Date Received: 2023-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent 2 separate VALIDATION of debt request, and the company failed to provide the documents I requested. I requested documents in writing with specific instructions, which the company refuses to produce. The company can also not validate the consumers DOB or SS #. I have asked for information which the company must not have and can not provide. If the company does have this information, and can provide it they have refused. I am asking the CFPB to interject here and force the company to produce the documents, validate my ( the consumers ) DOB, SS #, and provide any instrument which clearly shows the consumers signature. I am also asking the company provide COMPETENT proof of the debt in question. In addition I am asking for legal proof the company has the right to collect this debt.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: LVNV Funding Llc has been emailing me as a XXXX party, demanding that I pay XXXX for a account that was verified as a fraudulent account and removed. The Original Creditor which is as XXXX XXXX, XXXX. was also removed.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had no knowledge of this XXXX account that was on my report I need it removed immediately
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am responding to your letter dated XX/XX/XXXX, regarding CFPB Case # XXXX. While you claim this debt has been properly verified ( which has not ), you have failed to acknowledge that this debt is NO longer legally enforceable based on the Arkansas statute of limitations. As I stated in my original dispute, according to your own account summary : -- The debt originated on XX/XX/XXXX with XXXXXXXX XXXX -- The last payment was made on XX/XX/XXXX -- The account was charged off on XX/XX/XXXX... Under AR Code 16-56-105, the statute of limitations for debt collection in Arkansas is three years. As there has been no activity since the charge-off in XXXX, over three years ago, this debt is time-barred. While you have rights to the paper documentation of this alleged debt, you NO longer have legal remedies to collect on it due to the expired statute of limitations. Attempting to collect this unenforceable debt violates state and federal law. I again request that you cease all collection activity on this account and inform the credit bureaus that this debt is disputed and should be removed from my credit report immediately. Please confirm these actions in writing.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am not liable for this debt with XXXX XXXX NA. I do not have a contract with LVNV Funding LLC, they did not provide me with the original contract as I requested. I also asked the company if they were even licensed to collect in the state of Michigan, they refused to answer. I have never done business of any kind with this creditor, this account is a violation of my consumer protection rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response:
State: MI
Zip: 49548
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC has ignored my request to remove a negative account that was placed on all three credit bureaus. I will attach documents that i recently sent to them. I have spoke to the and even explained that the address that they have on file isnt mine and I never live there.
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2023-08-17
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 Report Number : XXXX Date Generated : XX/XX/2023 Collection Company : LVNV FUNDING LLC Amount Owed : {$810.00} I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX. Neither XXXX nor LVNV FUNDING LLC has provided me with the original contract as I requested.
Company Response:
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: The problem is with XXXX reporting that I have or have had an account with LVNV FUNDING LLC.LVNV FUNDING LLC Account XXXX XXXX Verified and Updated the account but they did not resolve the issue Their results were that : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. This company must have bought my account from some other source and I have no dealings with LVNV. This report is inappropriate and fraudulent. I want it removed from my report
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I work with XXXX and they paid off account XXXX XXXX # XXXX ( XXXX XXXX ) amount was XXXX they settled for {$2500.00} and was settled on XX/XX/2020 and now the remainder amount was sold to a new debt collector LVNV FUNDING LLC which they can not legally do that once they settle on a debt. I have reached out to federal debt relief and the credit company 's but can not get this removed and I have proof that if was settled. So why is this so hard to get removed XXXX XXXX XXXX XXXX XXXX ( is who I go through ) XXXX XXXX XXXX XXXX, AZ XXXX LVNV FUNDING LLC ( this is who bought the remainder of the debt ) Address XXXX XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX
Company Response:
State: NY
Zip: 147XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the FDCPA, I am a consumer as defined under 15 USC 1692a ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. Im allegedly obligated, not obligated. You can be either and since the law states The United States is obligated to pay debt, not a consumer according to uniform code 18 usc 8 company is being intentionally negligent by furnishing such information to my consumer report! Company is reporting inaccurate information.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A