Date Received: 2023-06-09
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: i whole heartedly disagree with lvnv fundings response to my compliant. Lvnv funding can not prove anything. Account statements and a card holder agreement is not enough proof to collect a debt. i am requiring for lvnv to provide a contract that bears my legal signature that obligates me to even pay this debt. I am requiring for them to provide any internet Ip addresses that proves i initiated anything. the supreme court has ruled that account statements is not considered adequate in debt collection processes. Anyone can fabricate a statement of accounts, any one can get a card holder agreement online. Where is the actual proof this account belongs to me. Also the record should state that the lawsuit was not dismissed because of an expiring statue of limitations. The law suit was dismissed because of lvnv funding inability to provide the necessary documentation that i requested proving the validity of the accounts in question. the lawsuit was dismissed because they could not provide any legal proof! the statute of limitations expired after the case was dismissed. Futher more missing from the information they provided is a bill of sales proving they purchased this alleged debt, A transfer of ownership, any witnesses that appeared during the transfer, and proof they can collect in the state of Delaware. This is information they must legally provide. i am asking for : XXXX. ) a contract that bears my legal signature proving i owe this debt XXXX. ) Any internet ip addresses that can be tied to me XXXX. ) bills of sales agreement showing the purchase of the debt XXXX. ) transfer of ownership XXXX. ) witness statements that this debt was actually sold XXXX. ) proof that they can collect in my state CFPB please be advised that i will start the litigation process and will use this information as proof against lvnv funding.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
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: I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Company Response:
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, LVNV FUNDING LLC used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. LVNV FUNDING LLC reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have a credit card account on my profile that I have no knowledge of and I would like for it to be removed as soon as possible
Company Response:
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Please provide Proof of debt with an original signed contract. If you can not provide an original contract with the signature of the purported debtor, this account should be deleted, as it is not mine & this debt can not be truly verified by any other means.
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company called Lvnv funding is trying to say I owe credit one bank money. I have never signed any agreements with lvnv and have no knowledge of them. They are reporting negative information illegally on my credit reports.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I made numerous attempts to get lvnv funding to validate the debt. they continue to send me collection letters and not the original contract with my signature. They are in violation of numerous consumer law and FDCPA laws such as 15 usc 1692c, 1692d, 1692, j and 1692g. they are not complying with my requests of validation of the debt. they are just making redundant attempts to collect a debt that i do not owe.
Company Response:
State: NY
Zip: 13502
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have a negative mark on my credit report from LVNV FUNDING LLC regarding an amount of {$1400.00}. I have no idea who this company is. I never received a bill or notification regarding this amount.
Company Response:
State: AL
Zip: 36582
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following debts belong to my father who died from XXXX in XXXX XXXX. His death certificate was sent to the original creditors and they sold his debts anyway to collectors who tried to collect the debt that's not mine for two years. My father live with me the last year of his life during that time stole my identity his name is XXXX XXXX XXXX XXXX and obtain credit cards services at the hospital and wrecked my life. A XXXX XXXX XXXX XXXX judge has already dismissed two of the following debts has not mine when they tried to sue me yet they keep putting it back on my credit. The following is a list ( XXXX XXXX XX/XX/XXXX {$1600.00}. Disputed twice still on XXXX credit report ). ( law offices XXXX {$2600.00} XX/XX/XXXX ) ( Resurgent funding. 2 accounts. {$1300.00}, {$1400.00}. Cards obtained XXXX XXXX. Collection began XX/XX/XXXX. ( XXXX XXXX {$4300.00} XX/XX/XXXX. Never applied or received the loan from these people never received funds ). ( XXXX XXXX XXXX. XX/XX/XXXX {$760.00} this list of collections not my debt. They were all obtained by stolen identity yet they punished me now my good credit all these years. In comparison if you look at my legitimate accounts I have never had a late payment or a missed payment in 30 years. I paid off my student loans my home my car 's various different loans over the years without ever missing a payment this in contrast for the false information that basically has my life shut down now at XXXX XXXX XXXX. I'm appealing to you for help in this matter immediately as it is basically cause all doors for me and my wife to move forward in life just in our retirement time. Please help us I know I'm small and insignificant and probably not even worth a lot but I have a lot of faith in you thank you.
Company Response:
State: FL
Zip: 32086
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX account was open XX/XX/XXXX. No payment was made on this account XX/XX/XXXX. LVNV, XX/XX/XXXX. THE debt is time bared an should not be reporting on my consumer credit report. 6 years is Tennessee law to collect a debt.
Company Response:
State: TN
Zip: 38114
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A