Date Received: 2023-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: y Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by XXXX XXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE XXXX XXXX XXXX Which was brought by LUV funding was previously deleted for false information and inaccuracies. This company has me listed as a charge off but is illegally reporting me as paying for an account that is current listed as closed. This is against FCRA compliance. This needs to be removed immediately. Please send me a copy of the updated credit report. There is also a fraud alert on my account in which the company has not complied with. Multiple Fraud alerts have me placed on my account. XXXX has received several notices disputes and police report numbers. They have yet to remove this inaccurate information from my account. The information is in accurate the debt was sold without my permission or written signature to a collection agency. I have asked for original proof of ownership as well as a copy of my Identification and wet signature.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Certified dispute letter mailed XX/XX/2023. Dispute letter received XX/XX/2023. Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the CFRA law violations of this third party agency.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Keep receiving communication from LVNV funding for debt collection. The debt owed is for XXXXXXXX XXXX XXXX in the amount of {$750.00}. I have no knowledge of this account and this is negatively affecting my credit score
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX Credit Bureau has been preventing me from filing online disputes for the past six months. I will go to this website, XXXX XXXX XXXX, and log in, just to not be able to file a dispute online and attach supporting documents to each collection account that doesn't belong to me. When I call their dispute department at XXXX, the customer service agents will not listen to me, nor type in the reasoning for my disputes that I'm forced to make over the phone, thus providing inaccurate information on my XXXX Credit file. My rights have been stripped from me from properly filing my own disputes correctly and accurately. And because of that, I have to call their dispute department, and the dispute is NEVER filed correctly sometime the customer service agent will lie and won't file the dispute that I requested at all. This has been going on for over six months and I want the XXXX Credit Bureau to be held accountable for their actions in denying me my rights to file an online dispute, purposely filing inaccurate information, and failing to file my requested disputes over the phone, per the Fair Credit Bureau Act. Please see the supporting attached documents showing that I have not been given access to file a dispute online, and I've called in several times complaining about my phone disputes not being filed correctly and some weren't filed at all but lied to about it. File # 's XXXX, XXXX, just to name a few.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX XXXX XXXX XXXX Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation.
Company Response:
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX shows a balance that is incorrect on my credit profile. My credit account was sold to a collection company which is a violation of the fair report act.
Company Response:
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have sent several letter to the debt collector LVNV FUNDING, and they haven't responded to my correspondence. The last two letters I sent was on XX/XX/XXXX and XX/XX/XXXX. I ask them to validate the debt they state I am owing and if that can not be done, then please remove the item from my credit report. They have done neither of these. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXXXXXX 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 XXXXSHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/XXXX XXXX XXXX, XXXX, AZ, XXXX **PROCESSED THROUGH USPS FACILITY, FebXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX **XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX **XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, AZ, XXXX
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: LVNV Funding LLC filed a lawsuit against me in XX/XX/XXXX- I was never properly served although they filed a proof of service. XX/XX/XXXX - They went to the Apartment Manager and asked for my info claiming they were trying to deliver a paycheck - Apartment Manager will sign affidavit. I was not home. But when I got home, my neighbor gave the paperwork to me that they gave to my neighbor claiming it was a paycheck. I opened the envelope that had my name and address written on it, and it was summons and complaint claiming I owed monies to a credit card company they were representing. I have never received any notifications or anything in the mail verifying they now are collecting on behalf of credit card company XXXX - which I closed and paid off account back in XXXX with XXXX XXXX which there was also a complaint I filed with this agency about them fraudantely claiming I owe, their collection practices, etc. The XXXX XXXX XXXX XXXX accepted my Answer to Summons/Complaint then rejected saying documents upside down then accepted it again. Never heard back from the Court or LVNV Funding. Last month- my Employer received documents with my social security on it and a wage garnishment without a copy of the Judge 's order for wage assignment. My employer, against me clearly telling them in writing to not disclose or verify anything because the paperwork had a XXXX address - that this may be fraud - My Employer ( XXXX XXXX ) verified with a representative of LVNV Funding LLC confirming I am employed with them. I contacted the XXXX XXXX XXXX - spoke to a Supervisor after calling for over two weeks since XXXX XXXX the clerk office and getting no response, finally XXXX XXXX on XX/XX/XXXX explained to me that LVNV Funding LLC filed proof of service back in XX/XX/XXXX or so claiming personal service at my address in XXXX. Then In XX/XX/XXXX or so filed certificate of mailing of the Notice Of Default to address in XXXX which they already had my address in XXXX - why say mail to XXXX. I filed XXXX XXXX XXXX to stop wage garnishment because sadly my Employer ( XXXX XXXX ) has already disclosed so much info to this LVNV Funding LLC and LVNV Funding LLC threaten my Employer if they would not garnish my wages claiming a Court order even thou there was no Court order provided. This company LVNV Funding LLC has violated several FDCPA collection practices as well as fraud and misrepresentation with the Court and filed fraudantly documents with the Court as well.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My credit card was compromised and fraudulent charges were made. I thought the account was closed but apparently not. I am not denying that the account was opened by me but the debt/charges that remain on there are due to fraudulent activity/identity theft.
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A