Date Received: 2023-04-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Lvnv bought my debt they had XXXX XXXX XXXX XXXX attempting to collect it. They sent me a letter. I requested a debt validation. They then sued me. I was served by law enforcement 26 days after I recieved the initial letter. I contacted a lawyer and they had my suit dropped. They counter sued Lvnv. Even unable to verify my debt lvnv will not delete the account off my credit. The original letter was dated XXXX It came in the mail XXXX ( per informed delivery/with photo ). My court documents were dated XXXX My attorney has copies of communications and the outcomes of litigation.
Company Response:
State: KY
Zip: 40245
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2023, LNVN Funding received a police report and an identity theft affidavit via certified mail # XXXX ( see proof of delivery attached ). After speaking with Representative, I was told that nothing had been received and therefore no actions would be taken regarding the debt. LNVN Funding is not in compliance with FCRA because they are ignoring the police report and identity theft affidavit that was received.
Company Response:
State: CA
Zip: 90043
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2023 I sent a letter request company to provide information for the attempted collection on my credit reports, in regards to the letter they sent me saying I owe LVNV Funding Solutions LLC & RESURGENT CAPITAL SERVICES, 2 collection Companies displayed on all 3 of my credit reports for the SAME accounts. The entities ignored my request and placed collections on my credit reports without validation. These entities did not provide information as required. I.e by disputing this debt and exercising my rights under UCC 1-308. Under UCC 1-308, I reserve my right to not be compelled to perform under any contract or agreement that I did not knowingly, voluntarily, and intentionally enter into. I also reserve my right to assert any and all affirmative defenses and counterclaims that may be available to me under applicable law. Company placed different information on all credit bureaus.
Company Response:
State: FL
Zip: 328XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2023 I sent a letter request company to provide information for the attempted collection on my credit reports, in regards to the letter they sent me saying I owe LVNV Funding Solutions LLC & RESURGENT CAPITAL SERVICES, 2 collection Companies displayed on all 3 of my credit reports for the SAME accounts. The entities ignored my request and placed collections on my credit reports without validation. These entities did not provide information as required. I.e by disputing this debt and exercising my rights under UCC 1-308. Under UCC 1-308, I reserve my right to not be compelled to perform under any contract or agreement that I did not knowingly, voluntarily, and intentionally enter into. I also reserve my right to assert any and all affirmative defenses and counterclaims that may be available to me under applicable law. Company placed different information on all credit bureaus.
Company Response:
State: FL
Zip: 328XX
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX {$850.00}, XXXX XXXX XXXX : # XXXX {$800.00}, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a copy of my credit report and i already disputed the inaccurate information with the debt collection agency and they refused to send me the documents that i requested for Validation of Debt which is a violation of the FDCPA. they sent me a statement of summary and that is not proof of debt or is it a contract between them and i. Company Name : LVNN FUNDING # XXXX
Company Response:
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV FUNDING has made derogatory marks to harm my reputation by using credit reporting bureaus to falsify documentation alleging the existence of a debt. I have never contracted with this company and disputed the alleged debt of {$660.00} ( as of today ). A dispute was filed and marked completed as of XX/XX/ XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies must validate any alleged debt submitted with the original contract containing the alleged debtor 's signature. LVNV FUNDING failed to present this information to any credit reporting agency before, during, or after the dispute. XXXX also ignored their obligation under FCRA by publishing the alleged debt without proof of an obligation. LVNV FUNDING has continued to report these marks and has refused to provide any evidence that an enforceable contract exists. This reporting has hurt my reputation for several years and has unlawfully decreased my eligibility to obtain credit.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: XX/XX/2022 up until now they call almost every day. They are very rude and disrespectful. They curse at me and keep calling me over and over again. In accordance with the fair credit Reporting act LVNV funding has violated my rights. 15USC 1681Section 602 States that I have a right to privacy. 15USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. I've also never opened a windstream account but there are two on my credit.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding # XXXX ( XXXX ) {$670.00} XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} XXXX XXXX XXXX XXXX ( XXXX, XX/XX/XXXX ) {$97.00} XXXX XXXX XXXX XXXX ( XXXX, XXXX ) {$64.00} XXXX XXXX # XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach XXXX would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.
Company Response:
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've called this people and asked for original documentation to request debt validation and a verification letter confirming the details of this debt and the girl put me on long numerous holds then eventually never came back to the phone. I hung up. Now, I'm complaining here.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A