Date Received: 2023-02-17
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: XXXX I ASKED THAT THE CALLS CEASE BECAUSE IT WAS IN VIOLATION OF RIGHTS, I ALSO ASKED THAT PROOF OF CONTRACT AND OR VALIDATION OF DEBT TO BE SENT OUT TO ME AND I HAVE CALLED THEM AS WELL FOR YHE INFORMATION ITS BEEN OVER XX/XX/60 DAYS NO REPONSE BUT CALLS MADE OUT TO ME.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have noticed this company lvnv funding LLC on my credit report. I have attempted to dispute this with XXXX several times. I have seen conflicting addresses to disputers with LVNV funding so I have called. I was told to send it to a XXXX XXXX XXXX. Lvnv funding is reporting two accounts on my XXXX and XXXX credit reports under the name XXXX XXXX one in the amount of {$1600.00} the other in the amount of {$1200.00}. I have asked for validation of the debt. I have received nothing. I have received two different statements from LVNV funding threatening to take me to court and sue me for the amounts listed. I LVNV funding to provide me with the proof of the money that they say I owe what it is for. Explain to me and show me how you calculated what I owe. Provide me copies of any papers that I showed I agreed to pay you what you say I owe. Provide a verification or copy of any judgment if applicable. Identify the original creditor. Provide the statue of limitations has not expired on this account. Provide proof that you are licensed to collect in the state of texas. Provide proof of your license numbers and registration agent. I have received no information from this company. I have no signed contract or dealings with this company. From my understanding it is a violation of the Fair credit reporting act and violation of fair debt collection practices for this company to falsely report that I owe them any money. I have contacted XXXX several times to explain I have no dealings with this company and XXXX refuses to remove this from my credit report.
Company Response:
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a copy of my credit report and found the following errors on Account Numbers : XXXX and XXXX with LVNV Funding LLC XXXX I am hereby requesting this company to confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing this company to cease collection of the debt while efforts are made to obtain verification. Until this is resolve with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.
Company Response:
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: To Whom It Concerns : A collection agency, LVNV Funding purchased XXXX separate long since " closed and written off '' accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) probably for {$100.00} each. My complaint is that LVNV funding, has been allowed, at the credit bureau ( XXXX ), to adjust the original amounts of final debt and dates of such debt. with the original creditors. Such adjustments have changed the " seven-year reporting timeframe '' of such debt ( extended the dates of eventual removal of such debt and added dollar amounts to the original debt that were not incurred with the original creditors ). Such reporting is unfair and inaccurate. I am requesting that the original reported dates and amounts by the original creditors be reported, not LVNV Funding 's dates and amounts.
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Your company has not removed the inquiry before the allowed time, which is a violation. Be mindful that according to 15 usc 1681n which states : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Also under consumer law 15 usc 1681o which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Company Response:
State: MS
Zip: 389XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been forced to file a complaint with the Federal Trade Commission and the Office of the Comptroller of the currency due to XXXX 's misuse of their dispute practices. Previously, I disputed accounts from XXXXXXXX XXXX XXXX LVNV Funding, and XXXX XXXX XXXX I disputed these directly with the companies as well as with all XXXX credit reporting agencies. XXXX responded to the XXXX XXXX dispute by reporting the account " Paid in Full ''. XXXX responded that the account was " verified ''. This is incorrect. They did not properly dispute any of these accounts and they are preventing me from re-initiating a dispute again with the updated information.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Charge off is inaccurate account according to IRS charge off can't be reported as ordinary income 15usc 1681 ( b ) or neither have I've received 1099 c form XXXX # XXXX resurgent/LVNV stated XXXX balance
Company Response:
State: OH
Zip: 44109
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Lvnv funding which is debt collectors accessed my credit report without my permission according to 15usc 1681n they violated my rights 3 times and must pay me per each violation by accessing my credit report they must pay XXXX for each totaling XXXX and must remove negative items from my credit report they also bought debt that was charged off in which they failed to show me actual paperwork bearing my wet signature
Company Response:
State: LA
Zip: 70607
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Lvnv funding LLC / XXXX XXXX XXXX this debt collection is still on my credit report but have been paid and should be removed asap
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On my credit report it shows debt I've never had over 40 addresses and phone numbers it's obvious I was a victim of identity theft I don't have anything on my credit I was incarcerated for 10 years it's impossible to open up credit while in federal custody I'd imagine. Please I'm trying to start a good life and this just hurts me I had no idea these things could be on here
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A