Date Received: 2023-02-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: SEE ATTACHMENT BELOW I did not give consent to report anything to my credit report nor do I have a contract to do business with LVNV Funding. They are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave permission. Violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent two letters for validation to LVNV Funding LLC on an account posted to my credit report. First letter sent XX/XX/XXXX with NO validation. Second letter sent on XX/XX/XXXX again NO response with validation.
Company Response:
State: FL
Zip: 32177
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am a victim of identity theft and i mailed this letter to the company and i went on the company website to send this letter. and when i did. i was violated because i am sending a cease communication and the ONLY way for me to submit the email was to consent for communication. and there was NOT an OPTION to opt out on ALL COMMUNICATION with the COMPANY. XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : XXXX Dear XXXX XXXX XXXX, I am responding to your contact about a debt you are attempting to collect. You contacted me by PHONE, on XX/XX/2023 AT XXXX XXXX CST and MAIL dated XX/XX/2023. You identified the debt as LVNV FUNDING LLC. Please CEASE all communication with me and with this address about this debt. Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Thank you for your cooperation. Sincerely, XXXX XXXX
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Money was taken from your bank account on the wrong day or for the wrong amount
Subissue:
Consumer Complaint: The company kept withdrawing from my bank account on the wrong day this happened 3 times creating over a {$100.00} in overdraft fees. I called the office twice and visited the office and spoke to the manager Please help
Company Response:
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX I sent my dispute letters to the debt collection companies and I still haven't heard anything from you. XXXXYou have violated my rights Under Section Section 609 ( a ) ( 1 ) ( a ) they are required to provide me a contract with my signature on it. You haven't provided me with anything, which is illegal. XXXXUnder 15 USC 1692 ( a ) You were to notify me in 5 days after their intinial communication. I haven't heard from them at all which is in violation of this law 3. Under 15 USC 1692 ( e ) You have been fasely representing the legal status of debt which is out of statue of limitations and they can legally collect. A copy of this will be CC to FTC XXXX ATTORNEY GENERAL
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from an agency called XXXX XXXX XXXX XXXX asking me to pay for an account I had with XXXX XXXX Bank with XXXX. I've never dealt with such a bank. I called XXXX after multiple research they couldn't find any account under my name. I tried to dispute it with the agency, with no success, I tried contacting the bank, and every time I called they asked to leave a message for the Fraud department to call me back but never received a callback.
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV Funding LLC won a default judgment against me by sending court paperwork to an address that I dont live at, and I was never served any paperwork to defend or dispute the alleged debt in court. Whats more, they filed the motion for judgment in a county that I dont live in to further ensure that I wouldnt appear for the court hearing. Now, my wages are being garnished due to this companys failure to notify me of the debt and allow me to challenge the debt in court.
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This LVNV collection opened in XX/XX/2022 with account number XXXX for {$1400.00} found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A