Date Received: 2023-05-05
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: Dear LVNV FUNDINGXXXX I am writing to dispute the LVNV FUNDING account ( Account number : XXXX ) that is listed on my XXXX credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with LVNV FUNDING. I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b. I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by LVNV FUNDING is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. Thank you for your attention to this matter. Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : XXXX
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This letter is a response to your correspondent dated XX/XX/2023. You stated, " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' As stated in my first letter 15 US Code 1692 ( G ) ( Validation of debt ) and as amended by adding Title 8 USC 802 et seq. All of which work in conjunction with each other. My rights are still being violated. It has not been thirty days from my first disputed letter I sent certified mail on XX/XX/2023. ( Copy of receipt attached with documents ) According to 15 USC 1681 ( A ) ( E ) " Investigative consumer report '' You have not meet the requirements of the Fair Credit Reporting Act. You haven't sent me any evidence to backup your claim. 15 US Code 1681 ( I ) - " Procedure in case of disputed accuracy '' 15 US Code 1681 ( I ) ( 1 ) ( A ) " In General '' 15 Us Code 1681 ( I ) ( 5 ) ( A ) " Treatment of inaccurate or unverifiable information '' 15 US Code 1692 ( I ) - " Legal actions by debt collectors '' 15 US Code 1681 ( N ) " Civil liability for willful noncompliance '' 15 US Code 1681 ( N ) ( 1 ) ( A ) " Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; '' I've been denied credit cards because of this inaccuracy. Such number of punitive damages. My credit report has to be 100 % accurate and 100 % complete in accordance with FCRA! ( " 15 US Code 1681 '' ).
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: They are having people impersonating as lawyers threatening me for money to pay back.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: They keep on saying I owe a debt to XXXX XXXX, when I say show me the statement they have no information, XXXX clearly have stated I paid a amount of XXXX and settled this, although the account is now closed in all 3 credit bureaus it reflects a debt owned XXXX and that should reflect at XXXX
Company Response:
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear Fraud Department, I am the victim of identity theft. Someone used my personal information including my name and Social Security number to open an account with XXXX XXXX XXXX. This account was sent to LVNV Funding/Resurgent for collections. I am working with XXXX XXXX XXXX to resolve this issue. Once I was made aware of the fraudulent account, wedisputed the account with LVNV Funding. I was asked to send a copy of my fraud affidavit and drivers license to them for review. These documents were sent to them on XX/XX/. Included in the documents was a written request for all documentation related to the case. I have not received those documents as required by law. My XXXX XXXX XXXX agent spoke with LVNV Funding on XX/XX/2023 and was advised that since there was a court ruling in the situation, they would not be marking the account as fraudulent. The court ruled against me because I was not aware of the account and did not have the opportunity to defend myself and explain that the account was the result of identity theft. I would like to reiterate the following points : * I did NOT open this account, and was not aware of its existence. * I did NOT receive notification of the account, the collection activity, or the court case until recently. * I have NOT received the documentation related to the account that I am legally entitled to. Please see the attached copy of the fraud affidavit filed with the FTC and a copy of the police report filed regarding this situation. Resolution : Please review the attached documents and mark the account as fraudulent. Please let me know if you have any additional questions or concerns. I can be reached directly via phone or email .... ( include details ) Thank you
Company Response:
State: NJ
Zip: 07901
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was looking at my credit report and noticed LVNV reporting a collection I am beyond frustrated that LVNV Funding is reporting this account. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me.
Company Response:
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from XXXX XXXX XXXX about a debt from LVNV funding LLC that i do not recognize. They did not provide me the orginal purchase agreement or any contract bearing my signature that i owe this debt and they are reporting this inaccurate information on my credit file i will not pay a debt to someone that i do not owe. i ask that they provide me the orginal purchase agreement to verifiy that i actually owe this debt or remove this from my credit report they are in violation of the fair debt collection act by reporting this unverified account on my credit report.
Company Response:
State: OH
Zip: 44135
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I got a letter in the mail from XXXX XXXX XXXX regarding a debt that they say i owe LVNV but i do not recongize this company and they are reporting on my credit report without providing me the original purchase agreement. or any type of contract bearing my signature that i owe this money. They are in violation of the fair debt collection act by reporting this unverified account on my credit report. I ask that i am provided the purchase agreement by this company i refuse to pay a debt to someone i do not owe. XXXX and XXXX and XXXX are also reporting this on my credit report also.
Company Response:
State: OH
Zip: 44135
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity thief a few years back roughly around 2018 I have always had an fraud alert on my credit report usually someone would call me asking security question assure its me before someone apply a credit card in my name with this particular company they failed to follow my written instructions in my credit file at that time, its been a long time since I pull my credit report and I notice quickly there was a collection of {$1400.00} LVNV funding stating I owe them which i never received any notice from this collector, it was even more odd it show they was collecting a debt allegedly from XXXX XXXXXXXX, which I dispute unauthorized charges and fraudulent account with the original debtor known as XXXX XXXXXXXX. And send documentation to the bureaus to dispute these allegations, my credit file was never update by the bureaus I send valid drivers license, showing correct address, plus police report with I have reported twice and follow up. this company is violation of FCRA rights, and 15 US code 1681 C-2 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) and ( 5 ) 15 US code 1681m ( c )
Company Response:
State: MI
Zip: 48088
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 sectlon 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writton XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Company Response:
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A