Date Received: 2023-07-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I sent them a refuse to pay cease and desist letter by certified mail and they keep violating the law by sending me letters under FDCRA Its illegal for them to contact me.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: THIS RIGHT HERE IS MY XXXX REPORT AND IT SAYS I HAVE NO COLLECTIONS OR BANKRUPTCY IN MY CREDIT FILE SO WHY IS XXXX ENTERTAINING THIS DEBT, WHICH IS INCORRECT. XXXX XXXX TOLD ME I NEED TO CONTACT XXXX TO REMOVE AND DELETE COLLECTION TO UPDATE MY CREDIT REPORT, AND THEY ARE SUPPOSED TO CONTACT XXXX XXXX TO UPDATE CREDIT REPORT AS XXXX IS HINDERING MY CREDIT REPORT DUE TO MANIPULATIVE LIES FROM LVNV FUNDING LLC OR ANY AFFILIATION WHO BEEN CONTACTING ME WITH PROFANE LANGUAGE, SCARE TACTICS, THREATS TO DO MORE IRRUPUTABLE DAMAGE TO MY EXISTING CREDIT REPORTS. THIS DEBT IS VIRTUALLY 7 YEARS OLD. I ALREADY SENT A LETTER STATING OTHERWISE AS I REBUKE THIS DEBT WHERE IT SHOULD BE DELETED, AND REMOVED WHO IS TIRED OF BEING HARRASSED BY THEM OR ANY THIRD PARTIES. Personal information Includes your name, Social Security number, date of birth, address information, and employment information. Supporting documents may be required. Credit accounts Includes revolving, installment, and mortgage accounts. Supporting documents may be required. Collections and bankruptcy Includes collections and bankruptcy. Supporting documents may be required. ( You currently have no collections or bankruptcy records reporting on your credit file ). Inquiries Requests to view your credit report. Supporting documents are optional.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC keeps reporting to XXXX and XXXX they need to stop. Congress passed the FCRA Laws which allow you to permanently remove negative items from your credit report using prewritten dispute letters. You can remove these following items legally Collections, Late Payments, Medical Bills, Repossessions, Evictions Charge offs Bankruptcies, HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS. And pursuant to the following codes it should be removed. 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. LVNV FUNDING LLC ( XXXX ID : XXXX ) won't provide any documentation that this account belongs to me, or a copy of the Purchase contract that they legally owned this debt by the original creditor. Copies of all the statements from open to close, and Per XXXX XXXX XXXX there not even licensed to operate in the state of California. Therefore, it needs to be removed from my account immediately. Where is the 1099 tax form once a credit company writes off debt, they file 1099 Tax form?
Company Response:
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: THIS RIGHT HERE IS MY XXXX REPORT AND IT SAYS I HAVE NO COLLECTIONS OR BANKRUPTCY IN MY CREDIT FILE SO WHY IS XXXX ENTERTAINING THIS DEBT, WHICH IS INCORRECT. XXXX XXXX TOLD ME I NEED TO CONTACT XXXX TO REMOVE AND DELETE COLLECTION TO UPDATE MY CREDIT REPORT, AND THEY ARE SUPPOSED TO CONTACT CREDIT KARMA TO UPDATE CREDIT REPORT AS XXXX IS HINDERING MY CREDIT REPORT DUE TO MANIPULATIVE LIES FROM LVNV FUNDING LLC OR ANY AFFILIATION WHO BEEN CONTACTING ME WITH PROFANE LANGUAGE, SCARE TACTICS, THREATS TO DO MORE IRRUPUTABLE DAMAGE TO MY EXISTING CREDIT REPORTS. THIS DEBT IS VIRTUALLY 7 YEARS OLD. I ALREADY SENT A LETTER STATING OTHERWISE AS I REBUKE THIS DEBT WHERE IT SHOULD BE DELETED, AND REMOVED WHO IS TIRED OF BEING HARRASSED BY THEM OR ANY THIRD PARTIES. Personal information Includes your name, Social Security number, date of birth, address information, and employment information. Supporting documents may be required. Credit accounts Includes revolving, installment, and mortgage accounts. Supporting documents may be required. Collections and bankruptcy Includes collections and bankruptcy. Supporting documents may be required. ( You currently have no collections or bankruptcy records reporting on your credit file ). Inquiries Requests to view your credit report. Supporting documents are optional.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have only disputed this with the credit bureaus. I do plan on reaching out to the company ( LVNV Funding LLC ) as well but also thought to go on ahead and file a complaint because : this account keeps changing dates constantly and consistently reporting over and over again as a " new '' collection, a recent collection, a just now occurring collection ( dragging down my XXXX XXXX ) and I don't know how or why they can keep doing that.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was an XXXX from XXXX I have no knowledge of this account
Company Response:
State: TN
Zip: 37072
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Response to your XXXX Party Letter of Treat by Mail. The indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX PO XXXX. XX/XX/XXXX From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX To : LVNV Funding, LLC c/o Resurgent Capital Services, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX Dear 3rd Party Collector, As I have NO Contract with you, SIGNED CONTRACT CONSISTS OF TWO PARTIES, SAID OWNER OF XXXX XXXX & myself, please produce, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats. As of today I have presented a Credit Set-Off Settlement to the " XXXX XXXX Bank account ending in 2296 for the Full Billing Amount, along with an IRS 1099A in full compliance with the Commercial Banking Laws of 1933. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and all workers to credit bureaus and sue for damages with a lien. Thank you for your time and have a nice day. Honorably yours, By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have never had a credit card in my name. This account was opened fraudulently without my knowledge.
Company Response:
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
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: Unverified account. This account was removed/deleted from XXXX due to the fact it was unable to be verified or is inaccurate. This account still remains reporting with XXXX and XXXX. Inaccurate reporting, as the information being reported misrepresents the credit history. Section 607 of the FCRA requires that consumer reporting agencies " maintain reasonable procedures designed to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " In addition, Section 623 ( a ) ( 1 ) ( A ) of the FCRA states that " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ''
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have continuously requested to update my credit report with this company and this company will not remove this re-aged collection account that I do not owe. The alleged debt is also time barred in the state of Texas and past the statute of limitations. I have never dealt with this company, bought or paid for services with this company, and they need to cease and desist. The original alleged debt was apparently charged off on XX/XX/XXXX. This junk debt buyer is reporting this alleged debt as an " open account '' and new with them effective XX/XX/XXXX ( 1 yr, 1m ). I have repeatedly requested this to be corrected and this company ignores me. I have disputed this company, asked for verification of the debt, and they ignore me. I need this alleged time barred debt corrected and removed from my credit reports, please.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A