Date Received: 2023-04-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This company is threatening to forward my information to someone I've never done business with in order to file suit. While typing this I have received another email correspondence with threats. I'm not sure how this company received my location information. Its seem someone else sold my personal information along with an alleged debt. The stress this company is causing me is becoming unbearable, I feel my character is being defamed.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC Account : Accounts ending in XXXX for {$460.00}, XXXX for {$730.00} and XXXX for {$1100.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with LVNV Funding LLC and do not have a contract with LVNV Funding, LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and LVNV LLC continues to report negative information on my credit report.
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I previously submitted complaint # XXXX for this company that is reporting info that is damaging to my credit. They have refused to remove their reporting. I have since found that they are reporting discrepancies on my credit report. Incorrect Reporting of account status : Closed account reported as open, Incorrect date of last payment, date opened, & date of first delinquency
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act 12 XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00} also XXXX Bank XXXX has violated my rights for the amount of {$970.00}. 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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Company Response:
State: PA
Zip: 15136
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX of XXXX, I noticed a collections account on my credit report through XXXX XXXX, which was apparently opened on XX/XX/XXXX. I had no prior knowledge of this account or collections attempt due to no phone calls being received, or mail being sent to my address. This was also apparently collections on a credit card through a XXXX XXXX XXXXXXXX XXXX as listed on my report, I have no history with this bank, nor have I opened a new credit card since XXXX. I actually have all of my credit files locked due to an identity theft breach through XXXX XXXX, so this account shouldnt have been able to be made without my knowledge. A company by the name of LVNV Funding LLC is now attempting to collect on this card that was charged off / sold from the original creditor ( XXXX XXXX XXXXXXXX XXXX ) Ive spent the better half of two weeks calling every single bank with that name and asking if Ive had an account with them, all of which has said no, or has turned me to the company that issues their cards, which have also said no. On top of this, Ive tried to reach out to LVNV Funding LLC, which can not be reached due to a cleverly designed automated loop that will never actually offer to connect you to a human representative. This is being listed as a derogatory account on my credit report that is NOT mine, I have attempted to dispute this through credit karma, to which they have declined to remove from my report due to it meeting some FCRA requirements that I wasnt notified for. XXXX on the other hand has already removed the account from my report, which means that XXXX is officially reporting false information and is refusing to abide by the law.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV funding LLC. or any of their affiliates are not licensed or registered in the state of Florida as a debt collector, or collection agency according to the NMLS Consumer Access website. LVNV Funding LLC NMLS ID # is XXXX, they are licensed and registered in 23 states, but Florida is not one of them, therefore I ask that they cease and desist immediately, and remove all tradelines from all 3 credit bureaus immediately.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not know who this creditor is, However I believe fraud is being committed, this entity is reporting to collection accounts that I do not, nor have ever add. I feel they have just found someones information or traded information and posted it to my report with all three major bureaus. Both with balances above {$1.00}, XXXX dollars.
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The company XXXXXXXX XXXX XXXXXXXX and it's affiliate or partner LVNV funding has attempted to contact me multiple times about a debt that has been in dispute. I have received numerous letters as well as phones calls during the time of a dispute. During the period of a dispute the collection agency or their affiliates are supposed to send validation letters validating the debt since the account has been disputed for identity theft. They have failed to provide this information of the charges or anything validating the debt and continue to contact me. Per CFPB and FDCPA : '' The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/XXXXXXXX '' " You have 30 days to dispute a debt or part of a debt within 30 days from when you first receive the required information from the debt collector. Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you. Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. '' I have disputed this debt and have yet to receive any validation letter, the only letters I continue to receive are letters to attempt to collect the debt and now that it has been assigned to an attorney for legal action. The last letter I received was on XX/XX/XXXX stating the account has been assigned to XXXX XXXX XXXX. As well as received a call from XXXX XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX
Company Response:
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Credit card that was never in my possession, and was stolen and used for this company. Credit card company then sold the debt to another company without my permission, which is a violation of permissible purpose. I would like this account removed from my credit report.
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions. Thank you,
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A