Date Received: 2023-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I already submitted a complaint in which LVNV FUNDING LLC said they would remove the debt from my credit report in which they did for a week and then put it right back in the amount of {$1100.00}. Please remove this from my credit report. Thank you
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was never contacted about this debt, mailed any notification or anything. Also, unaware of who this is as it is not the original creditor. Now it has been added to my consumer report negatively affecting me and my family.
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company LVNV has been reporting on my credit report. I asked them to validate the debt. I asked them to include my signature or anything showing thats its my debt like a contract and they have not been able to verify anything. I have no clue who this company is. They violated my rights. Its been over 60 days and they havent validated anything. I need them to remove this debt off my credit report immediately.
Company Response:
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC Account : for {$540.00}, and {$400.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 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 an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with LVNV Funding LLC and do not have a contract with LVNV Funding, LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and LVNV LLC continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 sw 715,719 i presum that no proof of the alleged debt nor therefore any such debt in fact therefore exists
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
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: The company is LVNV funding that has put on my credit profile two accounts alleging I owe them. I have contacted them through mail and phone explaining I dont know who they are and have never entered into any contractual agreement with their company. I further requested validation of any debt via a contract containing my signature in which they have not yet produced. I also explained that this is damaging to my credit profile prohibiting me from obtaining future credit thus creating a hardship for me. I explained Im well aware of my consumer rights and laws and they are in complete violation and need to be held accountable these are the account numbers acct # XXXX and acct # XXXX. Thank you
Company Response:
State: NJ
Zip: 07008
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV has denied me my right to have a debt verified in accordance with the Fair Credit Reporting Act Section 609. LVNV Funding has not provided sufficient evidence to prove that I actually owe this debt. They have also NOT provided proof they are licensed to collect debts in the state of Florida. This is now my third attempt to have this company validate this debt. I will be reporting this to the FTC and Florida Attorney General for their blatant violation of my rights. I need to see the rest of the paperwork/contracts you have from the original creditor. Present the terms and conditions that gives the interest rate. I am requesting all documents in whole, pertaining to this alleged contract/assignment of debt from all transactions up until this point.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In Accordance with the Fair Credit Reporting Act LVNV FUNDING LLC XXXXXXXX violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Its been almost 2 months and LVNV Funding has Not responded to 2 separate validation letters attempts. They are non-compliant with the law. I have the XXXX receipts showing when they were received by LVNV. I also have copies of the 2 letters that they received and refused to respond to. I have no idea what these adverse, accounts are regarding as they havent provided Anything to me to validate. LVNV also didnt alert the credit bureaus to the fact that these 2 XXXX XXXX XXXX were under dispute and that is Illegal.. They are disparaging my character and preventing me from obtaining new credit.
Company Response:
State: CA
Zip: 917XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC ( the XXXX XXXX ) currently owns the Account, having acquired it on XX/XX/XXXX. As of XX/XX/XXXX LVNV Funding LLC is in violation of the Statute of Limitations in New York State. N.Y. Civ. Prac. L. & R. 214-i states a creditor or debt collector only has three years ( from the date of the last payment on an account ) to sue someone for a debt they owe. A pending lawsuit on this Account with case number XXXX in the Civil Court of the city of New York XXXX County of XXXX XXXX New York must be ceased along with any further contact or communication.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A