Date Received: 2024-01-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Contacted on XX/XX/XXXX by LVNV Funding : I do not owe this amount. The debt is not mine. Amount allegedly owed is {$8200.00} I have contacted XXXX XXXX and they have no regard of this debt. My last response to LVNV Funding which has been going on for almost one year was filed on XX/XX/XXXX with the XXXX small claims court in XXXX, Arkansas. XXXX As Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Arkansas XXXX XXXX XXXX ( Defendant is self-represented ) IN THE DISTRICT COURT OF XXXX, XXXX XXXX XXXX ARKANSAS CIVIL DIVISION - DEFENDANT 'S RESPONSE TO PLAINTIFF 'S MOTION FOR SUMMARY JUDGEMENT Let all records show that the Plaintiff, LVNV Funding, LLC and its legal representatives, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to send collection communications to me WITHOUT responding to my original written requests for debt validation which were received by Plaintiffs Counsel via certified mail on XX/XX/XXXX, including a copy to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Arkansas . I continue to be the target of unfair debt collection practices by LVNV and XXXX XXXX XXXX regarding a debt that is not mine. I have communicated this to LVNV Funding LLC but they have ignored by requests. While many pages of meaningless paper were sent to me, none have relevance, and despite being labeled as support it provides absolutely no support of this disputed debt nor has LVNV answered any of my original and specific requests for validation of this debt. Any third party that takes the time to look at these volumes of pages labeled as AFFADAVIT in SUPPORT OF JUDGEMENT will concur that 1 ) there is no existing judgement and 2 ) the information sent provides no meaningful support or explanation of the alleged debt and 3 ) in no way answers any of the very specific questions I submitted in response to the Summons I received in XX/XX/XXXX. Until now I have been very patient and accommodating, answering questions and requesting the most basic information concerning this highly disputed debt, yet my requests have been ignored by LVNV Funding LLC and their law firm, XXXX XXXX XXXX. Once again, this debt is not mine. It is not valid On XX/XX/XXXX, LVNV Funding, LLC received my formal answer to their summons and complaint. In that Answer I requested very specific and very basic information that you have not yet provided. Instead, three months later you sent approximately 80 pages of irrelevant information intended to intentionally confuse, bully, intimidate and overwhelm me, the recipient. This is an unfair practice and the epitome of harassment. It must stop immediately. In regards to the Plaintiffs Motion for Summary Judgement I answer as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included a copy of my credit report which shows that I had a XXXX Account ending in account number XXXX. This account dated XXXX had a credit limit of {$4000.00}. This was PAID AS AGREED WITH A XXXX BALANCE. I respectfully ask the court to dismiss the Plaintiffs Motion for Summary Judgement. I would also ask that the court dismiss the entire Case Number XXXX. Based on the simple fact the Plaintiff continues to fail in regards to providing proper evidence that this account belongs to me. Respectfully submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Attorney for Plaintiff All I receive is basically 80 pages of redacted information. Month in and month out. l have sent a cease and desist letter to LVN Funding.
Company Response:
State: AR
Zip: 72120
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: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: LVNV KNOWS I AM EXEMPT FROM DEBT COLLECTION They must stop and return collection on exempt funds at once and return the account or be sued
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My wallet was stolen during a football game in 2019, that included my driver 's license and social security card. I made a police report right after and was advised to place a fraud alert on my credit. I recently obtained a copy of my credit profile and noticed an account and credit inquiries that I have no affiliation with or knowledge of. I reached out to the XXXX XXXX XXXX requesting verification and that these inaccuracies be removed from my credit profile. Furnishing this account and information to my profile is in violation of 15 USC 1681, not only have I not given any permission or written consent, but fraudulent accounts are being reported on my profile due to identity theft. The impact this account is having on my credit profile is preventing me from accessing new line of credit. The creditor that I have no knowledge of that's reporting to my profile is, Resurg Coll. I also noticed a series of inquiries from XXXX XXXX that I never authorized.
Company Response:
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company continues to report negatively on my credit reports, despite being told it is not my debt numerous times. They had 30 days to provide proof of ownership which they failed to do
Company Response:
State: FL
Zip: 339XX
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: Pre abritration XXXX XXXX Regarding CFPB Case XXXX XXXX XXXXXXXX Reference Numbers : XXXX, XXXX, XXXX, XXXX. Hope this letter finds you well, Thank you for response. I am writing this letter to LVNV Funding LLC ( LVNV ) who currently owns the XXXX accounts XXXX, XXXX, XXXX, XXXX, XXXX was referenced in the inquiry. XXXX out of XXXX accounts were updated and deleted. Account XXXX was not addressed the account needs to be deleted. I also would like to thank you for investigating my fraud claim for identity theft is a serious concern. LVNV FUNDING LLC has also failed to arbitrate, and claims were brought in courts regarding Accounts XXXX and XXXX, which encountered a Summons and Complaint in XXXX XXXX XXXX XXXX While XXXX number XXXX was dismissed without pre-justice, based on my claim of your failure to arbitrate, Case number XXXX is still ongoing. These claims should have never been bought against me, this failure to arbitrate not only breaches contractual arrangements but also violates relevant federal law under 9 U.S. Code, Section 4. The situation has resulted in severe XXXX XXXX XXXX XXXX and a substantial XXXX toll. Both court cases were initiated against me in XXXX, impacting my XXXX XXXX birthday and the XXXX season. This is harassment according to FDCPA 15 US code 1692d. All accounts are in violation. Respectfully, XXXX XXXX
Company Response:
State: FL
Zip: 33160
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I Disputed this account with XXXX and it came back verified. This is not my account so it could not come back as XXXX. I have no knowledge of an account with XXXX XXXX XXXX
Company Response:
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have never signed any contract for services with Resurgent Capital Services or any of its affiliates. I have requested a copy of the original contract with my original signature proving that I entered into an agreement with this company, Resurgent Capital Services or any of its affiliates. I haven't received a copy of this original contract showing my original signature.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Company LVNV Funding LLC is a fraudulent account reporting collections to my credit report for the amount of {$590.00} reported on XX/XX/22. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX credit card ending in XXXX and one other was paid off in full then on XX/XX/XXXX new charges started showing up on this credit card. I sent XXXX XXXX a letter that I never reopened this credit card and this was ID Theft. Then in XXXX I started to get collection letters and phone calls trying to collect on this credit card first by Resurgent and at the same time by XXXX XXXX XXXX and LVNV Funding. I sent them the payoff letter and the ID Theft letter. All they sent back was a copy of an invoice that was XXXX years old and had an address on it that I had not lived at for XXXX years. I even requested from them under the FTC guild lines of ID Theft to provide the required information. They never did reply. I also asked them to remove this information on me from the credit report companies that they had reported this to, they refused. Then on XX/XX/XXXX LVNV Funding hired XXXX XXXX XXXX XXXX XXXXXXXX to file a claim in small claims court. Again I asked XXXX XXXX to provide the requested information under the FTC ID Theft guild lines. XXXX XXXX refused. We went back and forth in court paper work then in XXXX of XXXX LVNV Funding by XXXX XXXX request that this case in small claims to be Dismissed and the court did a dismissal order. Again I asked them to have this information on me removed from the credit report companies that this had been reported this to, they refused. The court requested the same information that I did and they could not provide it. This was a fraudulent law suit knowing that they had no proof to back up their case and this was ID Theft from the start. In XXXX XXXX, XXXX, XXXX XXXX and XXXX all had data breach. XXXXXXXX XXXX was the company that issued the credit cards for these companies.
Company Response:
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV FUNDING LLC Per FCRA as a federally protected consumer I am opting out of any and all authorization I the consumer may have provided, written, verbal, unwritten and non verbal for the duration of indefinitely per 15 USC 6802. Per Privacy Rights Act of 1974. Per IRS Publication 4681 Canceled Debts are certificates of indebtedness and are now reported as income and income can not be collected. Action Requested : Remove from ALL Credit Reports.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A