Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a firm called LVNV Funding LLC that claims I owe them {$1100.00}. First and foremost, I know nothing about this company. Second, I do not owe them anything. Third, they do not have a license to operate in Florida. As a Florida resident, this is a violation of Florida law ( Fla. Stat. 559.553 ), which requires most debt collectors and out-of-state law firms to register as a Consumer Collection Agency with the Florida Office of Financial Regulation before engaging in collection action in the state of Florida. Many people do not. By obtaining judgments and demanding payments from consumers in places where it was not legally licensed to do so, it violated the FDCPA and the CFPA 's prohibition on deceptive actions or practices.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: In XX/XX/XXXX, I received a few emails from a company called XXXX, XXXX had automatically filtered the messages as spam and thus I had not seen them until I was cleaning my email out while recovering from surgery the month prior. I was able to recover 2 of the emails the first was from XXXX XXXX on XX/XX/XXXX and the 2nd email was on XX/XX/XXXX from XXXX XXXX. Upon opening one of the messages I realized it was a debt collection company citing they work with another company called LVNV Funding attempting to contact me about an account from XXXX. As I know it can be very dangerous to a person 's credit report to respond to these communications, I did not respond to any of these emails as I did not want it to be assumed I was claiming ownership of the debt. I instead scrolled to the bottom to unsubscribe from all future communications. At the bottom of the communication, I noticed an extremely vague message regarding the " use of your information '' and decided to review the privacy policy as well as unsubscribe. The privacy policy indicates that basically all of your data will be tracked and collected in a database, I have downloaded a copy of the privacy policy as it is currently for the explicit purpose of filing these complaints. I feel that a debt collection company should not be allowed to or currently be tracking without explicit and clear consent and warning that a person 's " IP address, browser type and language, Internet service provider, type of computer, operating system, date/time stamp, user interface interaction data ( such as, but not limited to, any mouse clicks or navigation on our emails and Web Applications ), uniform resource locator ( URL ) information ( showing where you came from or where you go to next ), email open rates, credit card, or bank account information '' - simply by opening an email. Furthermore, they should not be allowed to or currently be tracking without explicit and clear consent and warning that a person 's " IP address, location of use, browser type and language, Internet service provider ( ISP ), type of computer, operating system, date/time stamp, user interface interaction data ( such as, but not limited to, any mouse clicks or navigation on our emails and Web Applications ), or uniform resource locator ( URL ) information ( showing where you came from or where you go to next ) '' just by visiting their website ( especially when they are in my case attempting to request communication to be discontinued and/or reading their privacy policy ). This much information should not be allowed to be collected without first clearly notifying a person and giving them the option to decline this information from being tracked beforehand. The only reason I went proceeded to read the full privacy policy is because I took a business law class and therefore have a small bit of knowledge about the shady tactics used by companies to attempt to obfuscate information from consumers and/or dance on the borders of the legal system. This is not information that the average person possesses and the reason it should not be legal. The 2nd email was apparently triggered because I failed to complete all of the steps to unsubscribe from email communications which I then completed on XX/XX/XXXX. Additionally, the emails themselves bait a consumer into going to the debt XXXX website by not including all of the account information in the email communication itself and only offering links to their website listed as " View My Options '' or " Dispute '' - so you are forced to visit their website where they will steal any and all possible information they possibly can from your device in order to obtain more information about whatever account they list. Also, the account number at the bottom of both emails from XXXX is different from the account number listed for LVNV Funding and Resurgent Capital Services ; which can also cause confusion on the consumer 's part when there are 3 debt collection companies all working together simultaneously to collect 1 debt that is also past the statute of limitations. As a result of all of this later that day I decided that I needed to draft a formal cease and desist letter which was sent on or about XX/XX/XXXX and I have retained signed copies for myself I sent one to XXXX and one to LVNV Funding. Today XX/XX/XXXX I have now received 2 letters in the mail, now a 3rd company called Resurgent Capital Services also claiming to work with LVNV Funding attempting to collect the same XXXX ; according to their letter soon to be XXXX XXXX XXXX debt as of XXXX of this year. The letters allege an inquiry was submitted about this debt which is the exact opposite of what I have been asking. I am starting to feel that I will now be harassed by LVNV Funding via the use of other companies under their umbrella which whom I have not individually written cease and desist letters because I do not know who they all are. The only communication I should have received is confirmation of the cease and desist request which should cover all partner companies. The cease and desist letters which have also been included show that I did not request any information regarding the alleged debt either. I simply want to have all forms of physical, electronic, and telephone communication with myself, friends, family, and employers stopped.
Company Response:
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: In XX/XX/XXXX, I received a few emails from a company called XXXX, Outlook had automatically filtered the messages as spam and thus I had not seen them until I was cleaning my email out while recovering from XXXX the month prior. I was able to recover XXXX of the emails the first was from XXXX XXXX on XX/XX/XXXX and the XXXX email was on XX/XX/XXXX from XXXX XXXX. Upon opening one of the messages I realized it was a debt collection company citing they work with another company called LVNV Funding attempting to contact me about an account from XXXX. As I know it can be very dangerous to a person 's credit report to respond to these communications, I did not respond to any of these emails as I did not want it to be assumed I was claiming ownership of the debt. I instead scrolled to the bottom to unsubscribe from all future communications. At the bottom of the communication, I noticed an extremely vague message regarding the " use of your information '' and decided to review the privacy policy as well as unsubscribe. The privacy policy indicates that basically all of your data will be tracked and collected in a database, I have downloaded a copy of the privacy policy as it is currently for the explicit purpose of filing these complaints. I feel that a debt collection company should not be allowed to or currently be tracking without explicit and clear consent and warning that a person 's " IP address, browser type and language, Internet service provider, type of computer, operating system, date/time stamp, user interface interaction data ( such as, but not limited to, any mouse clicks or navigation on our emails and Web Applications ), uniform resource locator ( URL ) information ( showing where you came from or where you go to next ), email open rates, credit card, or bank account information '' - simply by opening an email. Furthermore, they should not be allowed to or currently be tracking without explicit and clear consent and warning that a person 's " IP address, location of use, browser type and language, Internet service provider ( ISP ), type of computer, operating system, date/time stamp, user interface interaction data ( such as, but not limited to, any mouse clicks or navigation on our emails and Web Applications ), or uniform resource locator ( URL ) information ( showing where you came from or where you go to next ) '' just by visiting their website ( especially when they are in my case attempting to request communication to be discontinued and/or reading their privacy policy ). This much information should not be allowed to be collected without first clearly notifying a person and giving them the option to decline this information from being tracked beforehand. The only reason I went proceeded to read the full privacy policy is because I took a XXXX XXXX class and therefore have a small bit of knowledge about the shady tactics used by companies to attempt to obfuscate information from consumers and/or dance on the borders of the legal system. This is not information that the average person possesses and the reason it should not be legal. The XXXX email was apparently triggered because I failed to complete all of the steps to unsubscribe from email communications which I then completed on XX/XX/XXXX. Additionally, the emails themselves bait a consumer into going to the debt collectors website by not including all of the account information in the email communication itself and only offering links to their website listed as " View My Options '' or " Dispute '' - so you are forced to visit their website where they will steal any and all possible information they possibly can from your device in order to obtain more information about whatever account they list. Also, the account number at the bottom of both emails from XXXX is different from the account number listed for LVNV Funding and Resurgent Capital Services ; which can also cause confusion on the consumer 's part when there are XXXX debt collection companies all working together simultaneously to collect 1 debt that is also past the statute of limitations. As a result of all of this later that day I decided that I needed to draft a formal cease and desist letter which was sent on or about XX/XX/XXXX and I have retained signed copies for myself I sent one to XXXX and one to LVNV Funding. Today XX/XX/XXXX I have now received 2 letters in the mail, now a 3rd company called Resurgent Capital Services also claiming to work with LVNV Funding attempting to collect the same XXXX ; according to their letter soon to be XXXX XXXX XXXX debt as of XXXX of this year. The letters allege an inquiry was submitted about this debt which is the exact opposite of what I have been asking. I am starting to feel that I will now be harassed by LVNV Funding via the use of other companies under their umbrella which whom I have not individually written cease and desist letters because I do not know who they all are. The only communication I should have received is confirmation of the cease and desist request which should cover all partner companies. The cease and desist letters which have also been included show that I did not request any information regarding the alleged debt either. I simply want to have all forms of physical, electronic, and telephone communication with myself, friends, family, and employers stopped.
Company Response:
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding and XXXX has yet to remove an account from my credit reports. I am still recieving letters from LVNV Funding stating that the required verification documents have not been recieved when the infomation was mailed to LVNV Funding. The account has now been sold to another company after the debt has been disputed and reported as fraud. ACCOUNT XXXX
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have never done any kind of business with this company LVNV FUNDING LLC they have continuously reported false reports on my credit report that I would like to be removed
Company Response:
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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: Last month I filed a complaint with the CFPB, about how XXXX continues to place incorrect information on my credit report that is under my son XXXX XXXX XXXX and not belonging to XXXX XXXX XXXX. I have attached the conversation that was had with their representative XXXX, who confirmed that me and my son have our credit profiles combined and have been combined for some time now. ( See attached ) Neither of us are able to view our profiles and we have been blocked form the site. ( See attached ). I have asked for a copy of my credit report that I have not received. I have asked for method and proof of verification of the accounts in question in the last complaint I filed and still have not received that. The accounts do not belong to me, but they have shown no proof that it does. I want the following accounts removed from the profile of XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX With both of us having a mixed credit profile, you are clearly not doing your jobs. I also want the XXXX XXXX 's that belong to my son removed from my profile. Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both XXXX XXXX
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am contacting CFPB to formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by RESURGENT RECEIVABLES LLC. This dispute serves as a request for re-investigation, as XXXX sent a letter notifying me that the RESURGENT RECEIVABLES LLC account was " UPDATED. '' However, I firmly believe that the information remains inaccurate and misleading. I request XXXX to conduct a thorough human re-investigation into this matter and remove this entry promptly. For The Following Reasons : Lack of Contractual Agreement with XXXX XXXX XXXX : As stated in my previous correspondence, I have never entered into any contractual agreement with XXXX XXXX XXXX, the alleged original creditor. Despite XXXX 's indication that the account was " UPDATED, '' no evidence has been provided by RESURGENT RECEIVABLES LLC or XXXX XXXX XXXX to demonstrate the existence of a valid contract agreement executed containing my full signature. I maintain my stance that XXXX XXXX XXXX was never my creditor, and thus, the collections entry is unwarranted. Wherefore, I never entered into any executed contractual agreement with XXXX XXXX XXXX to validate or verify a default. Failure to Provide Verification of Debt Assignment : The recent " UPDATE '' to the RESURGENT RECEIVABLES LLC account does not address the core issue of validation. RESURGENT RECEIVABLES LLC has not provided any verification demonstrating how they obtained the alleged debt from XXXX XXXX XXXX. I reiterate my request for full documentation regarding the transfer and assignment of this debt, as it remains unverified. Violation of Statutes and Permissible Purpose : My concern regarding XXXX XXXX XXXX XXXX permissible purpose to access my credit information has not been addressed by the " UPDATE '' to the account. The alleged creditor, XXXX XXXX XXXX, has failed to produce any credit application containing my full signature, matching my correct social security number, or any evidence of my consent to access my credit information lawfully. I demand that XXXX thoroughly re-investigate this matter, adhering to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). It is essential that XXXX verify the accuracy and legitimacy of the Collections entry by RESURGENT RECEIVABLES LLC and take appropriate actions to rectify any inaccuracies. Initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry by RESURGENT RECEIVABLES LLC. Verify that XXXX XXXX XXXX had a permissible purpose to access my credit information by providing a credit application containing my full signature and matching my correct social security number. Validate the debt assignment and the legitimacy of the collections account with proper documentation. Remove the inaccurate, false, and unauthorized Collections entry from my credit report promptly, if found to be invalid or unverifiable. I also request that XXXX provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute. Furthermore, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous Collections entry. Thank you for your immediate attention to this matter. Your cooperation in resolving this dispute is of utmost importance. If the re-investigation process takes longer than 30 days, I demand that XXXX provide me with a written explanation for the delay and a tentative timeframe for resolution.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by LVNV FUNDING LLC. This dispute serves as a request for re-investigation, as XXXX recently sent a letter notifying me that the LVNV FUNDING LLC account was " UPDATED. '' However, I firmly believe that the information remains unverified and unjustified. I request XXXX to conduct a thorough re-investigation into this matter and remove this entry promptly. For the following reasons : Lack of Contractual Agreement with XXXX XXXX XXXX : As stated in my previous correspondence, I have never entered into any contractual agreement with XXXX XXXX XXXX the alleged original creditor. Despite XXXX 's indication that the account was " UPDATED, '' no evidence has been provided by LVNV FUNDING LLC or XXXX XXXX XXXX to demonstrate the existence of a valid contract containing my full signature. I maintain my stance that XXXX XXXX XXXX was never my creditor, and thus, the Collections entry is unwarranted. Failure to Provide Verification of Debt Assignment : The recent " UPDATE '' to the LVNV FUNDING LLC account does not address the core issue of validation. LVNV FUNDING LLC has not provided any verification demonstrating how they acquired the alleged debt from XXXX XXXX XXXX. I reiterate my request for full documentation regarding the transfer and assignment of this debt, as it remains unverified. Violation of Statutes and Permissible Purpose : My concern regarding XXXX XXXX XXXX XXXXs permissible purpose to access my credit information has not been addressed by the " UPDATE '' to the account. The alleged creditor, XXXXXXXX XXXX XXXX has failed to produce any credit application containing my full signature, matching my correct social security number, or any evidence of my consent for them to access my credit information lawfully. I demand that XXXX thoroughly re-investigate this matter, adhering to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). It is essential that XXXX verify the accuracy and legitimacy of the collections entry by LVNV FUNDING LLC and take appropriate actions to rectify any inaccuracies. Initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry by LVNV FUNDING LLC. Verify that XXXX XXXX XXXX had a permissible purpose to access my credit information by providing a credit application containing my full signature and matching my correct social security number. Validate the debt assignment and the legitimacy of the collections account with proper documentation. Remove the inaccurate, false, and unauthorized collections entry from my credit report promptly, if found to be invalid or unverifiable. I also request that XXXX provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute. Furthermore, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous collections entry. Thank you for your immediate attention to this matter. Your cooperation in resolving this dispute is of utmost importance. If the re-investigation process takes longer than 30 days, I demand that XXXX provide me with a written explanation for the delay and a tentative timeframe for resolution.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My purse was stolen with my credit cards in there called both credit card companys and they still wanted me to pay a balance that i didnt create.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: FCRA 611 ( 15 U.S.C. 1681I ) Account has been disputed with Credit Reporting Agencies multiple times- still appearing on my accounts. Attached is a dismissal from XXXX XXXX XXXX verifying this information was incorrect & ordered by the court. XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A