Date Received: 2024-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING is attempting to collect on a fraudulent debt that I do not owe nor authorized. I have never done business with this company and just the fact that they have access to my private and personal information without my consent is causing me great mental anquish. I have NEVER agreed to or transacted to do any business with LVNV or any of its affiliates and my identity has been comprised and I will seek relief if not rectified and deleted immediately. This reporting is fraudulent and a violation of my rights under FCRA, FDCPA and my right to privacy.
Company Response:
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXXXXXXLvnv funding LLC are debt collectors... they buy bad debts... .they have no legal standing to contact, discuss, demand, nor report anything on my credit report. They do not have the original agreement binding their Company and Myself to ANY lawful contract. They are act unlawfully, and fraudulently... posing as the original creditor.
Company Response:
State: OH
Zip: 43613
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The amount of debt of {$1200.00} and {$1400.00} is not accurate. The company, LVNV Funding LLC has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Company is reporting debt to my consumer report but have not provided any evidence of their authority to do so including proof of claim ; the bookkeeping for alleged debt including all payments made and interest ; original contract bearing my signature, and ; proof of debt ownership.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: Im not paying your ransom for selling my name. I dont care if you keep trafficking my personal information XXXX said they can sell your personal information 100 times if they want and it becomes an emergency to be paid. A two yr old account is still active and continues to change status daily Im not paying for your ransom
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been making payments on this account each month without missing any payments. It should not show that it is late or in collections.
Company Response:
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Lvnv funding Llc is reporting false information on my credit report and will take legal action if necessary. This alleged account has an opening date of XX/XX/, which is impossible as I have never had any dealings with this company at any time. It is important for credit reporting agencies to accurately reflect a person 's credit history, and I will not stand for any discrepancies or false information. I expect this matter to be resolved promptly and without further issue. Also, I have disputed this with XXXX and they are reporting false information.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On I received a collection notice from XXXXXXXX XXXX XXXX in regards to doing business with [ original creditor ] in the amount of {$480.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; Response : NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. I have not consented or signed any paperwork nor have I received any dispute disclosure information.
Company Response:
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted theses Companies listed. 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 XXXXXXXX XXXX XXXX XXXX XXXX They took No action after I informed them
Company Response:
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company purchased an account which I do not owe. I DISPUTED THIS MULTIPLE TIMES IT IS NOT A VALID DEBT, THEY DID NOT PROVIDE A SIGNED APPLICATION SHOWING I OPENED THIS ACCOUNT WITH THEM LEGALLY HAS TO BE REMOVED UnDER THE FAIR CREDIT REPORTING ACT
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A