Date Received: 2023-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was part of my deceased husband I was forced to pay it due to it being sent to court for judgement. I paid this account to XXXX XXXX XXXX whose client is LVNV funding on XX/XX/2020 amount of {$1500.00}. I received a payoff letter but the new company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who are clients for LVNV funding now who has this account is saying it's not usable and they don't know who XXXX XXXX XXXX are. This account was originally not mines I paid it due to being in judgement with the courts but somehow seems it wasn't posted correctly or sent to right company I have no clue what to do in my position now.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been reporting this account since I've become aware of it. I don't have any other information except that I was put on the account as a cosigner. My husband XXXX XXXX XXXX ) who is now deceased, left me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. I had found out in late 2018 that it included putting several credit cards in my name and somehow having someone cosign my name to a vehicle that was repossessed several months after getting it and now the companies are holding me liable for the payoffs. I have been having trouble to prove my innocence due to him not being alive, lack of knowledge of the chain of events and accounts.I don't have documents to attach because I don't know anything about these accounts except what the collection agencies have sent me. If a death certificate is necessary, I will attach that.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have continued to receive notifications and letters in the mail from this company in regards to a debt which I do not owe. I have to date sent 3 notifications of cease and desist and also stating that I dispute the merit and validity of the debt they are attempting to collect. They decided to send three letters on the same date XX/XX/2023 in response to my XX/XX/XXXX notification of cease and desist. I received another today dated on XX/XX/XXXX and sent a 3rd notice. What they are sending as debt validation is something that they created and it is documented on that letter.
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: HI; RESURGENT/LVNV FUNDING ( ALL ACCOUNTS UNDER MY NAME AND SSN ) : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: HI; RESURGENT/LVNV FUNDING ( ALL ACCOUNTS UNDER MY NAME AND SSN ) : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never had a contract with this company and they put this debit on my credit then took it off after dispute before then added it back again without verifying the debit.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debit has not been verified and put on my credit then taken off after dispute then added back again.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Under USC 15 1681 Reporting debt to my credit is illegal and as consumer law states to bring this to the attention of the CFPB. Ive asked them to stop calling and now an account I didnt give consent to is open under my credit report.By law no negative reports should be reported to a creditors credit report.Ive sent letters for them to verify they have a debt collector licenses. My information was illegally sold to the by XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV FUNDING LLC XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Company Response:
State: GA
Zip: 30307
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt buyer, Has violated my right. 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 602 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. this account still show revolving and charge off in my credit report and this needs to be removed by law been incorrect information and dates. also it was reported as late payments for many months even though they knew i was going through bankruptcy, they improper used my credit report and this accounts needs to be removed also all the late payments needs to be remove from my credit report by law.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A