT). 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(RESURGENT) promises not to sell this account to anyone or try to collect on this invalidated account again. LVNV(RESURGENT) 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 LVNV(RESURGENT) needs to be thoroughly investigated for their illegal practices. If LVNV(RESURGENT) 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(RESURGENT) via mail or from their other companies. This is yet another violation of the FDCPA. Please remove this account from my credit reports and agree not to sell it. Complaint Background Not all of these questions are required. Please provide as much information as you have. 1. Product/Service Purchased: Dates you complained to the company/organization Name of Sales Person Desired Outcome Enter your DESIRED OUTCOME below. Please keep your description within the box provided, without scrolling. A summary of your complaint is preferred, as the BBB will contact you if they need additional details. Mandatory fields are followed by a RED "*". 1. Desired Settlement: Other (requires explanation) 2. Desired Outcome: I WANT THIS TRADE LINE DELETED FROM ALL MY CREDIT REPORTS ASAP Complaint has been sent to the business Sent Via: Email (ODR) From: Better Business Bureau of Upstate South Carolina To: Mr. CHRIS To Email: Mr. CHRIS Subject: Complaint has been sent to the business Date Sent: 11/24/2009 7:36:14 AM Attachments: Click here for printer friendly version Better Business Bureau of Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601-2164 Phone: (864)242-5052 | Fax: (864)271-9802 info@greenvillebbb.org Chris 11/24/2009 Dear Chris : This message is in regard to your complaint submitted on 11/**//2009 ** PM against Resurgent Capital Services LP. Your complaint was assigned ID ******** Your complaint has been sent to the business for their response. Once they have responded to the BBB, we will contact you again. In the meantime, if you have further dealings directly with the business, please send us a message to inform us. Regards, Linda Bentley The Better Business Bureau Message received from the business about your complaint Sent Via: Email (ODR) From: Better Business Bureau of Upstate South Carolina To: Mr. CHRIS To Email: Mr. CHRIS Subject: Message received from the business about your complaint Date Sent: 11/24/2009 Attachments: Click here for printer friendly version Better Business Bureau of Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601-2164 Phone: (864)242-5052 | Fax: (864)271-9802 info@greenvillebbb.org Christopher La Barrie 11300 Sw 179th St Miami , FL33157 11/24/2009 Dear Chris : This message is in regard to your complaint submitted on 11/2009 against Resurgent Capital Services LP. Your complaint was assigned ID *****. The business has sent the BBB a message regarding this complaint, and we are passing it on to you. The contents of this message are below or attached. Please respond to this message at your first convenience. Regards, Linda Bentley The Better Business Bureau ________________________________________ MESSAGE FROM BUSINESS: November 24, 2009 Linda J. Bentley 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: Chris; File No. ***** Dear Ms. Bentley: This letter is in response to your correspondence dated November 24, 2009 regarding the referenced consumer. LVNV Funding, LLC (“LVNVâ€) owns two accounts for Mr. Chris. Resurgent Capital Services L.P. (“Resurgentâ€) is the master servicer of accounts owned by LVNV. These accounts were purchased from the previous creditors and all rights to collect were transferred at that time. Additional account information has been outlined below for your review: Account No. xxxxx***** Reference No. ****** Previous Creditor: Sterling’s 1. Sterling Jewelers, Inc. (“Sterling’sâ€) advised that this account originated on January 5, 2005 and was opened with Kay Jewelers (“Kay’sâ€). 2. This account charged off on October 27, 2008 with a balance of $696.14. 3. This account was purchased from Sterling’s on November 17, 2008 with a balance of $696.14. 4. The last payment in the amount of $60.00 was received by Sterling on March 26, 2008. 5. Resurgent has received no payments since the purchase in November 2008. 6. The current balance of this account is $745.80. 7. This account is being reported to the three major consumer reporting agencies as disputed. 8. Verification of debt with validation was mailed to Mr. XXXXXXXXX on 11/19/2009 in compliance with the Fair Debt Collection Practices Act (“FDCPAâ€). Account No. xxxxxxxxxxxx***** Reference No. ******** Previous Creditor: GE 1. GE Capital (“GEâ€) advised that this account originated on May 23, 2006 and was opened with JC Penney Consumer (“JCPâ€). 2. This account charged off on January 4, 2009 with a balance of $311.27. 3. This account was purchased from GE on January 29, 2009 with a balance of $552.43. 4. Resurgent has received no payments since the purchase in January 2009. 5. The current balance of this account is $642.95. 6. This account is being reported to the three major consumer reporting agencies as disputed. 7. Verification of debt with validation was mailed to Mr. XXXXXXX on July 20, 2009 and again on November 19, 2009 in compliance with the FDCPA. It appears there is a misunderstanding as to our obligations under the FDCPA to validate a debt. The FDCPA provides that if a consumer disputes a debt, he/she has the right to request validation of the debt within thirty days of his receipt of the first collection letter. Specifically, it states: If the consumer notifies the debt collector in writing within the thirty-day period described in subjection (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. 15 U.S.C. § 1692g(. The FDCPA does not define the term “validation,†but the term has been interpreted by the Federal Trade Commission (“FTCâ€) and the courts. The FTC stated that validation “is intended to assist the consumer when a debt collector inadvertently contacts the wrong consumer at the start of his collection efforts.†FTC Staff Commentary on the FDCPA, 53 Fed. Reg. 50097, 50108-09 (Dec. 13, 1998). The courts have adopted a similar interpretation, stating: [V]erification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed; the debt collector is not required to keep detailed files of the alleged debt. See Azar v. Hayter, 874 F. Supp. 1314 (N.D. Fla. 1995), aff’d, 66 F.3d 342 (11th Cir. 1995), cert. denied, 516 U.S. 1048 (1996). Consistent with the legislative history, verification is only intended to “eliminate the… problem of debt collectors dunning the wrong person or attempting to collect debts which the consumer has already paid.†S. Rep. No. 95-384 at 4 (1977), reprinted in 1977 U.S.C.C.A.N. 1695, 1699. There is no concomitant obligation to forward copies of bills or other detailed evidence of the debt. Chaudhry v. Gallerizzo, 174 F. 3d 394, 406 (4th Cir. 1999), cert. denied, 528 U.S. 891 (1999). Verification of a debt requires more than simply resending the same collection letter that prompted the consumer to dispute the debt. The debt collector should verify that the amount demanded is what the creditor claims is owed. We have contacted the previous creditors and verified that the amounts demanded on these accounts are the amounts that the creditors claim is owed. If Mr. XXXX believes these accounts are fraudulent, we will need a copy of a complete police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit (blank forms are available at the FTC’s website: www.ftc.gov/idtheft). If these accounts were paid in full, we will need a copy of the settlement offer, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. XXXXX has any correspondence to/from GE, JCP, Sterling‘s or Kay’s concerning this dispute, it should be forwarded to: Compliance Department or Fax: 866-467-0918 P.O. Box 10497 Greenville, SC 29603 Pursuant to the Fair Credit Reporting Act (“FCRAâ€) guidelines, an agency that receives information that changes the existing status of an account currently on the credit report must report such changes to the credit reporting agencies. The FCRA requires that accurate and complete information be provided to consumer reporting agencies. Failure to report updated information will cause an inaccurate reflection of the status of existing reported accounts, which violates the FCRA. Based on the previous information, the tradelines will not be deleted; however, they are being reported as disputed to the three major consumer reporting agencies. The term “open†does not literally mean that the account is open. This is a common area of confusion for our customers. In accordance with the Metro 2 credit reporting guidelines, created by the Consumer Data Industry Association, factoring companies are required to report accounts with a designation of “open†in the portfolio type field. This means that the entire balance is due at one time. This is the nature of a charged off account. The entire balance is past due; therefore, the entire balance is due at any given time. Per the Consumer Data Industry Association (“CDIAâ€) Metro 2 manual, factoring company is defined as “a company or individual who purchases accounts with the intent of collecting debts owed.†Therefore, the term is accurate in this situation. If we do not receive additional information from you within 45 days of the date this letter is received, then we will assume this dispute is resolved. If you have any further questions, comments or concerns, please contact Customer Service at 888-665-0374. Sincerely, Compliance Department Resurgent Capital Services L.P. I do not accept the response made by the business to resolve this complaint Sent Via: Email (ODR) From: Mr. CHRIS From Email: Mr. CHRIS To: Better Business Bureau of Upstate South Carolina Subject: I do not accept the response made by the business to resolve this complaint Date Sent: 11/24/2009 2:34:16 PM Attachments: Click here for printer friendly version Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. [To assist us in bringing this matter to a close, we would like to know your view on the matter.] LVNV(RESURGENT) has not sent me any paperwork when they "bought" these accounts i had no knowledge of them till i checked my credit report recently. They admit to "BUYING" the debt which makes them a junk debt buyer/collection agency but they are listing the accounts as if they are creditors. On November 10th i mailed them a letter asking for validation and they failed to do so. i asked for a signed written agreement and they did not produce it. They sent me back a piece of paper that says the following. "As of the date of this communication. you owe $745.13 on account number ********* which is now owned by LVNV Funding LLC. Should you desire to pay off the account in full you should contact us at 1 888 665 0374 to determine the payoff balance as interest, payments, credits, fees, and/or other permissible charges can continue to cause your account balance to vary from day to day." "As of the date of this communication. you owe $$641.43 on account number *********** which is now owned by LVNV Funding LLC. Should you desire to pay off the account in full you should contact us at 1 888 665 0374 to determine the payoff balance as interest, payments, credits, fees, and/or other permissible charges can continue to cause your account balance to vary from day to day." Those letters are not validation and if i don't receive proper validation (a written agreement with my signature) withing thirty days all collection activity must cease and desist including reporting to the CRA's if they continue to collect and try to force me to do business with them i will consider it attempted extortion and act accordingly. Regards, P.S as i requested before i want these tradelines deleted ASAP Message received from the business about your complaint Sent Via: Email (ODR) From: Better Business Bureau of Upstate South Carolina To: Mr. CHRIS To Email: Mr. CHRIS Subject: Message received from the business about your complaint Date Sent: 12/14/2009 7:35:28 AM Attachments: Click here for printer friendly version Better Business Bureau of Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601-2164 Phone: (864)242-5052 | Fax: (864)271-9802 info@greenvillebbb.org 12/14/2009 Dear Chris : This message is in regard to your complaint submitted on 11/23/2009 3:11:09 PM against Resurgent Capital Services LP. Your complaint was assigned ID *******. The business has sent the BBB a message regarding this complaint, and we are passing it on to you. The contents of this message are below or attached. Please respond to this message at your first convenience. Regards, Linda Bentley The Better Business Bureau ________________________________________ MESSAGE FROM BUSINESS: December 8, 2009 Linda J. Bentley 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: Chris; File No. ****** Reference No. **************** Dear Ms. Bentley: This letter is in response to your correspondence dated November 30, 2009 regarding the above referenced consumer. LVNV Funding, LLC (“LVNVâ€) owns two accounts for Mr. Chris. Resurgent Capital Services L.P. (“Resurgentâ€) is the master servicer of accounts owned by LVNV. These accounts were purchased from the previous creditors and all rights to collect were transferred at that time. Mr. Chris has not denied ownership of these accounts. However, he repeatedly requests validation, which has been provided as required under the Fair Debt Collections Practices Act (“FDCPAâ€). We are not required to provide validation as defined by Mr. XXXXXXX. We will continue to report these accounts as disputed in accordance with the Fair Credit Reporting Act unless we receive documentation to resolve this account as paid or fraudulent. Additionally, we have thoroughly reviewed Mr. Chris complaints and allegations and have provided detailed responses to you. Therefore, we consider this matter closed, as the dispute is without merit. If you have any additional questions or concerns, please contact Customer Service at 888-665-0374. Sincerely, Compliance Department Resurgent Capital Services L.P. I do not accept the response made by the business to resolve this complaint Sent Via: Email (ODR) From: Mr. CHRIS From Email: Mr. CHRIS To: Better Business Bureau of Upstate South Carolina Subject: I do not accept the response made by the business to resolve this complaint Date Sent: 12/14/2009 9:04:41 AM Attachments: Click here for printer friendly version Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. LVNV STATED THEY SENT ME VALIDATION OF THE DEBTS WHAT THEY SENT DOESN'T VALIDATE ANYTHING AS OF RIGHT NOW I AM REQUESTING A SIGNED WRITTEN AGREEMENT BETWEEN MYSELF AND THE ORIGINAL CREDITORS THAT OBLIGATES ME TO THE SAID ACCOUNTS WITH LVNV AND A COMPLETE PAYMENT HISTORY INCLUDING ALL STATEMENTS FROM THE TIME THE ACCOUNTS WERE OPENED SHOWING HOW ALL DEBTS CAME TO BE. IF LVNV CANNOT PRODUCE THIS ALL COLLECTION ACTIVITY MUST CEASE AND DESIST IMMEDIATELY AND ACCOUNTS WITH THEM MUST BE CLOSED. Regards, XXXXXXXXXXXXXXX The Bureau has judged that this complaint has been adequately resolved Sent Via: Email (ODR) From: Better Business Bureau of Upstate South Carolina To: Mr. CHRIS To Email: Mr. CHRIS Subject: The Bureau has judged that this complaint has been adequately resolved Date Sent: 12/14/2009 9:40:27 AM Attachments: FTC FACTS.rtf Click here for printer friendly version Better Business Bureau of Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601-2164 Phone: (864)242-5052 | Fax: (864)271-9802 info@greenvillebbb.org 12/14/2009 Dear Chris : This message is in regard to your complaint submitted on 11/23/2009 against Resurgent Capital Services LP. Your complaint was assigned ID ********. The BBB, in reviewing the complaint that you submitted to us about Resurgent Capital Services LP, has closed the case. The outcome of this complaint will be included in the business's Reliability Report for 3 years. If you wish to further pursue the issue, you might contact a legal advisor or the Attorney General's office. Should you have any questions, please do not hesitate to contact us - we are happy to assist you. The agency that regulates the industry is the Federal Trade Commission. (attachment) Regards, Linda Bentley The Better Business Bureau MOD EDIT: REMOVED IDENTIFYING INFORMATION

LMAO

i dont know where some of you get your info from but collection agency's,creditors, and credit bureaus all have 30 days to respond to a dispute