Date Received: 2023-08-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was reviewing my credit report and noticed two collection accounts from LVNV Funding LLC for the amounts of {$1200.00} and {$540.00}, so I sent the company two debt validation letters concerning the accounts that aligned the FDCPA. I requested the following information : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims been made by any creditor regarding this account. 4. Any Judgments obtained by any creditor regarding this account. 5. Name and address of alleged creditor. 6. Name on file of alleged debtor. 7. Alleged account number. 8. Address on file for alleged debtor. 9. Amount of alleged debt. 10. Date this alleged debt became payable. 11. Date of original charge off or delinquency. 12. Verification that this debt was assigned or sold to collector. 13. Complete accounting of alleged debt. 14. Commission for debt collector if collection efforts are successful. I mailed the letters on XX/XX/2023 and saw that they were delivered on XX/XX/2023 via the tracking information. On XX/XX/2023, I received a " debt verification '' letter from Resurgent Capital Services for the account amounting {$540.00}. That letter didn't contain all the requested information proving I was the account owner and they were legally allowed to collect on it. I didn't receive adequate information for items 1-4, 7, and 12-14. I've included copies of both letters I sent and what I received so far.
Company Response:
State: OH
Zip: 43016
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I havent provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Company Response:
State: FL
Zip: 32311
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I had a XXXX XXXX in XX/XX/2022. Several months ago I started to look into my credit reports. I saw several inquiries and collection agencies who had items being reported that were the same or duplicate reports. I sent XXXX XXXX mail to XXXX and XXXX regarding these issues. I never received any letters and or status regarding the report.I have also not seen any changes or new notes on these accounts. I want to know why my credit information is being shared with multiple unauthorized companies. In none of my credit applications did I agree to share my private personal information with whomever ( personal and or business ).
Company Response:
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with experian and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have made multiple attempts to have LVNV Funding remove these collection accounts from my credit report - through LVNV representatives, XXXX XXXX XXXX, and the credit bureaus. However, the accounts remain. I have never had an account through XXXX XXXX ( in fact, I thought it was the same as XXXX XXXX prior to researching ). XXXX XXXX confirms that the accounts no longer show a balance with them, however, the accounts show a balance with LVNV Funding despite my attempts to dispute the validity of the debt due to what I can only assume is identity theft. I do want to mention that there have been NO issues with the communication tactics of LVNV - in fact, they have always been pleasant and offered a variety of contact methods without being pushy or mean. However, there seems to be no recourse for me to dispute this debt other than via this avenue.
Company Response:
State: FL
Zip: 33880
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX Account # XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with XXXX and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not liable for this debt with LVNV Funding LLC. They will not, can not provide me with any type of original, authentic paperwork, application stating such.
Company Response:
State: AZ
Zip: 85233
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
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: LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX I tried disputing these XXXX debts with XXXX and XXXX. I settled these 2 debts through a 3rd party made all payments on time as agreed and paid off. I was unable to get information from LVNV with the account numbers that are reporting on credit report. I have been disputing this with XXXX and XXXX but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.
Company Response:
State: CA
Zip: 93308
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to file a formal complaint against LVNV Funding, LLC regarding their collection activities related to my consumer report. I believe that their practices have been unjust and in violation of my rights as a consumer. I have been receiving collection communications from LVNV Funding, LLC, Resurgent and XXXX XXXX XXXX, whom i have never heard of or had any contract with, demanding payment for a debt that I am not entirely certain about. Despite my requests for verification and validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), I have not received any substantial evidence to confirm the validity of the debt they are attempting to collect. I kindly request that the Consumer Financial Protection Bureau investigate my complaint against XXXX XXXX, XXXX. I believe that their actions have not only been unfair, but also potentially illegal, and I seek resolution and appropriate action to rectify this situation. At this point I do not know what to do as there inaccurate reporting on my consumer file is hindering by ability to purchase my first home. Thank you for your time and assistance in the matter.
Company Response:
State: CA
Zip: 92058
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: details are misrepresented and not accurate
Company Response:
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A