Date Received: 2023-08-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV Funding violated my consumer rights by 1. never attempting to contact me concerning this debt. The are legally responsible for providing notice prior to placing the item on my credit report. 2. They have added additional funds to the original owed debt in the amount of close to {$1000.00}. The amount listed on my credit report is not the amount that was owed to the company in which I had the agreement with. Finally, according to XXXX consumer access, LVNV Funding is not legally authorized to collect debts in the state of Ohio. Therefore, the company 's attempt to collect funds is ILLEGAL! LVNV funding is known for its predatory tactics. I am demanding that this item be removed from my credit report with ALL bureaus immediately and to no longer be contacted by this company.
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
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 formally request that you immediately cease and desist all contact with me about account ending in XXXX. I want to make it clear that I do not owe any debt to Resurgent Capital Services, nor have I ever engaged in any business or contractual agreement with your company. As per the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, I have not supplied any proof of the alleged debt, and I have reason to believe that no such proof or debt exists. Please be advised that any further attempts to contact me regarding this matter will be considered a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I reserve the right to take appropriate legal action if necessary. This letter serves as an official notice of my request for you to cease all communication with me immediately. Please acknowledge receipt of this letter and confirm in writing that you will comply with my request. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I previously asked not to be contacted and the file they have was supposed to be flagged to cease communication. I just received 3 separate collection letters from them.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Sometime in XX/XX/XXXX to early XXXX, I received several collection letters from collection agencies including Resurgent Services, Financial Recovery Services, etc alleging that I owe money from XXXX XXXX XXXX. I did make any loan from XXXX. I immediately called XXXX and was able to talk to XXXX XXXX, XXXX XXXX ( tel # ( XXXX ) and reported the matter. He said the money was disbursed to XXXX. I don't have a XXXX account and he said he will investigate and will call me back. I also reported the matter to the XXXX Police Department where I live and filed an ID Theft Victim 's Complaint and Affidavit. I had them notarized and sent them to these collection agencies together with other supporting documents ( copy of proof of residency, etc. ). I hadn't heard from them since then and I thought it resolved the issue. Lately, I started receiving the same letters from these collection agencies again!!! I called and sent them the document that they asked but they still kept on asking for more information which I believe only XXXX can provide them. This also has affected my credit history and I ask to please help as this is getting a toll on me and my family.
Company Response:
State: OR
Zip: 97322
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen and was used to open multiple fraudulent accounts without my knowledge or consent. These accounts are now in collections and reflecting negatively on my credit report. I have Diputes these accounts multiple times and submitted police reports about my identity being stolen and these accounts have not been removed yet. Some agencies have even written negative remarks after Ive filed a dispute. This is impacting my life negatively with jobs, housing and applying for credit lines.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am the author of this complaint. I checked my credit report and saw that an account from XXXX XXXX XXXX was reporting inaccurately, so I sent a letter to the CRAs disputing the accuracy and completeness of this account onto my credit report. I received the results of the reinvestigation from the CRAs and I noticed that this company " verified '' that the account was reporting accurately. I used the XXXX XXXX Guideline to cross reference how this account should be reporting and they are in fact, still reporting inaccurate and incomplete information onto my credit report. I have been denied credit and loans due to them furnishing incorrect information. I have also called XXXX on a recorded line and spoke with a manager who informed me that the debt was sold to RESURGENT RECEIVABLES who will be joined to the original creditor in arbitration if I were to file a claim. XXXX XXXX XXXX has violated 15 USC 1681s-2b and could be held liable for actual damages under 15 USC 1681n for willful noncompliance. This company has violated the Fair Credit Reporting Act. I've searched the terms and agreement of my contract with this company and noticed that they have an arbitration clause, so I have sent a letter to this company ( via certified mail ) to make them aware of my intention to file an FCRA claim in arbitration if we can not reach a solution. Settling prior to filing a claim will be most cost effective to the company vs paying filing fees and arbitration fees A copy of my driver 's license, social security card, and the correspondence that I mailed to the company is attached to this complaint
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV Funding is reporting on my credit report that they own a debt from XXXX Bank XXXX in the amount of {$2200.00} that they are collecting on, I do not owe them anything, the account in question was closed on XX/XX/XXXX. New Hampshire has a three-year limit on collections. They provided false information to the credit reporting agencies that this account was opened XX/XX/XXXX??? They are in violation of 15 U.S. Code 1692E False or misleading representations. 15 U.S. Code 1692 F Unfair Practices 15 U.S. Code 1692 G Validation of Debts 15 U.S. Code 1692J Furnishing certain deceptive Forms 15 U.S. Code 1692 K Civil Liability {$1000.00} per Violation This account is in dispute and a demand for payment is being made by me in the amount of {$4000.00} total for violation of my rights and ruining my credit on these fraudulent accusations and suppling the credit bureau 's with false, inaccurate information, Since this account is in dispute it needs to be removed from my credit report until resolved by law. I am only to be contacted through the mail, any other type of contact will place LVNV Funding in further violations. I reserve all my rights.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Mailing Address : LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Violation of 15 USC 1666 - Demand for Removal of Negative Account from Consumer 's Credit Report Dear Sir/Madam , I am writing to address a serious matter regarding the consumer credit transaction and the violation of federal law as outlined in 15 USC 1666. It has come to my attention that LVNV Funding LLC has reported a negative account on my credit report, despite the fact that the debt was charged off or written off for profit by the original creditor. I am hereby demanding that LVNV Funding LLC immediately removes the account from my credit report in compliance with federal law. Under 15 USC 1666, consumers are entitled to certain rights and protections in credit transactions. It is crucial that creditors and debt collectors adhere to the provisions set forth by this federal law, ensuring fair and accurate reporting of consumer accounts. In this case, the debt associated with the aforementioned account was charged off or written off for profit by the original creditor. Therefore, it is a direct violation of 15 USC 1666 for LVNV Funding LLC to continue reporting this negative account on my credit report. I hereby demand that LVNV Funding LLC takes immediate action to remove the account from my credit report within three ( 3 ) days of receiving this letter. Failure to comply with this request will leave me with no choice but to file a formal complaint with the appropriate federal authorities, including the Consumer Financial Protection Bureau ( CFPB ), and pursue legal action against LVNV Funding LLC for violations of federal law. Please be aware that such violations may result in severe penalties and damages awarded to the consumer. I expect full cooperation from LVNV Funding LLC in rectifying this matter promptly. I urge you to take this matter seriously and act accordingly to rectify the violation. Any further contact regarding this account must be made in writing and sent to the address provided at the beginning of this letter. Thank you for your immediate attention to this matter. I anticipate your prompt compliance with my demand to remove the negative account from my credit report, thus resolving this violation of federal law. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I keep getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} Lvnv funding llc XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX Lvnv funding llc {$470.00} XX/XX/XXXX Lvnv funding llc {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me
Company Response:
State: MD
Zip: 21225
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX unlawfully furnished personal information on credit report and also furnished to non affiliated third parties without my consent which is illegal and not lawfully. According to USC 1681 ( a ) ( i ), transactions between the consumer and person furnishing the report IS NOT supposed to be included in a consumers credit report.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A