Date Received: 2024-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I wrote to LVNV funding requesting debt validation on the alleged debt, that is reporting on my credit file. They responded with a bill, not validation of said debt. Upon looking over said bill, it stated that a payment was made on this said debt, which is untrue. I have never made a payment on said debt, because I was not aware of said debt until XX/XX/XXXX so how could I make a payment on a debt that I didn't know existed until XX/XX/XXXX. They continue to report inaccurate and untrue information on my consumer reports, which is hindering me from buying a home and auto. They did not honor my request in validating this debt. A bill is not a validation of debt.
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a credit card of {$300.00}. I was unable to pay due to moving. Well now somehow on there I owe over {$800.00} ... on a XXXX dollar credit limit card. Absolutely wrong. And when I try to log in or find any information it says my account has been 'suspended ' so I cant even get any information. I also never got any calls or emails or letters saying they were closing the account.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING LLC {$690.00} XX/XX/2022 THESE NOT MY ACCOUNT I HAVE NO KNOWLEDGE OF THESE ACCOUNT NOR DID I AUTHORIZE ANYONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDITORS ARE VIOLATED SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY. PLEASE PROVIDE ME WITH A CONTRACT WITH MY WET SIGNATURE. In accordance with the Fair Credit Reporting dct. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. LVNV FUNDING has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an accordance with the written my instructions
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a credit card of {$300.00}. I was unable to pay due to moving. Well now somehow on there I owe over {$800.00} ... on a XXXX dollar credit limit card. Absolutely wrong. And when I try to log in or find any information it says my account has been 'suspended ' so I cant even get any information. I also never got any calls or emails or letters saying they were closing the account.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per FCRA 604 ( 2 ) Permissible Purposes as a federally protected consumer each this is a direct violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have provided my information to a consumer reporting agency without any written form of disclosure and without my written consent. You also failed to to produce evidence of said disclosure as described within the FCRA as no such document exist. This was a third party entity that bought my information another source.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have never been associated with XXXX and they have 2 credit card accounts for me one is XXXX XXXX the other is XXXX XXXX and the information is incorrect and not my accounts account numbers XXXX and XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I'm requesting Validation of debt
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Electronic communications
Subissue: Contacted before 8am or after 9pm
Consumer Complaint: They are trying to collect a debt that is so far beyond the statute of limitations its laughable. Please advise You have an account with LVNV Funding LLC. The original creditor was XXXX ( South Dakota ), XXXX. with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX. As of XX/XX/2006 you owed {$1500.00} Between XX/XX/2006 and today You were charged this amount of interest + {$340.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now {$1800.00}
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding, LLC, filed suit against me twice, claiming to have acquired the debt but offered no proof of it. The original contract was not attached in either case. The chain of custody of the debt was not established in either case. I have attached the answers we filed plus an additional pleading evidencing their bad faith in their filings in court.
Company Response:
State: AR
Zip: 72118
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a summons in the mail for a debt I have no clue about and so I called the number on the summons at XXXX and spoke to guy name XXXX stating that he is an attorney for XXXX XXXX XXXXXXXX XXXX., I asked him what was this letter for and he asked me to verify my address and my last four digits of my social and I asked him why. He said it is being used to collect a debt and so I advised him that I have asked before, not to be contacted anymore and that I will be filing a complaint with CFPB. I then went on to ask him what is this pertaining. He stated again that he is a 3rd party attempt to collect a debt for a credit card in the amount of {$2600.00}, so I explained to him that I never had a credit card and I also asked him if so do he have an original contract with my XXXX XXXX on the signature line stating that I have obtained credit with this agency. He stated No. That's when I asked him to be taking off the do not call list again. He stated that I need to pay them or I am going to jail.
Company Response:
State: IN
Zip: 46323
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A