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: I have sent letters and communicated to each credit bureau by phone about the inaccurate reporting of this collection account # : XXXX. The date originally for this account was opened on XX/XX/XXXX ... Each bureau was showing that this account was opened in XXXX which is Inaccurate. XXXX deleted the payment history but the account remains on my file as negative, XXXX reporting as if Im making payments and Im not. But due to XXXX not doing proper investigation and reporting, I just ask that my credit file be updated properly. All of this Inaccuracy negatively affects my credit file.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX do not owe this collection company any money. I dont have a contract signed. So that means I dont owe. I will be seeing in federal court under fcra law. Delete from my credit report ASAP
Company Response:
State: CA
Zip: 93702
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: CREDITOR : XXXX COLLECTION : LVNV FUNDING LLC CREDIT BEREAU ; XXXX, XXXX, XXXX XXXX XXXX AMOUNT : {$710.00} I recently pulled my credit and saw a Discrepancy that was reported on my credit files that I have no knowledge of this account I would like this account removed from my credit file due to the fact of identity fraud. I reported this account to the credit bureau 's in i didn't get the respond or verification of my identity to saying this account belongs to me. my rights is being Violated under the fair credit ACT.
Company Response:
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : LVNV FUNDING LLC, C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ACCT # XXXX ACCT # XXXX AMOUNT : {$890.00} DATE : XX/XX/XXXX This complaint is regarding the above-referenced debt in dispute. I am a victim of identity theft, IRS, and Tax Fraud which caused the IRS to send me a " Pin Code '' for tax-related submission purposes. In XX/XX/XXXX, after years of fighting and getting back on track, I decided to check my annual credit reports. Unbeknownst to me, I noticed that LVNV Funding collection company had a collection account on my credit reports that belonged to someone else. I had never had a XXXX XXXX XXXX credit card. I tried to call this company and get a solution to this fraudulent act but to no avail. I am disputing this debt because I do not owe it. LVNV FUNDING MUST STOP reporting it to the credit reporting agencies and ask them to delete it from my credit reports. Reporting information THEY know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive e-mails or letters concerning this debt that I do not owe to their client after this complaint from such a collection company. The Fair Debt Collection Practices Act requires LVNV FUNDING to respect this request and cease all communications. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Mine isn't about calls but I didn't have an option to chose that worked. I have debt that is owned my multiple companies at once. XXXX XXXX sold my debt to LVNV once they were asked to verify the debt. Now I have the debt showing its owed to 2 companies at once. It was also the same with a company called the Bureaus. I had a lawyer contact both XXXX and Lvnv and it stopped for a while. Now I am getting letters from Resurgent saying I owe the same debt again.
Company Response:
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I DEMAND RELIEF AND REMEDY! I WANT THIS OFF MY CREDIT REPORT AND RELIEF MONEY AS WELL AS THIS COMPANY TO BE HELD ACCOUNTABLE FOR IMPROPERLY NOTIFYING OF SUEING ME. ILLEGALLY PURCHASING DEBT ASKING FOR INCREASED FUNDS THAT INCCURED INTEREST. NOT HAVING ANYTHING SIGNED FROM ME IN THEIR DATABASE. MULTIPLE FALSE ACCOUNTS CONTAINING MY INFORMATION!
Company Response:
State: OH
Zip: 44145
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have a payment arrangements of {$50.00} at one point at was given a balance to pay off of {$280.00} now I been given a higher pay off amount over {$500.00} and still show on my credit report as a owe {$850.00}. I want it remove for my credit report. And I know I can pay off with way less than XXXX but I need this collection remove from my credit report. Please help is affecting my credit with other creditors... thank you
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2023-03-28
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: From my understanding, I do not owe this collection company for this debt.
Company Response:
State: SC
Zip: 29223
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To my understanding, this is a collection company. I do not owe this company any money. I asked them to delete it a few times, however it remains on my report and its impacted my score.
Company Response:
State: SC
Zip: 29223
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: there are several accounts that should have been removed and I've tried several times they just keep showing up they are not mine and no-one does a thing about it and the dates change all the time and I can't get a credit report they keep refusing me
Company Response:
State: NY
Zip: 13440
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A