Date Received: 2023-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A loan under my name was takin out in XXXX XXXX XXXX I have filed a complaint against LVNV Funding LLC. before, and I have not gotten any help. I just sent them another message today, and asked to speak with a manger or higher up. I also wrote them a message in the past asking to talk to a manger or higher up. That never happened. My credit score continues to decrease because of this fraudulent loan, and LVNV Funding LLC does not help resolve the matter. I do not want my score to decrease again. I have also contacted other law enforcement agencies regarding this, and hope they can help me.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt collector has not only violated me and my rights as a consumer, but they have violated and blatantly broke the law at my expense. they have engaged is deceptive and unethical business practices against me, which goes completely against the FDCPA guidelines which is prohibited and considered a violation. They acquired and furnished this account which was not authorized by me in any way shape or form. We did not agree upon this account in any way shape or form. I DID NOT sign any agreement, legal contract or documents allowing this fraudulent account to report anything that has to do with me.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete the account from all consumer reports Your company can not purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved.Your company also did not send any information regarding this alleged debt to me which is also a violation. Without prejudice, all natural inalienable rights reserved.
Company Response:
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My concern is that Resurgent Capital Services/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX , continue to make claims of me owing a debt to them. I know for certain that I have not engaged in any business with either of these companies, however, they remain consistent that an alleged debt is owed to them. When I requested VALIDATION of the alleged debt ; that they expect payment for, Resurgent Capital ServicesXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX falsely generated forms to VERIFY their claims to an alleged debt. That was not the request. The other problem extending from their fraudulent activities is the fact of them reporting to the credit reporting agencies such as XXXX, XXXX, and XXXX. I have also observed this information on XXXX. Resurgent Capital Services/ XXXX XXXX XXXX , has no legal rights to operate in the manner that they have against me any more than XXXX XXXX XXXX XXXX XXXX This continues after being instructed to cease and desist their actions/activities. It would be easier for Resurgent Capital ServicesXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX to produce any existing contracts had between them and myself that binds me to an alleged debt in efforts to establish and solidify their grounds to collect anything from me. STATEMENTS ARE NOT CONTRACTS.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to file a formal complaint against LVNV Funding, LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : LVNV Funding, LLC acquired a debt from the original creditor, XXXXXXXX XXXX, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 2. Failure to Provide Verification of Debt : On XX/XX/, I sent a written request to LVNV Funding, LLC, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 3. Ignoring Cease and Desist Instruction : In my previous correspondence with LVNV Funding, LLC, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA. These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of LVNV Funding, LLC to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 2. Cease Collection Efforts : I demand that LVNV Funding, LLC immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA. 3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that LVNV Funding, LLC rectifies their violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV and XXXX XXXX XXXX are both reporting the same debt to my credit report
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to file a formal complaint against XXXX XXXX, XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : XXXX XXXX XXXXXXXX acquired a debt from the original creditor, Synchrony Bank, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 2. Failure to Provide Verification of Debt : On XX/XX/, I sent a written request to XXXX XXXX XXXX requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 3. Ignoring Cease and Desist Instruction : In my previous correspondence with XXXX XXXX XXXX, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, including phone calls and letters, disregarding my rights under the FDCPA. These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX, XXXX to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 2. Cease Collection Efforts : I demand that XXXX XXXX, XXXX immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA. 3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that XXXX XXXX XXXXXXXX rectifies their violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I don't know when this account was supposedly opened, I can't get any information from.this company except that when I try to dispute it they say it is not disputable. They keep reopening the account also. This started in XXXX right after XXXX XXXX XXXX XXXX someone stole his and my information and it was years to correct it, in fact it's not all fixed. I received a text the other day from this company about a new account supposedly opened amd closed that they are now going to harass me over. I pay my bills amd have no outstanding credit cards or any credit cards actually. I have a student loan that is in good standing with no past due or missed payments. Yet because of these accounts I didn't open my credit is XXXX and XXXX. I am driving a XXXX vehicle and can't finance a newer one. I cant get a loan for badly needed dental work or home repairs. I am a single mother with XXXXXXXX XXXX XXXX XXXX. Not that it's relevant but they were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have struggled to provide for them all their lives and this is a big issue with that. I would like to enjoy some credit at thai point in my life. I work hard but paying cash is hard sometimes. I don't want handouts I just want to be able to get a decent credit score if I earned it.
Company Response:
State: TX
Zip: 75501
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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 can't believe that I continue to deal with these issues from the credit bureaus. How is this legal? XXXX, XXXX and LVNV, all say that they have reviewed my reports, and everything is reporting as it should. Everything is accurate, no mistakes and its XXXX XXXX XXXX who owns these accounts. None of the accounts I question have any errors and it's been 100 percent verified. Well i have again more proof that I continue to collect and use for a later date if these items are not removed immediately. Account # XXXX is not only on my report 4 times from the list above. The part that stands out the most is how they all have different last active dates! How do you all have the same account that was supposed to be verified as 100 percent accurate report 4 different last active dates! Are you purposely trying to get sued for breaking the law?? Remove these accounts immediately from my credit profile for reporting inaccurately, failing to investigate, and falling to verify these accounts.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response:
State: AR
Zip: 72118
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A