Date Received: 2023-08-01
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: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX SSN XXXX RE : Account XXXX Dear LVNV Funding, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I am requesting payment history between me and the original creditors as well name and address of original creditor. I am also requesting to see proof of debt assignment. I request that you cease contacting me via telephone and all future correspondence be in writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. Sincerely, Your Signature enclosures
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a complaint against XXXX XXXX XXXX and they hired/ moved the account ( for which I have no knowledge of ) to Resurgent Capital Services. I called the number in the letter received XX/XX/XXXX and they stated that they knew there was a cease and desist, but I could revoke it verbally. This debt is not mine. I have no knowledge of this debt and I am being harassed by mail. Please assist with making this stop.
Company Response:
State: AL
Zip: 36830
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 2 credit cards with XXXX XXXX XXXX XX/XX/2020 {$730.00} and XXXX XXXX XXXX XX/XX/2020 with a balance of {$1000.00} have been fraudulently opened up in my name due to identity theft. It says debt buyer for both is LVNV Funding. I have tried to dispute and I have also contacted by phone and fax to get this resolved by sending them the proper documents of my identity theft report to have this removed. Ive called numerous times and sat on the phone for hours to try and get this resolved. This is affecting my credit negatively. This account is fraudulent and does not belong to me. I want it removed immediately. Attached will be the identity theft report and proof of trying to communicate. Please do the right thing.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Incorrect information on credit report Creditor XXXX XXXX XXXX, XXXX, SC XXXX | ( XXXX ) XXXX XXXX XXXX XXXX Balance {$570.00} XXXX Act. # XXXX Opened XXXX Reported Closed Condition
Company Response:
State: NC
Zip: 27540
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been experiencing issues with LVNV FUNDING LLC regarding an alleged debt ( in the amount of {$740.00} ) for some time now. I recently had to send a cease and desist letter to the company, XXXX of XXXX, pleading that they stop reporting the unverifiable information associated with this account on my consumer report. With each dispute, LVNV FUNDING LLC has disregarded my letters and disputes and has yet to provide any pertinent information stating the validation and/or methods of verification of the alleged debt. Therefore, LVNV FUNDING LLC has violated my rights under 15 USC 1692c and 15 USC 1692g. I am left with no other choice but to involve the CFPB to help me enforce my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Failure to honor the demands within 15 days of receipt of this notice, LVNV FUNDING LLC will be held civilly and criminally liable under 15 USC 1611 and 15 USC 1692k. Additionally, I will not hesitate to enforce my rights to obtain remedy for all damages caused by this company pursuant to 15 USC 1681o. Thank you for your attention to this matter, and I hope for a swift resolution to address these violations. Sincerely, XXXX XXXX. XXXX XXXX : XXXX XXXX
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company is reporting a derogatory mark on my credit as a Collection. I have disputed the charges as this debt is not mine. I am a victim of identity theft and I sent them a copy of my Identity theft Affidavit and still reports on my credit.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
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 previously submitted complaint # XXXX for this company that is reporting info that is damaging to my credit. They have refused to remove their reporting. I have since found that they are reporting discrepancies on my credit report. Incorrect Reporting of account status : Closed account reported as open, Incorrect date of last payment, date opened, & date of first delinquency. The incorrect dates falsely manipulates the statute of limitations. I am demanding a deletion of the account from my credit report.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a company that I have no knowledge of I was told they had information and I asked to verify in which they could not .This companys LVNV and Resurgent. As I look this company up I see the have several names and they have five accounts under my name and they can verify. I have never had a account with this company. LVNV Funding LLC account ending in XXXX, XXXX, XXXX, XXXX and XXXX. I have asked them to produce paperwork and they have not it have been one year
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX ( XX/XX/XXXX ) - XXXX - {$4700.00}, will not remove closed account from credit report XXXX XXXX XXXX ( XXXX XXXX ) - XXXX {$1200.00}, will not remove collection off of report XXXX XXXX XXXX ( XX/XX/XXXX ). - XXXX {$1100.00}, will not remove collection off my report
Company Response:
State: AR
Zip: 72315
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: There are some derogatory collections on my XXXX, XXXX, and XXXX, consumer report. All of the debts are at least XXXX yrs old or more. XXXX company continues to report the wrong information. when asked to verify the accuracy of the accounts ( XXXX date delinquent, date account was opened. There is no accurate response. These are all unfair practices of this company. XX/XX/XXXX, I paid creditors off because I was trying to purchase a house. After I paid everything, my credit begins to increase. But in XX/XX/XXXX the collections emerged after years of no communication and being closed and charged off by grantor. They begin to post dates and amounts on the accounts that were not accurate. I requested verification for the date account opened, XXXX date acct became delinquent, original creditor info and when was account purchased. They have begun to post every month that I have been missing payments when the acct has no verified history. Now my credit is taking a big " XXXX '' all because of this company 's negligence. Please help me remove this information. Thank you.
Company Response:
State: AL
Zip: 36609
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A