Date Received: 2023-12-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have disputed several inaccuracies with XXXX XXXX XXXX XXXX, lvnv XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and Perfom an investigation. The creditor is illegally reaged my date active from datesXXXX XXXX is missing date last active and your company has failed to do the proper investigation because if so you wouldnt allowed all those late charge offs from the creditor and i would not have XXXX different dates of last active these are FCRA violations . To whom it may concern i am writing to dispute the following information on my credit report : These items are currently showing inaccurately on my credit report filed with the credit bureaus. Pursuant to 5 U.S.C ss 552a ( i ) ( 3 ) Im requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in the determination shall not use such record. Please contact me at the email address below to let me know that you have corrected my credit report by removing the disputed items within. The next 30 days as stipulated by the FCRA. Thank you for your assistance with correcting this erroneous information on my credit report
Company Response:
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I am a victim of identity theft. Wasn't aware of it for years, because of the pandemic. Then several years later when I was made aware, I started trying to dispute my credit, to no avail. I was recently advised that you are allowed to file charges on identity theft regardless of the time frame.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have disputed this alleged debt with Lvnv funding llc. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Company Response:
State: TN
Zip: 37334
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account Resurgent keeps trying to collect was identity theft, and I have filed a police report that I have provided Resurgent this copy x XXXX ; the last report was faxed on XX/XX/2023. On XX/XX/2023, I spoke with the same rude customer service agent I've talked to. threatened ( military veteran ) me that if I didn't do the affidavit, it would just keep on coming back as an insufficient claim, and I would continue owing until I did that affidavit. ( XXXX years ago I did an identity theft affidavit and it was ignored ) The only thing this company keeps sending me is about XXXX pages of a XXXX account statement ( XXXX ) that's it. ______________________________________________________________________ Your fax to Resurgent at XXXX has been sent successfully! Successful delivery of your fax was confirmed at XXXX XXXX Eastern Standard Time on XX/XX/2023 Your fax included XXXX page of coversheet with your text and XXXX pages of attached documents.
Company Response:
State: GA
Zip: 31015
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My prior case I filed case # XXXX LVNV/Resurgent responded that if I send them a copy of the Identity Theft Report filed through www.identitytheft.gov they would resolve this matter. On XX/XX/XXXX I fax a copy to them at XXXX the 3 pages that were from the FTC. The FTC identity theft report # is XXXX. They know there are UNAUTHORIZED CHARGES on this account. and still refuse to remove this negative misleading information from my credit reports. They ask for proof I send it to them and still refuse to remove this information.
Company Response:
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The debt buyer LVNV funding has charged an additional {$1.00} every month on top of the original high credit amount of {$790.00}. I am unsure of the exact start date, but it would appear to begin in XX/XX/XXXX with the current amount the debt buyer is stating owed to the creditor being {$1000.00}. The debt buyer has also falsely reported to credit bureaus the consumer had disputed the debt every month to change the last activity date on the account to keep it appearing as current and provide a comment to credit reporting agencies regarding collection accounts. The debt buyer contacted the consumer on their mobile phone in XXXX and advised when the consumer requested validation of debt that " we '' were passed providing the validation of the debt while yelling and trying to intimidate the consumer with volatile language and using the tactic of yelling over consumer not allowing for any questioning or clarification. The collection is reporting to all three credit bureaus as an account listed as " other type '' and continuing to falsely report consumer disputes monthly as well as continuing to add {$1.00} to the original amount every month constantly increasing the balance and past due amount.
Company Response:
State: UT
Zip: 84117
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To - LVNV FUNDING LLC XXXX Opened XXXX XXXX XXXX {$430.00} LVNV FUNDING LLC- XXXX XXXX XXXX {$640.00} LVNV FUNDING LLC - XXXX XXXX {$230.00} I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.I am requesting that you provide complete documentation validating this debt, including but not limited to : The original account number The original creditor The date the account was opened The date of the last payment The amount of the original debt An itemized statement clearly showing the full payment history on this account If you can not provide all of this information, then under the law you must cease collection activities regarding this account. Furthermore, if you can not validate this debt, I request that you immediately delete this account from my credit report. The negative information associated with an invalid debt is damaging my credit score and ability to use credit where needed. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. You are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Please supply this or immediately remove it from my credit report.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I am writing to formally lodge a complaint against your debt collection practices, which I believe contravene the provisions of the Fair Debt Collection Practices Act ( FDCPA ). My experience with your agency, particularly concerning a debt you allege I owe to XXXX XXXX, prompts this action. Count XXXX : Harassment and Unfair Practices Your agency has made over XXXX collection attempts, engaging in excessive and aggressive communication. This includes numerous phone calls, emails, and letters, constituting a breach of my privacy and amounting to harassment under the FDCPA ( 15 U.S.C. 1692d ). Such behavior is not only unacceptable but also illegal. Count XXXX : False Representation On XXXX XXXX XXXX, your agency reportedly misrepresented the date of last activity on my debt account. This act of " reaging '' is misleading, as it falsifies the statute of limitations on the debt. It is a deceptive tactic, contravening the FDCPA ( 15 U.S.C. 1692e ). Count XXXX : Inadequate Debt Validation Despite my requests, your agency has only provided billing statements, which do not constitute proper validation of the debt as per the requirements of the FDCPA ( 15 U.S.C. 1692g ). The provided documents are insufficient, and thus, the debt remains unverified. Count XXXX : Intentional Infliction of Emotional Distress Your agency 's unfair and illegal reporting practices have caused significant emotional distress. By providing false information to credit reporting agencies ( XXXX, XXXX, and XXXX ), you have not only harmed my emotional well-being but also hindered my ability to obtain credit under my business entity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demands and Expectations Given the lack of proper debt validation, I demand the immediate removal of the XXXX LVNV Funding entries from my credit reports with XXXX, XXXX, and XXXX. Failure to comply may result in further legal action to enforce my rights under the FDCPA. Additionally, I expect a written acknowledgment of this complaint within 15 days of receipt of this letter. I am resolute in defending my rights under the FDCPA and expect a prompt and satisfactory resolution to these issues.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is attempting to collect a debt which there is no valid signature or a valid contract to showcase any debt to be demanded
Company Response:
State: AR
Zip: 72209
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: LVNV is reporting to XXXX that I owe a debt that was included in Bankruptcy. I do not owe this debt. This debt have also been charged off. I believe this debt is much older than it is being reported.
Company Response:
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A