Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. LVNV FUNDING LLC is reporting I owe a debt of {$11000.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Company Response:
State: LA
Zip: 70380
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. XXXX XXXX XXXXis reporting I owe a debt of {$2400.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Company Response:
State: LA
Zip: 70380
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. LVNV FUNDING LLCis reporting I owe a debt of {$3800.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Company Response:
State: LA
Zip: 70380
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. XXXX XXXX XXXXis reporting I owe a debt of {$810.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature
Company Response:
State: LA
Zip: 70380
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted LVNV Funding by mail four times : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I disputed this account because I was unaware that I owed any money to the original company. I was also not contacted by LVNV Funding. The only way I found out about the debt was when I applied for a home loan and they informed me that I had a collection for LVNV Funding. After, I immediately sent a letter to LVNV Funding requesting for verification since I had no knowledge of the account, and had never been contacted regarding the account. Since I sent the letters, I have not received any verification, or information, on the account from LVNV Funding. This has prevented my approval for a home loan for awhile now. This is extremely upsetting considering the interest rate increases in the meantime. I would like immediate removal from my credit report of this derogatory item.
Company Response:
State: TX
Zip: 793XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have never received notification from this company that I owed this really old debt that was previously charged off by XXXX over 9 years ago. I initially informed XXXX back in 2015 that this debt was charged baby my ex husband without permission and was fraud. This company has now purchased this old charged off fraudulent debt from XXXX which was purchased by XXXX and now placing this fraudulent debt into collections to damage my credit for another XXXX years. This should be removed from my credit bureau.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV and XXXX XXXXXXXX XXXX contacted me last year regarding a debit thats not owed to them. I asked them for a signed contract and please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor, date of last activity, my full, complete, and correct social security number that may help to identify me as the correct person you are trying to collect from, agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor and obligation between them and I that allows them to collect on the alleged debt and any transactions between their company that binds me to an agreement to pay their company any money that they claim I own and all they sent was a bill.
Company Response:
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX ( Not XXXX XXXX ) unfairly charged me on an account that I have not used in years. Originally I started an account with them due to my low credit, and trying to build my credit score up. However, once my credit improved I stopped using their card. However, somehow, a month ago, I received a message from a Collection company, LVNV Funding LLC collection company, who claimed I owe XXXX dollar on the XXXX XXXXXXXX account. Throughout the 6 months ( Since XXXX 2022 ) that both they and XXXX XXXX claimed that I owe money, I have never once gotten any sort of noticed that my account was charged without my permission. And now both companies refused to work with me to resolve this issue.
Company Response:
State: WA
Zip: 98466
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received two e-mails that XXXX funding deleted my payment arrangements. They are not listed on my account anymore. They failed to mention this in their last response. I take it as they have closed the two accounts and sent them back to the creditor.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The debt collector failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). During the time of service, the apartment was flooded out and I was not living in the apartment due to a natural disaster. I do not owe this balance. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to c omply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Company Response:
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A