Date Received: 2023-03-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: on XX/XX/23 LVNV Funding LLC received my request for disclosures that Federal Law states that i suppose to have gotten while I'm a customer with their company. And I gave them 14 days to resolve this matter and they haven't responded back to me At no time did I ever receive any of the required disclosures from them at the beginning nor while i m customer and they are currently reporting to all the credit reporting agencies. And the FCRA 15 U.S. Code 680215 U.S. Code 6802 - Obligations with respect to disclosures of personal information- which is very clear on what 'Im entitled to..see below In addition - I never gave them permissible purpose to have access to any of my consumer reports pursuant to FCRA 15 U.S. Code 1681b - Permissible purposes of consumer reports Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option
Company Response:
State: SC
Zip: 29340
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: LVNV Funding LLC this debt collector isn't registered or licensed in the state of Florida as a debt collector or collection agency. therefore they need to cease and desist all collection efforts and remove all negative items from all 3 credit bureau 's.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX. This company obtain my personal information without my consent. I have no original contract with this unknown company. They have my information illegally.
Company Response:
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested validation of debt pursuant 15 USC 1692g and sent them a letter on XX/XX/XXXX and XX/XX/XXXX last year. They only sent me an account summary and didn't provide each requirement that I'm asking to validate the debt. This is already affecting my scores and I want them removed as soon as possible
Company Response:
State: IL
Zip: 61832
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been getting harassed by this company who i have no idea who they are stating that i owe them money. Please see attachment below.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Company Response:
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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: My ignorance of the credit laws should not be the reason the cra 's, creditors and collection agencies abuse my rights to privacy. I have been trying to get these accounts dealt with properly. Both accounts, XXXX and LVNV have repeatedly verified this information on my credit report. According to Metro 2, consumer law and factual disputing, these two accounts have violated my rights. I'm getting very frustrated with the way this is dragging on. And every dispute has copies, evidence attached. I was trying to get a refi, and was denied for these accounts. All they do is verify. If you look at my credit report, you see the inconsistencies I have the right to privacy. I didn't give any one permission to share my non public information. At this point, they are willingly and knowingly causing me harm.
Company Response:
State: CA
Zip: 95376
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX I sent a letter to LVNV funding stating i didnt not no where this account # XXXX came from balance was XXXX. On XX/XX/2023 I receive mail back from credit one stating the account was deleted it was not lvnv funding I sent a certified mail with Id and statement shown wrong dates open and closing date to all three credit bureau the account still show closed
Company Response:
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt is related to identity theft. The documentation that Resurgents/LVNV Funding provided indicates the loan approval conditions required they be part of the military. I have never been in the military nor have any affiliations. Resurgents/LVNV Funding should follow up with the original creditor, XXXX XXXX XXXX to obtain additional information related to how and what they used to validate identity and military status. If they complete further investigation they will see this is clearly related to identity theft and this debt does not belong to me. This debt must be cleared and stop reporting on my credit report.
Company Response:
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: please this company is call me to many time i want remove for my credit report please
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A