Date Received: 2023-08-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Received letter from XXXX XXXX XXXX XXXX. Charge off date XX/XX/XXXX total balance {$1000.00}. XXXX File Number XXXX. Letter requesting payment within 35days date of letter XX/XX/XXXX lump sum $ XXXXcurrent Creditor LVNV Funding, Original Creditor XXXX XXXX XXXX, XXXX XXXX attorney for Plaintiff. I was served a summons on XX/XX/XXXX stating I'm summoned and required to answere the attached complaint within 21 days with XXXX XXXX District Court State of Utah. Plaintiff is stating I owe charge off amount {$1900.00}.
Company Response:
State: UT
Zip: 84115
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: 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
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 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.
Company Response:
State: CT
Zip: 06851
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. You reported this debt shows as an open account on my credit bureaus, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.1692 ( c ).
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I hired XXXX XXXX XXXX to consolidate my credit card debt. They did not pay any of it off and transferred it to XXXX XXXX XXXX, who transferred it to XXXX XXXX. I learned that none of these groups actually paid anything off when LVNV Funding LLC and XXXX XXXX XXXX attempted to collect {$1600.00} and {$600.00}, respectively. There are still five more credit debts unpaid, so we expect more collectors to come. The law groups have not shown what they did with my money.
Company Response:
State: WA
Zip: 99163
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I request validation of such debit with competent evidence that I have any 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 judgement if applicable ; -Identify the original creditor ; -Prove that Statue 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.
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company furnished my consumer report without written instructions which is required as stated in 15 USC 1681 ( a ) ( 2 ).
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: According to XXXX Opened XX/XX/2023 Amount of XXXX I've disputed not known to me. Original creditor have removed off my account but this debt collection wont remove it have not supplied proof 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 do not recognize how this account is reporting on my credit report I don't recognize the account number nor do I recognize the late payments associated with It
Company Response:
State: MI
Zip: 48310
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: 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.
Company Response:
State: WA
Zip: 98032
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A