Date Received: 2023-08-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. I am being harassed by multiple calls before XXXX and after XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize : IVNV FUNDING LLC ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 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,
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I sent a letter to Resurgent Correspondence at the address listed on their website, Resurgent Correspondence, C/O LVNV FUNDING LLC, XXXX XXXX XXXX XXXX, SC XXXX, asking them to provide proof that they indeed have a signed contract with my signature to collect on this account. Per law, I provided them 35 days before sending a second written request dated XX/XX/2023, asking for the same information, but as of this date, I have not received any type of correspondence from this company. They have consistently added a {$6.00} fee to the balance and have been reporting this to my credit files each month causing my score to decline monthly.
Company Response:
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV added a collections account to my consumer report without my consent
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I submitted disputes to LVNV Funding LLC in XXXX early XX/XX/. The company never responded. XXXX responded in their behalf. I have a lot to say. I disputed this information with XXXX XXXX and XXXX XXXX failed to delete this from my report. Instead they continuously harm my credit report I was recently denied a home and LVNV Funding was the account brought up. They continuously update false inaccurate incomplete information. They have been compliant with FCRA laws nor are they XXXX compliant. This company didnt send the information asked for. Where is the payment history? Where is the rest of the information asked for. I sent this ferried mail and can send return receipts and copies of dispute letters. Delete this from my report ASAP
Company Response:
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I disputed this with the company in XXXX and XXXX of XXXX. I have return receipts by sending disputes via Certified mail. The company Resurgent Capital Services L.P. states it manages LVNV Funding LLC. This company was not listed on my consumer credit report. I asked for information containing to the debts claimed that I owe. I asked for account history, names, agreements or contracts. I ask that they prove I owe this debt according to FCRA laws. They did not send tear off portion for disputing. They did t send any information that was compliant. I do not owe this debt I do not owe them
Company Response:
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Somebody keeps using my name my social security number and date of birth. But not the same address or phone number they keep opening up credit cards on my credit and I've been disputing them and the results are coming back as accurate he's using a XXXX address I've never lived in XXXX. They took out a personal loan for {$8000.00} using my information and using my driver 's license number one digit off. I need to get rid of this XXXX address in my name it is not me
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I tried disputing this debt with XXXX and XXXX. It came back verified without any proof. This is not my debt I never opened this card this is fraud.
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$490.00} Balance updated XX/XX/2023 Original balance {$490.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Debt Buyer Status Collection account. {$490.00} past due as of XX/XX/2023. Status updated XX/XX/2023 Payment summary 2023 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name LVNV FUNDING LLC Address XXXX XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX The original account with credit XXXX bank was disputed closed and Account removed from my credit report a few weeks later this collection company pops up seeking sane debt that was disputed as fraud. I want this company removed from all three credit bureau reports.
Company Response:
State: OH
Zip: 44112
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A