Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I called LVNV Funding LLC and spoke with someone on XX/XX/2023 about I never gave anybody permission to purchase my debt this is illegal, as Im trying to explain to the representative that I was a victim of identity theft then the customer service representative hung up on me.
Company Response:
State: PA
Zip: 17036
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was looking at my credit report last week on the XXXX of XXXX. I notice that I see a LVNV funding LLC collection in the amount of {$1200.00}. I tried reaching out to them on the phone number that I found in XXXX but no one has answered. I have not been sent a letter to even validate the debt.
Company Response:
State: TX
Zip: 75088
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account has remained on my credit report despite having sent dispute letters for proper validation and investigation. The credit bureaus are not performing their duties & hope I don't continue with the corrections of my report by stating they're unable to identify me. I then return my identity for the SECOND time to then be told the account has been verified.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Today, I received an email from a company called XXXX XXXX, a debt collector trying to collect a debt to LVNV Funding LLC. I clicked on the email to find that the debt is for {$130.00} and the original creditor was XXXX Bank with an account number ending in XXXX. The address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have never lived there nor have I had that account or any accounts go into collections in 2015. I am not sure if this is a mistake or if I am being targeted for identity theft so I have been afraid to contact them and give them my personal information.
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Subject : LVNV Funding LLC XXXX XXXX XXXX XXXX Acct. ( s ) Ending : XXXX | Amount {$2200.00} Court System : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - CIVIL SYSTEM - Case Number : XXXX Claim Type : CONTRACT District/Location Codes : XXXX / XXXX Filing Date : XX/XX/XXXX Case Status : ACTIVE Ending : XXXX Amount {$1200.00} Court System : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Case Number : XXXX Claim Type : CONTRACT District/Location Codes : XXXX / XXXX Filing Date : XX/XX/XXXX Case Status : ACTIVE XXXX. Unauthorized Account open as a result of Identity theft XXXX. Time-Barred Debt and Violation of XXXX. Harassment XXXX. Violation of The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the credit reporting industry and protects consumers ' rights. These are just a few of the FCRA 15 U.S.C. 1681 et seq violations I have experience at the hand of LVNV Funding LLC since XXXX and as of now XX/XX/XXXX. Failure to follow proper debt disclosure or dispute procedures Reporting inaccurate information ( Exhibit XXXX ) Mixing my files with someone else who has similar background information a FCRA violations which has result in credit denial, loss of employment opportunities and public embarrassment as a result of repeatedly having to explain a debt that does not belong to me. ( Exhibit XXXX ) XXXX. Willful Non-Compliance and negligent. ( Exhibit XXXX ) My name is XXXX XXXX, and I am submitting this written complaint against LVNV Funding LLC, for harassing me for debt that does not belong to me. I did not authorize the opening of the accounts referenced in this complaint. Both are the result of my identity being stolen in XX/XX/XXXX. I have been disputing the two accounts ever since they appeared on my credit report. I have never made any payments on either account. Both accounts showed up on my credit report XX/XX/XXXX. LVNV Funding has violated Fair Debt Collection practices. My original dispute XX/XX/XXXX fails on death ears as a result I hired XXXX XXXX, XX/XX/XXXX to assist me with the matter. Please see the attached correspondence date XX/XX/XXXX noting where they also sent a dispute on my behalf. This debt does not belong to me and what is more discussing is that LVNV Funding has harassed for more than 36 months over a time-barred debt, that doesnt belong to me and has been filing legal actions against my name causing harm to my credit score, resulting in credit rejection, employment opportunities and public embarrassment by having to provide written explanation as a result of their false reporting. I have provided proof of this ongoing harassment and cyber bullying. They have re-aged using the date they purchased the debt as the date the account was opened. LVNV Funding has reported false information on my credit file to numerous 3rd party credit reporting agencies. Both accounts are over 5 years old and were already time-barred when LVNV purchased them, yet they still proceeded to file all sorts of legal action in court against me. HARASSMENT! It is XX/XX/XXXX which is 5 years from the date that they claim the account went into default. However, the original date referring to my submitted XXXX XXXX correspondence both accounts went into default near or about XX/XX/XXXX, immediately 90 days after they were created which is actually 6 years ago. LVNV Funding llc, has been intentionally breaking the law and violating debt collection practices. I reside in Maryland. Time limits on debts In Maryland, debts must be collected within a certain time. If you owe money to someone, the person is called a creditor, and what you owe them is called a debt. The creditor generally has 3 years ( 4 years if the debt is owed for the sale of goods ) from the date the debt becomes due to ask the court to order you to pay. A court order to pay a debt is known as a judgment. If the creditor does not go to court within the time limit, then the court generally will not order you to pay the debt. Read the Law : Md. Code, Courts and Judicial Proceedings 5-101 ; Commercial Law 2-725 If the creditor does go to court within 3 years, and the court does order you to pay it, then that person has 12 years to collect it from you, unless the judgment is renewed. Complaint No : XXXX ( LVNV FUNDING LLC ) XXXX : ( XXXX, XXXX ) Type : REGULAR CLAIM - Complaint Status : ACTIVE Status Date : XX/XX/XXXX Filing Date : XX/XX/XXXX Amount {$1200.00} Last Activity Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A - Original creditor LVNV FUNDING LLC purchased the closed account and then reopened the account with a new date. Last reported XX/XX/XXXX, and Re-Opened XX/XX/XXXX ( XXXX mos. ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Respectfully, XXXX XXXX XXXX : Maryland Office of the Attorney Generals Consumer Protection Division Consumer Financial Protection Bureau Please see the attached supporting documentation for my claims and damages.
Company Response:
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Service with XXXX was initiated at the end of XXXX, but XXXX was unable to provide the agreed upon service and it was canceled after 1 week. XXXX charged my account and I disputed the charges with the FCC. During the dispute with the FCC, XXXX sent the bill of {$340.00} to collections on XXXX XX/XX/XXXX. I was originally contacted by LVNV Funding LLC and disputed the charges on XXXX XX/XX/XXXX. LVNV Funding did not respond to the dispute within 30 days and I was contacted by 3 companies representing LVNV Funding LLC in XXXX attempting to collect this debt. 1. XXXX XXXX XXXX contacted me on XXXX XX/XX/XXXX with a response date of XXXX XX/XX/XXXX. 2. Resurgent Capital Services contacted me on XXXX XX/XX/XXXX with a response date of XXXX XX/XX/XXXX. 3. XXXX XXXX contacted me on XXXX XX/XX/XXXX with a response date of XXXX XX/XX/XXXX. All of these companies claim to represent LVNV Funding LLC and are attempting to collect an invalid debt. I have informed all of these companies that the original debt was not verified within 30 days and can not be collected under current law. I continue to receive debt collection notices, all with different dates that I have to respond by to dispute it. This debt is not valid and was disputed in XXXX. LVNV Funding LLC appears to be getting numerous companies to contact me and collect the debt they failed to validate in XXXX.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic XXXX and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Company Response:
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I got a derogatory mark on my XXXX, XXXX and XXXX credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. LVNV FUNDING LLC
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have filed one complaint on this company and I am still receiving phone calls from them after telling them do not contact me.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A