Date Received: 2023-05-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: upon checking my credit report today I learned that this company LVNV Funding LLC has placed two collection accounts on my credit report that are not mine and were previously removed from my credit report by XXXX due to identity theft 3 years ago. I am assuming LVNV just purchased this debt from the creditor and was unaware that this debt was removed prior to their purchase of this debt due to identity theft. I was never contacted nor given the right or time to respond to verify or dispute the validity of this debt.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is in violation of 15 USC 1692g fair debt collection act they haven't provided me validation of debt i have been a victim of identity theft and i refuse to pay a debt that doesn't belong to me. I asked for the original purchase agreement they did not provide me that let alone a signed contract bearing my signature and this company continues to report this inaccurate information on my credit report damaging my credit. I ask that this item is removed from my credit report because all the times i asked for the original purchase agreement anybody can say you owe them money but they havent once provided me proof that i owe this debt bearing my signature phone number social anything and they havent provided me that they have the right to collect this debt.
Company Response:
State: OH
Zip: 44135
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is in violation of 15 USC 1692g fair debt collection act they haven't provided me validation of debt i have been a victim of identity theft and i refuse to pay a debt that doesn't belong to me. I asked for the original purchase agreement they did not provide me that let alone a signed contract bearing my signature and this company continues to report this inaccurate information on my credit report damaging my credit. I ask that this item is removed from my credit report because all the times i asked for the original purchase agreement anybody can say you owe them money but they havent once provided me proof that i owe this debt bearing my signature phone number social anything and they havent provided me that they have the right to collect this debt.
Company Response:
State: OH
Zip: 44135
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX, I received an email from XXXX stating that an account in my name was sold to Resurgent capital Inc and that XXXX would no longer accept a payment on the amount they were stating I owed. Also at this time, I was notified of the XXXX account on my credit report being updated to charged off as bad debt. As a consumer, I was under the impression that the debt was charged off and it would negatively affect my credit but that would be the end of it. On XX/XX/XXXX, a Notice of Assignment was mailed to me from Resurgent. The notice said nothing about any amount of money being owed, however at the bottom it stated This was sent from a debt collector, however please note that this communication is not an attempt to collect a debt. The sole purpose is to provide information regarding ownership of the account. Again as a consumer never having gone through debt before, I was still under the impression that I didnt owe anything. On XX/XX/XXXX, I received an alert that a new collection had been added to my credit report. I immediately logged in to find out what was going on and there was a new collection showing reporting opened XXXX XXXX by LVNV funding LLC with an active open status which immediately took my credit score from XXXX down to XXXX. I called XXXX and XXXX immediately to dispute this account that I not only didnt recognize, but had also received that notice of assignment a few months prior stating they werent attempting to collect any debt! The dispute was investigated, and the only update I received was that the verbiage would be added to my report that I disagreed with the information. Nobody from LVNV or Resurgent or any other company ever contacted me about my disputes to them about this information being inaccurate. *Please note, this account STILL shows open, and as of XX/XX/XXXX the balance reporting to my credit report has increased by {$500.00}, which is also a major violation. * *Please also note that I brought the fact of the charge off on my credit report up in the complaint I made to the attorney of LVNV in XX/XX/XXXX. Interestingly enough, XXXX was deleted from my credit report in XX/XX/XXXX. Great thing I had kept my proof of the report. * Fast forward to XX/XX/XXXX, the very first glimpse of debt being owed was mailed to me in the form of the initial validation letter. This validation letter was from yet another new company named XXXX XXXX XXXX XXXX, attempting to collect debt on behalf of LVNV. This is the same law group that called me every 2 days from XX/XX/XXXX up until XX/XX/XXXX when I filed a complaint against them for harassment. Mind you, during the time of XX/XX/XXXX, I had just found the courage to leave a job that I had been experiencing harassment for a year and this was right at the start of the holidays. I had gone to my grandmothers house about 3 hours from my residence and decided that since I was taking a break from working, that I would stay through the new year and spend time with her and my family. I returned home around XX/XX/XXXX, to which I checked my mailbox and saw a jammed pack mailbox with about 100 letters/cards/advertisements, etc. I had a ton of catching up to do after being away for a month that I didnt deep dive through each piece of mail immediately. You could imagine my surprise that on XX/XX/XXXX, a lawyer that I had worked with ONE time the previous year, sent me an email stating he received mail regarding a lawsuit for me with his law firm listed as my address, so he wanted to send it to me so I was aware. What a breach of privacy and how humiliating this was. On XX/XX/XXXX a serviced showed up on my doorstep to serve me papers that I was now being sued for this alleged debt. I can not begin to express the toll this has placed on my mental health, my physical body from the stress, on top of still struggling to find employment. LVNV violated my fair credit reporting act, which affected my interest rate on car refinance, made it impossible to take out any new loans or credit cards, made it impossible to find a place to live with that low of a credit profile, ultimately almost made it impossible for me to find a job in my field of work. I have a state license and with that being on there, I have to provide a detailed explanation to any CEO that thinks of hiring me explaining how I am not a fraudulent individual etc. For them to wait over a year and a half to contact me, finally doing so a week before XXXX, and then serving me a lawsuit not even two months later, however they were able to monthly ruin my credit by reporting to the bureaus while also ignoring my multiple disputes placed on those bureaus. I absolutely want to press charges for emotional distress, humiliation, and violating of my rights and sense of peace.
Company Response:
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: LVNV Funding LLC contacted my work about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from LVNV Funding LLC nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$350.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: LVNV FUNDING RE-AGED 2 ACCOUNTS FROM XXXXXXXX XXXX THAT WERE ALREADY REMOVED BEFORE FROM MY CREDIT REPORT IN XXXX AND XXXX. XXXX IS STILL REPORTING THESE RE-AGED ACCOUNTS FROM XX/XX/XXXX. IT IS A VIOLATION OF THE FCRA LAWS TO RE-AGE AN ACCOUNT. I WANT THIS REMOVED IMMEDIATELY. THIS IS NOW XXXX DISPUTE WITH YOU. THE LAST DISPUTE XXXX STATED THAT IT WAS NOT REPORTING ON MY CREDIT REPORT HOWEVER IT WAS AND STILL IS. I WANT THIS DELETED IMMEDIATELY. XXXX REEMOVED ONE OF THE RE AGED ACCOUNTS BUT DID NOT DELETE THE OTHER ONE. ENDING IN XXXX. AND I HAVENT HEARD ANYTHING FOR OVER 60 DAYS
Company Response:
State: WA
Zip: 98374
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 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: WA
Zip: 98059
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Company Response:
State: WI
Zip: 53210
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
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: To Whom It May Concern : I am writing to file a complaint against XXXX regarding the illegal reporting of collections on my credit report. The collections that XXXX has reported are inaccurate, outdated, and can not be verified. As a result, I have been denied credit and other opportunities. The accounts that are illegally being reported are : LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX XXXX is in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 604, which requires credit reporting agencies ( CRAs ) to provide consumers with a copy of their credit report upon request. It also requires CRAs to disclose to consumers the sources of the information in their credit reports. Section 609, which requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. The notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score. Section 611, which requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. It also requires CRAs to reinvestigate disputes if the consumer provides new information. Section 615, which requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. It also sets out the conditions under which CRAs may furnish credit reports to third parties. Section 623, which includes subsections ( a ) ( 1 ), ( a ) ( 2 ), ( b ), and ( c ). These subsections require CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports, require furnishers of credit information to provide complete and accurate information to CRAs, require CRAs to reinvestigate consumer disputes if the consumer provides new information, and require CRAs to delete information that is outdated, incorrect, or can not be verified. I have attempted to dispute the inaccurate collections with XXXX, but my disputes have been either ignored or rejected without proper investigation. XXXX 's failure to comply with the FCRA has caused me financial harm and has damaged my credit score. I am requesting that XXXX immediately remove the inaccurate collections from my credit report and take all necessary steps to ensure that they are not reported again in the future. Additionally, I am requesting that XXXX provide me with a free copy of my updated credit report. If XXXX fails to comply with this request, I will be forced to consider legal action to seek damages, as well as attorneys ' fees and costs, for their violation of the FCRA. I may also file a complaint with the Federal Trade Commission ( FTC ) and other relevant regulatory agencies. Furthermore, these accounts have been removed from the other two CRA 's, yet XXXX keeps reporting them illegally. Thank you for your attention to this matter. Sincerely, [ Your Name ]
Company Response:
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear Resurgent Capital Services, I am writing to follow up on my previous letters and my complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the debt that is currently on my credit report. As I have stated before, I did not receive any notification or validation of this debt, and I have requested substantiation of this debt multiple times. I am attaching all of my previous correspondence with your company, including the letters I sent requesting validation of the debt and my previous dispute through XXXX XXXX. As you can see from these documents, I have repeatedly requested substantiation of this debt, and I have not received it until my complaint to the CFPB in XX/XX/2023. Furthermore, I would like to address the fact that every time I have contacted your company with a claim through the CFPB, you seem to retrieve new documentation with questionable dates entered. Moreover, None of the documents provided from my first correspondence with the CFPB addressed the fact that I requested substantiation of debt and had not received it until my first complaint. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written validation or substantiation of the debt within five days of their initial communication with the consumer. If a consumer disputes the debt, the debt collector must cease all collection activities until they provide the requested validation. If the consumer disputes the debt, the debt collector must cease collection efforts until the verification or substantiation of the debt is provided. The debt collector must also inform the consumer of their right to dispute the debt and request verification or substantiation. If the debt collector fails to provide verification or substantiation of the debt, the consumer has the right to sue the debt collector for violating the FDCPA. Additionally, if the debt collector continues to attempt to collect the debt without providing the verification or substantiation, they may be subject to penalties and fines. But Im sure we all know the laws surrounding this situation. As such, I am requesting that you remove this debt from my credit report because you failed to provide substantiation of the debt when it was requested, and I am only receiving substantiation of debt now, which still does not comply with the law as it was only given after my complaint to the CFPB. I urge the CFPB to verify any and all documents provided by your company. It is important that you adhere to all state and federal laws and regulations concerning the collection of debts. If this issue is not fully resolved, I will have no choice but to seek further action through the XXXX XXXX XXXX XXXX, my private attorney, and NY state attorney general 's office. I take this matter very seriously and I will not hesitate to pursue all available avenues to protect my rights and interests. Please see attached documents that are notarized and show proof that I have been making substantiation requests that have been ignored by this party. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A