Date Received: 2023-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Lvnv funding made a judgement against me that I paid off. Then redid it again and won a judgement against me that I didn't get notified about
Company Response:
State: CT
Zip: 066XX
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: Attempts to collect debt not owed
Subissue: Debt is not yours
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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection 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: MI
Zip: 48227
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: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: This is for the following debt collection companies. XXXX XXXX XXXX XXXXXXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.
Company Response:
State: MO
Zip: 63011
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was not contacted in any way by this company and I suddenly have several collections with inaccuracies and missed payments when I never made any kind of contract with them or agreement. I never had a chance to dispute any of these or have any right to respond before they just reported inaccurate information without any kind of notice or speaking to me. Now they are reporting missed payments when I never had a contract with them to make said missed payments. My rights were violated several times. I shouldnt be liable to this collection agency when they stripped my right to dispute and validate the debts. They did not follow the law or rules and they reported inaccurate information. Now my credit has been damaged and continues to be damaged.
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent a letter to them directly along with my identity theft report and their original XXXX XXXX dispute form and copy of my police report. i am requesting that they delete this account from my credit profile and from their office. thank you
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2023 I sent them an a conditional acceptance letter requesting them to validate there claim against me for an alleged debt I may owe them. They failed to send me anything I requested. They are legally in dispute and they are still reporting this alleged debt on my credit report.
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2023 I sent them an a conditional acceptance letter requesting them to validate there claim against me for an alleged debt I may owe them. They failed to send me anything I requested. They are legally in dispute and they are still reporting this alleged debt on my credit report.
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On the day of XX/XX/2023, I spoke with LVNV customer service and sent a letter asking for the following : -A validation letter containing a copy of the original contract with the original creditor with my signature. -A copy of the original payment history with the original creditor -I also asked for proof of how or when the debt assignment was purchased. After a 30-day waiting period, LVNV Funding llc failed to provide the following and ONLY enclosed a payment history and bill. Without my WET signature present, this debt is invalid. Its also illegal for them to collect something that was paid off by their company and consider it debt. Meaning the debt is no longer owed or valid. I called the company and notified them that I never received an actual validation letter within the 30 day period, and instead they gave me excuses and no actual answers. I was also never notified when my debt assignment was sold nor received information on how to dispute it.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX 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 a 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: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: 3 collections LVNV. I contacted LVNV in the past couple months regarding a debt collection claim on my credit report. Resurgent replied from LVNV website claim they are not collecting and to contact 3 other debt collectors they named off in reply. They would not provide any debt validation. They are still reporting non proven debts on credit report and have not removed. LVNV has been in legal problems with collection and not sure why mine is not being removed from my report because they are not the debt collectors and are not collection under. Credit Bureau refused to resolve in dispute. Debt age is approximately XXXX, XXXX, and XXXX but fact is still shows updated XXXX of XXXX as being correct under their debt ownership claim. It is not correct debt ownership. I contacted a lawyer but unfortunately I am not one of their selected favorites to receive better treatment under fair debt reporting and told no. I am given the run around but will report XXXX XXXX elsewhere. I am not ignorant to rules. If reported and no bankruptcy filed then to be reported legally. Not legally reported.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A