Date Received: 2023-04-13
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: I have attempted to handle this with LVNV FUNDING several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within XXXX business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND DOCUMENT with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNT IMMEDIATELY. 1. LVNV FUNDING # XXXX
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Some time this month i received a alert form my experian credit report. I log in to my account and saw a alleged XXXX XXXX XXXX off Debt. I disputed this debt. I have no knowledge of a XXXX XXXX XXXX XXXX. XXXX investigated this alleged debt and deleted off my experian report. Now LVNV Funding LLC XXXX to the same debt to XXXX for a different dollar amount claiming i owe them money. I have no knowledge of this company. This company did not contact me. The alleged debt reported to my XXXX the next day XXXX deleted it from my report This Company has caused me harm dropping my credit score. My new employment require me to have a good score in the XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX my paycheck was garnished due to an account being opened in my name, the collection company filed suit, and garnished my pay, I had sent them and I have provided them sufficient documentation since XX/XX/XXXX along with the police report to verify the debt was not mine as I was XXXX XXXX XXXX when the account was opened, the agency and attorney of record does not answer or reply to my emails, they have taken almost {$7000.00} from my money. I need to have these collections stopped and my money returned.
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: See attached Cease & Desist and Debt Validation letters for my attempt to resolve this issue.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX and XXXX XXXX are both reporting incorrect information to XXXX and XXXX about account number XXXX. Not sure how an account that has supposed to had been verified, have so many erroneous errors and different information. All are reporting different open dates, Reporting dates are different on all of them, last active dates, and none show any payment history. Not to mention, does this account belong to XXXX XXXX XXXX or XXXX XXXX XXXX? Please remove this unverified account, and inaccurate account form my credit profile.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV and XXXX are reporting very different things on my credit report about account XXXX. I have tried in the past to have this corrected and all I get is invoices in the mail from accounts from an address I never lived at. I want this account removed from my credit report for inaccurate information, inconsistent information, and unverified information. As you can see, everyone is reporting something different about the same account. All have different open dates, the balance is different on all of them, the report dates are different on all of them, the active dates are different on all of them, and they all show different payment history. How can everyone be reporting something different about the same verified account? They can all be wrong, but they can't all be right!
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
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: I was trying to purchase a home and I realized I had damages on my credit report and according to the 15 U.S.C 1681 law, there shouldnt be any damages on my report. Its a deformation of my character.
Company Response:
State: PA
Zip: 16506
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been inquiring with LVNV Funding about a debt that I have no knowledge of. They sent me some payment details that Im still not aware of. I was desperate to fix my credit so I called the company on XX/XX/2023 stating that although I have no recollection of this account I would just settle it to get rid of it. They advised me of a 20 % discount and I advised them that there was absolutely no way I would pay that for something Im unaware of. I decided to complete the necessary steps to have thos debt taken care of no matter the time it takes. Below is my validation request from LVNV funding. To Whom It May Concern : This is in response to the letter I received from your company in XX/XX/2023. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. The agreement bearing my signature stating that I have agreed to assume the debt. A complete and correct social security number that may help identify me as the party you are collecting from. A copy of the government issued Identification presented to incur this debt. Valid copies of the debt agreement stating the amount of the debt and interest charges. Proof that the Statute of Limitations has not expired. Complete payment history on this account along with an accounting of all additional charges being assessed. Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. A purchase agreement or assignment from the original creditor to your company. Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV AND XXXX are reporting that a have a collections account from XXXX XXXX that belong to me. I DO NOT have a XXXX XXXX account that is negative. I have an open and active account with XXXX XXXX. My son XXXX XXXX XXXX had an account with them. Please verify this account with documents proving it belongs to me. XXXX shows this account was opened in XXXX of XXXX, I have been living at XXXX XXXX XXXX XXXX, PA since XXXX, so I know for a fact this is my son 's account. Please remove this account as it is unverified and not belonging to XXXX XXXX XXXX. XXXX has already explained to me that me and my son had combined profiles..
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am fully aware of LVNV Funding LLC unlawful lawsuit and illegal collection practices as there has been many class action lawsuits against them. There is no data listed on my credit report for this account. Attached are copies of statements that I received from LVNV funding but it did not validate the debt. I have had previous history with companies and having to go to court for these same reasons. Which is why I am asking that the debt from my previous complaint be verified in whole before any other actions are taken by myself or LVNV Funding LLC.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A