Date Received: 2023-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The accounts on my credit report were open online by another individual. I have been contacting the companies over the last pass years to be removed and not one is listening. I decided that I was ready to purchase a home and the bank representee was the one to give me the information.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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: XXXX XXXX, LVNV FUNDING, AND XXXX XXXXXXXX XXXX are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' XXXX XXXX, LVNV FUNDING, AND XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX, LVNV FUNDING, AND XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX, LVNV FUNDING AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX, LVNV FUNDING, AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV funding LLC has not provided validation of debt as requested. I also never signed a legal contract with LVNV Funding LLC, nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and have received nothing but cold texting, and harassment.
Company Response:
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING LLC is in clear violation of the law for furnishing an inaccurate collection account on my consumer report with an alleged debt of {$440.00} to XXXX XXXX XXXX XXXX on ( XX/XX/XXXX ). I have not given LVNV FUNDING LLC or XXXX XXXX XXXX XXXX written permission or authorization to report any information on my Credit Report and according to 15USC 1681 ( b ) Section 2 ; LVNV FUNDING LLC has no PERMISSIBLE PURPOSE by LAW to contact Third Parties with my private or personal, nonpublic information. Your offenses to reporting this alleged debt amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a Felony punishable up to 2 years of imprisonment in addition to civil liability along with defamation of character. Under the New Rule REGULATION F which took effect on November 30, 2021, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule LVNV FUNDING LLC must CEASE AND DESIST the reporting of this debt immediately or I will escalate this matter by taking Legal Action against your company for your willful noncompliance. 15USC 1692 ( c ) c Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or 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 you must not report this alleged debt to any Third Party or Consumer Reporting Agency. I am very certain that LVNV FUNDING LLC or XXXX XXXX XXXX can not provide me with an original signed consumer contract that gave permission to report this inaccurate information on my report and it is no other than UNLAWFUL for XXXX XXXX XXXX to sell my information to you a debt collector when I am the original creditor. ONLY I CAN VALIDATE THIS DEBT AND I DO NOT DELETE THIS ACCOUNT IMMEDIATELY OR YOU WILL BE LIABLE FOR YOUR UNLAWFUL ACTIONS.
Company Response:
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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 am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The original creditor discharged the debt receiving a tax credit. A 1099c has repeatedly been requested. The sale of this account was illegal as LVNV FUNDING and I have no legal contracts and Ive given no authorization for the sale of my information. LVNV FUNDING has been notified on multiple accounts of this and they continue to harass via text, phone and email after being told to cease and desist. They are not legally authorized by me for this account.
Company Response:
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company forged my initials for a judgement and filed with the court. The violated my personal data. They do not have my whole social security number they are a debt buying company that only has last four digits as social security and has filed judgement and collected money from my pay check off false allegations. They can not provide a through review of transaction history of an agreement between me and them. I called the company and spoke to several advocates no one could properly identity me. I do not go by that name. they could not furnish a proper case number for my case to be identified. They submitted false documents saying they served me at a certain address in 2022 which was not true the description of me is invalid and they can not properly validate the debt because they can not provide proof of my identity. They do not have photo identification of no sort nor the documents proven the collection of debt was sufficient. They do not have valid telephone numbers nor any supporting documents. Under purge of law of TX debt buyers must supply sufficient documents and prove the amount is owed to them by producing statements of the transaction on the account they say I owe. They have violated my rights by using the last 4 digits of my social security to try and validate a debt owed. The have violated public law 95 109, 15 us code 1692g violated FCRA law for not providing details and actual charges and purchases to validate account. section 1692g ( a ) ( 3 ) was not followed.
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: In XXXX of XXXX XXXX & XXXX, attorneys for LVNV Funding garnished my wages for {$1000.00} for case number XXXX. This was fair as I owed that. In XXXX XXXX I got garnished again from the same case that I had already been paid in full for the out of {$880.00}. I got garnished XXXX times for the same account. This is embarrassing as well as my credit score went down.
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I requested debt validation and original contract from RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX and was not supplied with it I did my own research and found it was a fradualant credit card account that I reported back in 2020. this is not my account and this needs to removed from my report immediately. I attached the original letter along with what was sent to me in response
Company Response:
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A