Date Received: 2023-04-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received written notification of an alleged debt in XXXX of 2020, and requested a validation of the debt. The company failed to provide the requested validation. It has now been over 120 days since my request for validation of the debt.
Company Response:
State: FL
Zip: 32514
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I was asked to pay a fee to take away my loans due to student loan relief and nothing occurred. The amount I owe still is the same and has not went down. They transferred me to a different account and also took the full amount of my taxes due to no payment. I was a struggling single mother and put me in a worst hardship. And they took the money and sent me to a different student loan company.
Company Response:
State: CA
Zip: 95691
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
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 Account # XXXX, has violated my rights. 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. I also had no recollection of an account in Ohio. All transactions from this credit card were made in Ohio and I have not resided there in the past 10 years due to my military status.
Company Response:
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am exhausted and it has taken a toll on my health. This company continues to report credit card fraud on my account. I have been turned down for numerous things because of this including my rest home. I called XXXX XXXX as they requested and they have removed it and investigated it but LVNV is still reporting it.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Company never sent letter This company is also unable to collect debts in California due to not having a California license. I have left a link from the XXXX website.
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was denied a home re-finance due to a collection account being on my credit, which I did not know existed. Once I realized it was there, I contacted the collection company, ( Resurgent ), and they told me it was a debt from a XXXX account in XXXX, which I have no knowledge of. I sent a certified letter asking for verification of debt, which they received on XX/XX/XXXX, and have not responded to at all! I have requested on multiple ocassions that they remove this FALSE debt from my credit, until they can prove otherwise, however, they will not, and are using unethical tactics to try and collect a debt that isn't owed by me.
Company Response:
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit report i have noted some discrepancy on LVNV FUNDING LLC validation was requested and none was provided. I have not received any correspondence from them only harassing calls.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In 2020, my business partner at the time had a copy of my license and social security number due to the fact that he claimed the company needed to file corporate business taxes. Shortly after, the company dissolved, and the business taxes were never even filed. Once the company dissolved, I noticed that fraudulent charges and credit cards were opened under my social security number and license information. I attempted to contact my former business partner to inquire of these charges, however he blocked me and I have not been able to locate him at all. I attempted to file a police report, however the local police department stated that without physical proof, there was nothing I could do. This was the ONLY person who had physical copies of my personal information, and the timeline was exactly when these cards and charges were made. I attempted to resolve this matter for the last two years and explain it to the debt collector with no success. LVNV Funding continues to call me and harass me daily regarding these charges. I need this resolved and removed from my credit once and for all
Company Response:
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response:
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Current Balance : {$630.00} Debt was placed on my credit report and now its damaged my credit bad I keep receiving mails at my residence and receiving emails and feel threatened
Company Response:
State: RI
Zip: 02905
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A