Date Received: 2023-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV funding LLC brought my information from XXXX XXXX XXXX. I spoke to lvnv and ask them how did they get a hold of my information the representative told me it was through XXXX XXXX XXXX I told him I did not sign any paperwork for them to have my information or give them any verbal yes for them to have a hold of my information however I did not do business with LVNV they are a third party when I asked a representative how did they get this information I was told they brought it from XXXX XXXX XXXX however I did not get any paperwork from XXXX XXXX XXXX or in phone call asking me is it okay to give my information to a third party there was no opt-out paperwork and according to the law before you can give someone information out to a third party there needs to be paperwork with the individual consent giving them the okay to give their information to a third party or verbal agreement there was no such agreement which according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This requirement was not met and also according to and it's also against the law for someone to buy a debt the original debt collector so as a result of this I need LVNV funding LLC to give the debt back to the original creditor because by law they are committing fraud and identity theft by putting this information on my report and I do not have a contract with this company nor do I know this company so as a result of this I am asking them to remove this before I take further actions
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was paid to LVNV funding through garnishment on XX/XX/. Now they sold it to Resurgent who is using my former name to collect this debt. Saying I owe {$760.00}. I do not owe the original creditor XXXX XXXX XXXX it was satisfied through court on XX/XX/. I only had one XXXX XXXX credit card.
Company Response:
State: MD
Zip: 214XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent/LVNV is a Debt collecting agency and has been on my credit report for years just causing damage to my consumer report. I have NO contract or agreement with LVNV. I contacted them numerous of times in XXXX and XXXX requesting validation of debt pursuant to 15 USC 1692. They have only sent me in return basic generated statements. They have added 2 separate accounts in my credit report. These accounts are unverifiable, In addition, They are NOT legally authorized to be collecting any debt from me. Resurgent/LVNV is not licensed in my state FLORIDA. to be collecting from me. They are violating The Fair Credit Reporting Act. Account Info : Account Number XXXX XXXX Reported Balance {$780.00} Account Number XXXX XXXX Reported Balance {$710.00} Account Status COLLECTION
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: m not liable with XXXX XXXX. i do not have contact with LVNV FUNDING LLC XXXX. they did not provide me with the original contract as i requested. correction to me my credit report i demand this account be remove from my credit report
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not responsible or liable for this debt with LVNV, I don't have a contract with them, they did not provide the original contract as I have requested
Company Response:
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not responsible or liable for this debt with LVNV, I don't have a contract with them, they did not provide the original contract as I have requested
Company Response:
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I tried calling the companys but no answer. also emailed them as well. no reply. eventually I tried to dispute them with all credit breau 's but I dont know if they even Came off.
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV funding LLC account number XXXX, has not produced any documentation of me doing business with them and they are still reporting on my account.
Company Response:
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX has attempted to contact me through my wifes personal email address and they violated the TCPA by sending me unsolicited sms text messages about a debt from XXXX XXXX XXXX which I never incurred and is not listed on my credit report. I responded the to email requesting to dispute the debt but they replied that they will only continue if provide my mailing address for a dispute confirmation letter. I refuse to release my personal information and requested they email me confirmation. They never did. About a month had passed and they began to sms text message me again stating they will settle the debt and offer a partial write off. I dont have an unpaid debt to write off. I have never had a satellite subscription ever. If XXXX XXXX is a legitimate business, they need to be heavily audited and fined for violations.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX allowed someone to add me as an authorized user on their credit and I reported it and removed it and soon after they opened credit in my name and I let XXXX XXXX XXXX know it wasnt me and they still put it on my credit after they said it would be sent to their fraud department, I was never called!
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A