Date Received: 2023-03-14
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Hello, I am calling in regards to the debt that you are attempting to collect from me. I believe that there may be a case of mistaken identity, as the debt does not belong to me. I have been receiving calls from you XXXX, and I am aware that you have been calling my family, friends, and workplace as well. This is causing me a great deal of stress and anxiety, and it is affecting my personal and professional life. I understand that you may be trying to collect a debt, but this constant harassment is unacceptable. I would like to request that you provide me with information about the debt, including the original creditor and the amount owed. I also request that you send me a validation notice that verifies the debt is mine, as I dispute its validity. I need this information to resolve the matter as soon as possible. And remove it of my credit Furthermore, I want to make it clear that you are not allowed to call me or my family, friends, or workplace anymore. I know my rights under the Fair Debt Collection Practices Act ( FDCPA ), and I know that it is illegal for you to harass or abuse me in any way. If you continue to call me or anyone else, I will file a complaint with the Consumer Financial Protection Bureau and take legal action if necessary. Thank you for your attention to this matter.
Company Response:
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a derogatory report from a corporation by the name of LVNV FUNDING LLC. I have no business with this company. I'm not sure who they brought my information from, but this is violating me in numerous ways. My personal information have been shared without my consent, as well as this corporation reporting to various credit bureaus negative information causing me hardship. They are reporting several times to these credit agencies for different amounts, and under different addresses. This is a tort cases, as well as they are violating my civil rights. These corporations not only try to destroy your character ; they try to put a strain on your livelihood for profit. These practices are illegal, and we as consumers suffer the consequences of their actions. these debts are already paid through our Cesti due trust. The Federal Government took our lawful money out of circulation in XXXX but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Just received noticed this morning that new address had been updated on my credit reports. listed as XXXX XXXX XXXX XXXX, IL I do NOT live or have ever been to such address!! When I went to dispute it, it came up under Resurgent/ LVNV. I have disputed accounts with this debt junk buyer before and even had accounts in court that have been dismissed by my lawyer on these people. I want them removed from all of my credit reports now! I am getting no where with getting them off my credit reports, and now I find this new information on my reports!! This is illegal and fraud by them.
Company Response:
State: MO
Zip: 63052
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The original creditors XXXX XXXX XXXX XXXX XXXX XXXX ) is reported as a fraudulent account on a police report that I have sent them. As a result they were removed from my credit report. LVNV Funding LLC is the new agency reporting the fraudulent account. They are reporting on my XXXX, XXXX, and XXXX
Company Response:
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Lvnv funding placed another collection account on my credit file. Even after I made a payment plan I'm getting tired of this then they lie about me in response to my complaint. So they can keep messing with me. Everybody else has had trouble with them too. They don't have a right to place anything on your credit file when you made payment arrangements. Or a payment plan. I made a payment that I could afford and this still wasn't good enough for them. They want me to be denied credit.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, I've submitted a letter ( XX/XX/23 ) to the credit bureau under the Fair Credit Reporting Act, Section 609, regarding a item that is listed on my credit report. This account was is not mine and I've requested to see the original contract that contains my signature. The company on my credit report is listed as : LVNV Funding LLC.
Company Response:
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I took a look at my credit report and saw LVNV Funding was reporting a negative account in collections. I never heard of this company and don't know who they are. On XX/XX/XXXX I mailed out a certified letter requesting validation of the debt and for them to correct their records. Months pass and still no verification of the debt whatsoever. I reached out again requesting validation of the debt and it looks like I got some fake looking paper with some numbers on it with another debt collector ( XXXX XXXX XXXX ) on there saying they are now collecting for LVNV Funding. It looks like my attempts to have LVNV validate the debt and show proof, are being met without any effort to show validation. This has impacted interest rates, housing opportunities, and completely changed my life. I have done my due diligence, I have wrote them politely asking for proof and validation and I don't get any response with factual information. I sent out my first letter over 5 months ago and have given them ample time to provide validation of the debt. This is a complete violation of my rights. LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX I am including pictures of the certified mail receipt, the letters I sent starting XX/XX/XXXX and the only piece of paper LVNV Funding and Frontline Asset Strategies have sent me which is not anywhere near validation.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I would like to speak with you today about an issue that has been causing me great concern. As you are aware, there is a collection account that has been reported on my credit report, and it has been causing significant damage to my credit score. However, I want to bring to your attention that this collection is not mine in the first place. I have been informed that this collection is related to a debt that was incurred by someone else, and it was mistakenly reported under my name. I have been working diligently to have this issue resolved, but unfortunately, it seems that my efforts have been unsuccessful so far. I am requesting that this collection agency remove this account from my credit report immediately. It is unfair and unjust for me to suffer the consequences of someone else 's mistake. I have been diligent in managing my finances and maintaining a good credit score, and this collection account is tarnishing my reputation unfairly. I understand that the collection agency 's role is to collect debts, but it is also their responsibility to ensure that they are doing so accurately and ethically. I am requesting that they take immediate action to remove this account from my credit report, and I am willing to work with them to provide any necessary documentation or evidence to support my claim. I appreciate your attention to this matter and hope that we can work together to resolve this issue as soon as possible To provide further context, I have been dealing with this collection agency for some time now regarding a debt that was originally reported on my credit report. After disputing the debt and providing evidence that it was not mine, the collection agency agreed to remove it from my credit report. However, I was shocked to discover that the same debt was re-added to my credit report shortly after the collection agency had removed it. Despite my repeated attempts to contact the collection agency and resolve the issue, they have continued to ignore my requests and add the debt back to my credit report. Moreover, the collection agency has been harassing me with incorrect amounts, and they have threatened to take legal action against me if I don't pay up. I have asked them to provide me with all necessary paperwork and proof of the debt, but they have failed to do so. In addition, the collection agency has been calling my family members, causing distress and discomfort to them as well. This behavior is unacceptable, and it is clear that the collection agency is not following the guidelines set forth in the Fair Debt Collection Practices Act. Therefore, I request that the collection agency takes immediate action to remove this debt from my credit report, provide me with all necessary paperwork and evidence related to the debt, and cease all harassing and threatening behavior. I hope that this issue can be resolved quickly and amicably. Thank you.
Company Response:
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 States, I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: LA
Zip: 70005
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A