Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent certified letter Notice of Dispute Demand for validation and proof of claim. I gave the company 30 days to provide information. They failed to provide the correct information. They have multiple account that I have requested information from and they failed to provide any information for any of them.
Company Response:
State: NC
Zip: 27127
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: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I checked my credit and saw they stated them money in the amount of {$240.00} for a XXXX account. I have never used XXXX and I never got a debt validation letter from them nor from XXXX. I have never heard anything from this company until I checked my credit and saw it was on there. Due to not being informed within the XXXX day time frame to dispute this fraudulent account, I would like this removed.
Company Response:
State: AZ
Zip: 85705
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: has fraudulently reported and sold my personal information to credit reporting agencies and to LVNV Funding LLC. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: IL
Zip: 60099
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: LVNV placed a collection on my credit report but failed to validate it when I requested the information. This company also tried to sue me in my birth state of Alabama, where I have not lived in many years. The case was dropped because the court was provided with incorrect information. I do not owe a debt to LVNV and they have not provided me with any documentation about the debt. I have requested this information many times and have not received it, yet its still being reported on my credit report as valid. I have written many letters asking for validation and subsequent letters asking for it to be removed because this company refuses to validate the debt.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV FUNDING LLC is reporting inaccurate information in regards to debt I do not owe them and is in violation of the Privacy Act of 1974 and the Fair Credit Report Act. The FCRA states that consumer reporting agencies are responsible for respecting a consumer 's privacy in regards to non-public personal information. Additionally, any information reported must be with the consumers WRITTEN CONSENT per 15 USC 1681 section 604 ( a ) section 2 and the information MUST BE ACCURATE. I have NOT provided LVNV FUNDING, LLC ANY written consent to publish my information. LVNV FUNDING LLC is in violation of 15 USC 1681 b and c because they are improperly using my consumer report and not meeting information requirement standards in regards to adverse information. In fact LVNV FUNDING LLC is committing identity theft as defined by 12 CFR 1022.3 because they are using my personal information without authority to do so or my consent. By using my personal information without my written consent they are in violation of 5 USC 552a. I have no contract with them and I have never done business with them. I did contact them requesting information to validate the accounts, and provide the original contracts and they have not done so. I have also received notices from 3rd parties which claim to have gotten my information from LVNV FUNDING LLC which is another violation of 15 USC 1681. LVNV FUNDING LLC reports information on accounts XXXX and XXXX I cant verify to XXXX, XXXX, and XXXX because they have reported inconsistent data across all 3 of these reporting agencies. I have never paid them anything ( because I do not owe them ) yet they have reported I made a payment on XX/XX/XXXX and that my account is both open and closed. They have been reporting inaccurate information since XX/XX/XXXX and are in violation of 12 CFR 1016.1 as I have received NO OPT out notices. These discrepancies also show that XXXX, XXXX, and XXXX are in violation of XXXX XXXX XXXX compliance procedures which requires them to verify information and ensure information reported is accurate. Any and all consent to XXXX, XXXX, and XXXX in regards to these accounts whether verbal, non-verbal, written, implied or otherwise is revoked. Lastly, LVNV FUNDING LLC is attempting to collect a debt I do not owe them and on accounts that have been charged off by the original creditor ( XXXX ) Per the IRS charge offs ( the debt associated with those accounts ) are defined as income and income does not get reported on a consumer report. LVNV FUNDING LLC, XXXX, XXXX, and XXXX are XXXX parties reporting inaccurate information on my consumer credit report. This problem must be addressed immediately.
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: AS THIS IS A NEW YEAR I DECIDED TO LOOK AT MY CREDIT REPORT AND THIS IS WHEN I SAW MULTIPLE ITEMS ON MY REPORT THAT I HAVE NEVER BEEN A CONSUMER OF NOR HAVE I GIVEN WRITTEN CONSENT! NO CONSENT IS IDENTITY THEFT! XXXX XXXX XXXX XXXXXXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$910.00} XXXX LVNV FUNDING LLC {$440.00} XXXX LVNV FUNDING LLC {$580.00} XXXX AND XXXX HAVE THE SAME ACCOUNT NUMBER ALSO XXXX & XXXX DO NOT HAVE A LICENSE TO ALLICATE BUSINESS IN MY STATE, TEXAS! WHERE I RESIDE.
Company Response:
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Unauthorized withdrawals or charges
Subissue:
Consumer Complaint: I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX. i do not have a contract with LVNV FUNDING LLC. they did not provide me with the original contract as requested.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am filing an official complaint against the following business : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, LVNV Funding ( Resurgent Capital Service ) The reason for the complaint is : continued attempts to collect an alleged debt, and reported this alleged debt to credit bureaus, while having failed to honor my written request for validation of said debt. Most notably, they have failed to produce any documentation that I owed this debt at any point, such as a contract signed by me for a service previously rendered for a specified period. For the record, I assert that this claim of debt is entirely fraudulent, as such a document with my legitimate signature on it does not exist. I have attached the following pages for your review : on which I indicated my wish to dispute the debt. This was mailed back to XXXX/LVNV/ and XXXX via certified mail in the same envelope as my debt verification request letter on XXXX. -Copy of the debt verification letter I mailed to XXXX/LVNV/ and Portfolio via certified mail on XXXX XXXX of XXXX mail return receipt, proving that XXXX/LVNV/ and Portfolio received my debt verification letter on XXXX
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXFalsely reported a claim of debt in the amount of {$190.00} that stated false reporting on my credit profiles which was found to be inaccurate and unlawful.
Company Response:
State: MO
Zip: 63111
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: They illegally brought my personal without my consent violates the privacy act of 1974 and 15 USC 6802, My name is also has a copyright and I'm strict with anyone using my name for profit.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A