Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX LVNV Funding LLC [ Their Address ] [ City, State, Zip ] Re : Dispute of Debts To Whom It May Concern, I, XXXX XXXX XXXX, am writing to dispute two specific debts currently listed on my credit report. The first, reported by XXXX XXXX XXXX with a last report date of XX/XX/year>, concerns an open balance of {$510.00} related to XXXX of XXXX XXXX XXXX. The second, reported by LVNV Funding LLC with a last report date of XX/XX/year>, concerns an open balance of {$880.00} related to XXXX XXXX XXXX XXXX XXXX As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e and 15 U.S.C. 1692g, I am disputing these debts and request validation. These statutes mandate accurate and honest communication about the debt and require you to provide a detailed validation notice. Furthermore, there seems to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, as my consent was not provided for accessing or reporting my credit information. This is particularly concerning regarding the debt from XXXX XXXX XXXX, where there is no clear permissible purpose under the FCRA for accessing my credit report. I also cite 15 U.S.C. 1692d and 1692f, which prohibit harassment, abuse, and the use of unfair or unconscionable means in debt collection. Given the remarks on my credit report about the LVNV Funding LLC debt being disputed and meeting FCRA requirements, it is imperative that these matters are handled with strict adherence to these laws. I request a prompt review of these debts and provision of evidence validating them. Should you fail to validate these debts, I expect their immediate removal from my credit reports and a written acknowledgment of this action. Non-compliance will leave me no option but to pursue further legal action. Thank you for your prompt attention to this matter. I await a timely and compliant response. Sincerely, XXXX XXXX XXXX
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: An account was created with my information that is fraudulent and in result lead to collections. What I was able to gather from the collections agency is that this account is for XXXX XXXX and was created XX/XX/. The email address, home address, phone number that was associated with XXXX XXXX is fraud and never owned by me.
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing this letter as I was enrolled in XXXX XXXX while I had XXXX which is reflecting as XXXX XXXX and XXXX XXXX . When I became XXXX and lost my job I filled out a claim and they were supposed to suspend the payments. XX/XX/22 I also disputed the charges with the credit bureau. Please see last statement with me being enrolled in the insurance protection plan. My reference number is XXXX Thanks
Company Response:
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company LVNV FUNDING LLC has attempted to collect a debt. I have never done business with this company. I have made attempts to have the account removed from my credit report and it has not been removed and is negativing impacting my credit.
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I told them the debt was paid and shouldve been cleared..the credit company sold them the debt without my consent and I end up paying it to creditor..I asked for a debt validation letter and they did not have it or never sent it to me..I asked for them to correct it and they still have not
Company Response:
State: IN
Zip: 46614
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with LVNV Funding LLC Account Number XXXX This collection account is reporting OPEN, but also shows a balance of {$870.00}. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with LVNV Funding LLC Account Number XXXX This collection account is reporting OPEN, but also shows a balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: MY INFORMATION WAS SOLD & BROUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF XXXX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY! I AM ATTACHING PROOF THAT XXXX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND XXXX HAS DONE NOTHING TO RESOLVE THESE MATTERS. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS. (ACCOUNT NAME: LVNV FUNDING LLC/ CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX XXXX ACCOUNT XXXX XXXX DATE OPENED XXXX (ACCONT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX -INQUIRY XXXX (ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXXINQUIRY XXXX, (ACCONT NAME: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX-INQUIRY XXXX, (XXXX XXXX XXXX XXXX XXXX XXXX PA. XXXX- INQUIRY XXXX), (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA. XXXX-INQUIRY XXXX XXXX XXXX), (XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX-ACCOUNT XXXX XXXX-DATE REPORTED-XXXXDATE OPENED XXXX
Company Response:
State: MO
Zip: 63111
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: As you know XXXX criminally sold and bought my information as part of their data breach and per 15 USC 1681i they must delete any inaccuracies on the credit report. They are also refusing to issue me my attorneys fees per settlement breach agreement of over {$20000.00} that I turned in when I found I had XXXX default judgements and was never even served. I have police reports of identity theft along with The Ohio Attorney General. XXXX is blindly going off of what these fraudulent creditors are telling them and none of them can provide a complete account number. They are reporting my house is XXXX months late and it is current. I want you to order them to remove everything from my report as far as closed accounts and I never contracted with LVNV and they also can not provide me my full account number and they are saying I owe them money. I dont even know who they are. My identity was stolen thanks to XXXX and they refuse to remove these accounts from my credit report. Even XXXX XXXX, I have a vacated judgement entry as there was not proper service. If anything on my report is not properly reported it must be removed. I demand {$20000.00} from them immediately and the removal of every account that does not have a complete account number, and/ or can not provide every single statement along with every payment, every charge, every dispute, and every reward cashed in. This includes but is not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV XXXX LVNV XXXX Also I want my Mortgage through XXXX updated as current as it is current.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Has been submitted fraudulent information and consistently has accessed my credit report and submitted negative reports to severely damaged my credit score multiple times without my permission authorization or knowledge consistently through multiple different companies that I have no knowledge of and have made threatening calls and contact that it would repeatedly submit false reports and information to dramatically affect my credit score I have told them on numerous occasions that I have no knowledge of these accounts and soon as I stated that they would illegally access my credit report without my consent and permission and submit negative information causing my credit score to drastically drop
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A