Date Received: 2023-03-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: On XX/XX/2023 a dispute took place in regards to the collection that was place on the consumer credit profile with all 3 credit reporting agencies stating that a debt was owed and and that it was impartive that this debt was paid!! After the dispute took place the credit reporting agencies fail to update the consumer credit profile and along with the debt the collector updating the records that took place in regards to this debt that was place on the consumer credit profile
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/XXXX LVNV placed a debt from XXXX XXXX for a credit card in the amount of {$6600.00} on my credit reports in XX/XX/XXXX letters for account verification where sent to LVNV Funding And XXXX XXXX to which both failed to verify the debt so it was removed from my credit reports. XX/XX/XXXX LVNV Funding has a new owner Resurgent Capital Services, they have placed the debt back on my credit so I sent out a account verification letter to Resurgent Capital Services on XXXX XXXX XXXX giving 30 days to respond it is now XX/XX/XXXX and they have not this is long enough for this debt that does not belong to me to be removed Also I was able to have it removed by XXXX dispute # XXXX on XX/XX/XXXX but not XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: 21030
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: In the last 6 months I have written all 3 credit bureaus about credit card debt that is not mine. The original creditor closed account permanently and sent letters to me to do so due to inaccurate information. On my credit report on all 3 credit bureaus they have the same company called LVN FUNDING LLC reported the same 3 credit cards as currently owed as of XX/XX/2023. This is inaccurate reporting and is against the 609 and 611 laws. At this time I do not know what else to do but file a formal complaint. Thank you for taking the time to assist with my request. Information about the debt or credit reporting is below. XXXX XXXX XXXX XXXX Account number - XXXX Amount XXXXXXXX XXXX XXXX XXXX Account number - XXXX Amount XXXX XXXX XXXX XXXX Account number XXXX Reported by LVNV FUNDING LLC XXXX XXXX XXXX XXXX SC XXXX XXXX
Company Response:
State: FL
Zip: 32506
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC is attempting to file a default judgment against me. They continue to pursue without providing me a full debt validation. To this day they have not provided proof of the alleged debt therefore again I request they provide a full debt validation. In accordance with the fair debt credit reporting act LVNV Funding LLC has violated my rights and is currently not authorized to collect debt in the state of Arizona. I request they delete these unconfirmed negative debt collections OFF my credit report due to lack certifiable evidence. It appears this company has had complaints of inaccurate and incomplete records. I refuse to be another victim and I have the right to dispute this alleged debt.
Company Response:
State: AZ
Zip: 85201
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I stand before you today as a victim of the unethical and abusive practices of LVNV Funding LLC, a debt collection agency that has caused me immense pain and hardship. Their tactics have gone beyond what is legal and ethical, and have caused me extreme stress and XXXX. They have called me repeatedly, sometimes multiple times a day, even after I have asked them to stop. They have used threatening language, and have even gone as far as to contact my employer, resulting in the loss of my job. I can not begin to express how devastating this experience has been for me and my family. But the harassment didn't stop there. LVNV Funding LLC also called my landlord, my friends, and my family, asking them about me and my finances. They even called my manager and asked how much I was earning, which is an invasion of my privacy and a violation of my rights. As a result of their constant calls and harassment, I lost my job, which has had a significant impact on my financial stability and well-being. I have struggled to pay my bills and provide for my family, and the stress and XXXX have taken a toll on my mental health. In addition to the financial and emotional hardship, LVNV Funding LLC 's actions have strained my relationships with those closest to me. My landlord and friends have expressed frustration and concern over the constant calls, and my family has had to endure the stress and XXXX alongside me. I am here today to speak out against LVNV Funding LLC 's abusive and illegal practices, and to demand that they be held accountable for the harm they have caused me and others like me. The emotional toll of their actions has been overwhelming, and it has taken a toll on my mental health and wellbeing. I plan to file a complaint with the XXXX XXXX XXXX and will explore all legal avenues to seek restitution for the harm they have caused me. In addition, I will be contacting my state representative and state attorney 's office to bring their attention to the unethical practices of LVNV Funding LLC and to urge them to take action to protect consumers. It is my hope that by speaking out about my experience, I can raise awareness about the abusive practices of debt collectors and prevent others from experiencing the same pain and hardship that I have endured. I urge you all to join me in standing up against these illegal and unethical practices. Together, we can hold LVNV Funding LLC accountable for their actions and ensure that consumers are treated with the respect and dignity they deserve. Thank you for your attention and for your support as I work to seek justice and hold LVNV Funding LLC accountable for the harm they have caused me and others.
Company Response:
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a debt letter from a company called resurgent. They stated I owe money on a XXXX XXXX XXXX credit card Ive never even owned from 2007. I did call XXXX XXXX XXXXXXXX to confirm this and they stated Ive never had a credit card with them. I called the debt collection agency back to tell them its fraud and Im not paying anything.
Company Response:
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Contacted a family member with a text message displaying personal information, AGAIN, after addressing this exact issue in XX/XX/2022, and being assured the family members phone number was removed and they would not be contacted again.
Company Response:
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I previously reported this with you all and XXXX updated my report after I filed a complaint saying that the account, LVNV Funding, meets FCRA requirements. Not only have they not validated the debt, they are now inaccurately reporting Date last active. I have never made a payment on this account as I have been trying to get this company to verify the date for years and they have failed to do so and the credit reporting companies XXXX and XXXX has failed to hold them accountable. I have asked the credit bureaus and the collection agency, LVNV Funding, to verify this debt and they have failed to do so. Also, the collection agency continues to report a late payment to my account every month on this collection account. I have disputed it with the credit bureaus with no resolve. The collection company is telling me that I have no rights and just have to pay the debt. I can provide the letters from each bureau showing what I have done and what they have done. I have received no communication from LVNV funding.
Company Response:
State: TN
Zip: 38024
Submitted Via: Web
Date Sent: 2023-04-02
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: I have tried to contact this company, and agency over XXXX times on disputes with credit karma and as well as their firm, and I also threatened legal action. If it was not taken off my credit report which was reported incorrectly and I have gotten nothing back besides every time I dispute it, they put the information is disclosed as accurate, I also filed a complaint and report on identity theft.gov and I received nothing back and they just keep dragging my credit score down and its negatively impacting my life and ability to owner and possess belongings or Homes. The debt collector is LVNV FUNDING LLC, for XXXX $ apparently which I was a victim of identity theft and one of my friends stole my information and used it against me and I still have not found out who but I have been dealing with this for over 2 years now and its time its removed from my credit report and the derogatory marks removed or I will then go and sue this company.
Company Response:
State: IN
Zip: 46123
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
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: the company keep changing date and not doing anything to verify the dispute aging my report and its has past the statue of limitation in my state so it need to be remove from my report been dispute this for a couple of years and this should have come to resolution and it has not .how in the world last activity is XXXX and XXXX state its opened this is untrue unfalsely
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A