Date Received: 2023-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company LVNV FUNDING LLC showed up on my credit report as reporting a collections for {$270.00}. I do not know this company and I do not owe LVNV FUNDING LLC anything. I have NEVER done business with them. This is FRAUD to put this on my credit when I do not know them. They need to remove this ASAP.
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Phone calls early mornings, weekends or nights
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I tried to dispute this claim several times, my identity has been leaked online and was used to make several accounts.
Company Response:
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: At XXXX est. Resurgent debt call my phone that was answered by my fiance and with her verifying only my date of birth was able to be told I owed a debt to XXXX for XXXX from XXXX. After I met up and got my phone I was handed over to the lady on the phone which proceeded to tell me that I owed this debt when I call her out for sharing my information he denied all information. I asked to talk to a manager and was told that there was not one. I asked to have a manager to call me. The response was would you like to take care of the debt. My response was I want a manager you gave out information that has nothing to do with my other have. Then there was long silence. This debt was taking care of back in XXXX or XXXX. I owe nothing.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2020 I have requested a copy of the credit application along with drivers license to verify the account. I have not receive the requested information. I have informed them I have no account with XXXX. The only information that I am receiving are statements. I have asked to verify the bank information the account the payments were made and have not received the information. I have mentioned to the company this is not my account I demand a full investigation with credit application, drivers license and the bank account the payments were made. I have made contact with the company XX/XX/2020 to see what this information is in regards. I have been informed by the rep this is a credit card. I have informed the rep that I never owned XXXX credit card and the rep stated that I was a liar. I have requested the documentation with a copy of the application, copy of my license, and a validation letter but never received the information. The rep informed me that I will be sued if I dont pay the balance in full. The rep mentioned to contact my place of employment which I have asked her the name of my place of employment and she wouldnt tell me. The rep also mentioned that I was an abusive retail liar and hung up the phone after I have asked for her to repeat her name. How do I go by getting the help to report this information and should I seek legal action against the company. LVNV Funding have terrorized my life with the verbal abuse.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I never received a contract with my signature on it and my signature was forged on the certificate they sent me any inconsistencies with all XXXX reports all different amount Lvnv funding claim plus u never agreed to selling my dept to a 3rd party plus my names is not XXXX XXXX. I may need to sue for definition of character Too many inconsistencies
Company Response:
State: MO
Zip: 64133
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV FUNDING LLC reported that I owe a debt with XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$560.00} on XX/XX/2022. I never received a notice of my right to dispute. Neither company has ever verified the debt. I have never had a contract with LVNV FUNDING LLC.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: creditor is in VIOLATION OF MY PRIVACY RIGHTS 15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an account without my written instructions.15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes.
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent this company correspondence several times via certified mail stating that I did not owe this debt and to cease and desist all communication and collection activities. They illegally reported to the 3 credit bureaus and I have disputed with them and they have failed to comply as well. Not only did they ignore my demands, but they also continued to send collection letters from different agencies, Resurgent Capital Services, and XXXX XXXX XXXX claiming to represent LVNV in the matter. They have and continue to violate many of my rights under the FDCPA. I have also filed a complaint with the NY Attorney General.
Company Response:
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
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: While checking into the national multistate licensing system, I noticed LVNV FUNDING LLC is not licensed to collect in the XXXX XXXX XXXX and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. Acct number : XXXX ( Comenity capital bank forever ) Acct number : XXXX ( XXXX XXXX XXXX XXXX ) Acct number : XXXX ( XXXX bank XXXX XXXX ) Acct number : XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX. ) After deletion I need an updated credit report.
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A