Date Received: 2023-03-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV Funding LLC is in violation of The Fair Debt Collection Practices Act i have written a letter to LVNV Funding disputing the alleged debt and they have not responded at all and they still continue to report some alleged debt to the credit reporting agencies. They have not validated the debt or responded to my dispute.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe this company any money I do not have a contract signed with this company. I request they delete this account off all 3 credit reports. Delete now please
Company Response:
State: CA
Zip: 93638
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: resurgent receivable {$450.00} keeps calling n emailing and texting me random hours about a debt i have no knowledge of.
Company Response:
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not familiar with this company. I have never done business with this company before. I have never signed any contract nor taken out any loans from this company. What they sent me was proof of loan from XXXX XXXX bank. Which was charged off back in 2020. Due to financial hardship because of Covid-19. I have also sent them several cease and desist letters Which they have felled to acknowledge. Ive also asked them to credit my credit report by removing the negative remarks.
Company Response:
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not familiar with this company. I have never done business with this company before. I have never signed any contract nor taken out any loans from this company. What they sent me was proof of loan from XXXX XXXX bank. Which was charged off back in 2020. Due to financial hardship because of XXXX. I have also sent them several cease and desist letters Which they have felled to acknowledge. Ive also asked them to credit my credit report by removing the negative remarks.
Company Response:
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to dispute fraudulent information that has been reported on my credit file. I recently reviewed my credit report and found several accounts that I did not open or authorize. This indicates that my identity may have been stolen, and fraudulent activity is taking place using my personal information. The following accounts were not opened or authorized by me : # 1 XXXX XXXX Last reported XX/XX/2023 {$870.00} # 2 LVNV FUNDING LLC Last reported XX/XX/2023 {$320.00} # 3 XXXX XXXX XXXX Last reported XX/XX/2023 {$110.00} I did not apply for any of the above accounts and have no knowledge of them. This indicates that someone has obtained my personal information and used it for fraudulent purposes. I am requesting that these accounts be immediately removed from my credit report, and that all related charges and fees be removed as well. I am also requesting that you investigate this matter further to determine the source of the fraudulent activity and take appropriate action to prevent it from happening again. Please provide me with a written confirmation of the outcome of your investigation, and any actions taken to correct the fraudulent activity. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX Regenerate response
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My name is XXXX XXXX XXXX, I received my consumer reports and notice that this company LVNV FUNDING LLC is unlawfully reporting a collection account ( account number being XXXX ). I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I received a call from my mother and son stating a firm called them trying to reach me and provided a reference number. I myself then received a call stating the person on the line ( no name or formal introduction ) was a courier service and needed to verify my address to provide with me legal documents from XXXX XXXX XXXX XXXX based in XXXX. I advised the young lady I did not feel comfortable giving out my personal information at which time she gave me a reference number and told me to call XXXX. I called and spoke with XXXX XXXX. He started the call off asking for my address, it appears the caller ID advised him who I was so there was no formal introduction. I, again advised I did not feel comfortable providing my personal information as I do not know what this is in regards. He proceeded to read off several addresses then threatened to move forward with court proceedings while advising a judge I was not cooperative. We ended the call after he refused to allow me to speak with his superior. I called back at which time he answered again calling me by name. On the 2nd call he advised me this was in regards to a debt from over 10 years ago which has been settled and I offered to send their company documentation. After being threatened with being sanctioned by the courts I ended the call and called again ( this time the number on their website XXXX XXXX XXXX ). I spoke with a XXXX who was more understanding of my fear of providing my information to a random person. I gave him the reference number that was provided early on and he explained I was not speaking with a law firm but a debt collection agency. He provided me details of the debt and stated I was being contacted due to signing a " tolling agreement ''. After reviewing my documents I advised him this debt was dismissed due to fraudulent being opened. I offered to send him documentation via email from the agency they " claimed '' asked them to move forward with collecting. After going through my records and after hearing the story with the first agent he stated he will update the record to show the debt has been closed and to not worry about it. I was not given any formal documentation confirming this matter has been resolved and offered to provide my email address since I was offered a bill via email. This company is very dishonest and collecting fraudulently.
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My credit card was registered on XX/XX/XXXX so my account possibly could have been opened a few days prior. And when I check my credit report It shows It has been open since XX/XX/XXXX. Also when my credit card was bought from a collection agency the total amount was at {$4300.00} and on the credit report It is showing {$4600.00}.
Company Response:
State: TX
Zip: 77590
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/XXXX, I disputed two accounts listed by XXXX XXXX on my XXXX and XXXX credit reports per they do not belong to me. I previously disputed these accounts on my XXXX credit report, and they were removed per they do not belong to me and could not be verified. After my dispute with XXXX in XX/XX/XXXX, these accounts were removed. Since these account were returned to me as verified after my dispute with XXXX in XX/XX/XXXX, I mailed a certified letter ( which I have attached ) on XX/XX/XXXX disputing the items directly with Resurgent Capital as allowed by the FCRA 623 ( a ) ( 8 ) ( E ). As of today, I have not received a response from XXXX XXXX.
Company Response:
State: GA
Zip: 30241
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A