Date Received: 2023-04-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was contacted by LVNV, they stated that they are trying to collect on a debt. They falsely claimed that I owed them this money and I do not. I asked for verification that they owed this alleged amount, proof of authorization that they are allowed to collect on this alleged debt, and proof of authority to contact me, the consumer, and access my personal private information. I did not receive any correspondence, then when looking on my consumer credit profile, I noticed that they added a fraudulent account to my consumer report, without responding to my dispute and supplying requested informaiton.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-30
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 was paid
Consumer Complaint: Check was sent to cover entire bill was cashed and yet still reporting on my credit report. They received more than the entire bill. Nothing but problems trying to get more money from my checking account when its more than enough to clear a. XXXX XXXX or ding to their document. I had to get my bank to not allow them to continue taking money when they have been paid.
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Attempting to collect money I do not owe them tried to reason with them to stop ruining my credit in which they have I've never had any dealings with lvnv funding at all they are trying to collect on accounts that have been closed for years they won't stop there tactics the accounts they are trying to collect on was written off by the original creditor I've spoken with so it's illegal what they are doing I want them to get there information off of my credit reports and delete the negative info
Company Response:
State: LA
Zip: 70607
Submitted Via: Web
Date Sent: 2023-04-30
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, at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$650.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. XXXX states that I, the consumer, verified documentation from them. I have not verified any information from XXXX.
Company Response:
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2023-04-30
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 was result of identity theft
Consumer Complaint: I didnt make the account my identity was compromised in the XXXX XXXX data breach in 2018
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have disputed the debt on the bases that I have not started an account on XX/XX/2022 and have the amount owed is not the correct amount.
Company Response:
State: PA
Zip: 18901
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Resurgent Capital Services I see you took full advantage of the system behind our backs when you couldn't legitimately prove I owed anyone for what you were attempting to collect so what did you do? You turned around and had LVFUNDING place it on the reporting services agencies like XXXX, I guess that collusion has worked for now, good work, but now that I'm recovering from a long illness we noticed this collusion and have taken a snapshot of it to send to the FTC. This kind of activity on your part shows you have no regard to what the rules are under the FDCPA OR THE FCRA and it certainly isn't XXXX XXXX compliant therefore, we will be suing you for this collusion behind our backs.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please refer to the letter that was sent to this company on XX/XX/2023 and the other attached documents for evidence of violations.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Thank you.
Company Response:
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: LVNV FUNDING LLC claims that I owe a debt but they failed to present a contract that makes me liable for a debt I never applied for a loan or any credit application with LVNV FUNDING LLC or XXXX XXXX XXXX XXXX these company are in violation of Fair Debt Collection Practices Act. 15 U.S.C., Sec. 1601, 1692 a ( 5 )
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A