Date Received: 2023-05-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Request dispute with credit online not resolved fraud
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company continues to report inaccurate information on my credit report that has brought bad things to my life and ruin my credit. Then when i dispute it and ask for verication or validation on the account i still get kno where with it so this has to stop now.
Company Response:
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a bill from a LVNV Funding LLC ( XXXX XXXX XXXXXXXX ) for a bill they say I owe. All my bills and loans are always payed in a timely manner. They say I owe an amount of {$1300.00}. I never received a bill from the company. The only information was this bill from this funding company. When I checked with XXXX this loan is listed as not being paid from LVNV. I never received a bill from XXXX XXXX XXXX XXXX When I called XXXX bank they had no information at all to verify this loan, and the same with XXXXl. They are ruining my credit with with a debt that does not belong to me
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
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: There is a collection account on my credit report from XXXX XXXX XXXX. The original creditor is Capital One. XXXX XXXX XXXX is reporting that the account is still open, and reporting that it was opened in XXXX of XXXX. Both of these are inaccurate information as that account has been closed since XXXX. They are still making reports to the account, latest report was XX/XX/XXXX for an account thats been closed for almost 2 years. I submitted MULTIPLE disputes to XXXX, XXXX and XXXX and stated that i NEVER had an account with Capital One from XXXX of XXXX. XXXX deleted the account from my credit report. XXXX and XXXX did not. The FCRA states that information on a credit report has to be reporting accurately or it has to be deleted. XXXX and XXXX has refused to delete. If this account is not taken off of my credit report I will file a lawsuit against XXXX, XXXX and XXXX XXXX. XXXX XXXX has MULTIPLE reviews about them re-aging accounts so they dont fall off of your credit report. This is illegal and bad business practice. XXXX and XXXX have a legal requirement to remove falsely reporting information and have refused.
Company Response:
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/23 LVNV FUNDING LLC wrote back to me by sending a final bill/previous billing statements, NEVER provided any electronic signatures, nor have they provided the original purchase agreement. This debt in fact is ingalid and needs to be immediately removed from all 3 of my credit reports.
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection account was added to 3 reporting agencies on my credit report by LVNV FUNDING LLC. I sent two [ 2 ] debt validation letters on XX/XX/2023 and on XX/XX/2023 to LVNV Funding LLC. / XXXX XXXX XXXX. The company failed to validate the debt and instead sent me a drafted statement claiming I owe in the amount of {$1800.00}. LVNV Funding LLC. is still being reported on the 3 credit reporting agencies ( XXXX, XXXX, and XXXX ) after two debt validation letters were sent.
Company Response:
State: WA
Zip: 98003
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recently looked at my credit report and saw this company LVNV reporting a account. Funny thing is I have no clue who they are and don't owe them any money. I am filing a complaint against them demanding to see a contract I signed and proof I owe them. I demand they cease any and all contact with me and their reporting of this damaging info to third parties. I want this account DELETED from my credit reports now. This company has violated so many laws under the FDCPA and I plan on holding them liable as far as court if I need to. LVNV violated the FDCPA by not providing me with a notification before reporting the collection account to a credit reporting agency. The FDCPA requires debt collectors to provide consumers with a written notice within five days of their initial communication, which must include : The amount of the debt The name of the creditor to whom the debt is owed A statement informing you that you have 30 days to dispute the validity of the debt A statement informing you that if you dispute the debt, the debt collector must provide verification of the debt In addition, the FDCPA requires debt collectors to provide validation of a debt if a consumer disputes the debt within 30days of receiving the initial notice. I expect a speedy response
Company Response:
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV FNDING LLC is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my XXXX consumer report on XX/XX/23 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV FNDING LLC is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my XXXX consumer report on XX/XX/23 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A