Date Received: 2023-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ive sent multiple request to LVNV Funding, LLC. They only respond with request for me to pay them. I need more information on this alleged debt.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Sent me a letter threatening me with legal action on a debt i dont owe
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account name LVNV Funding Acc # XXXX Balance showing : {$2600.00} What balance should be : XXXX Case Type ID THEFT Which bureaus is the error on? All XXXX Bureaus Account name LVNV FUNDING LLC Acc # XXXX Balance showing : {$610.00} What balance should be:XXXX Case Type ID Theft Which bureaus is the error on? All XXXX Bureaus
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2023-02-10
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 to sue you for very old debt
Consumer Complaint: lvnv funding llc has re aged several debts numerous times making them always look new on my credit report. I have filed multiple disputes with XXXX and they will just reject the dispute and mark it as current even though the original date was XXXX. They also send me collection emails at least every XXXX days.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent a letter requesting validation of debt to include a contract signed by me and proof that the debt is in fact mine and that this company is permitted by law to collect this debt. The only items sent to me by this creditor is an account summary report with the original creditor being a company I DO NOT recognize.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This complaint is regarding an account that was added to my credit report ( all 3 bureaus ) on or about XX/XX/XXXX. Company name LVNV Funding. As a victim of identify theft, I followed the procedures by promptly filing a dispute with all three credit bureaus, as well as sending a debt validation letter directly to LVNV Funding requesting validation of the debt. I received no response. On or about XX/XX/XXXX, the collection was deleted from my credit reports. On today, XX/XX/XXXX, I received an alert from XXXX that my credit score had dropped 26 points. To my dismay, the collection account LVNV Funding had been re-added to my credit report. I thought that once removed, debt could not be re-added. I immediately contacted XXXX to inquire about this, and was told that they only report what the company tells them to, but that I could dispute the item again with them, and also directly to the company. I filed another dispute. I have in my possession a police report & identity theft report. I also added a fraud alert and credit freeze to my credit file, when I realized my identity had been used fraudulently. XXXX has copies of these reports. This collection does not belong to me. I have no knowledge of this company nor the company from which they purchased the debt. ( I was told today by XXXX the debt was originally from XXXX XXXX XXXX XXXX ). I have never had an account or affiliation with XXXX XXXX. I am requesting that this company be investigated, and that the collection be promptly removed from my credit report ( XXXX ), and this company permanently blocked from future reporting as this has been a complete nightmare for me and my family, and has taken a tremendous toll on me mentally, and also taken a lot of time and effort to attempt to resolve. It has also caused me stress and frustration. I am filing this complaint for assistance with this matter, as I am at my wits end. My next step is to contact my Attorney General to report the matter, with the hope that it can end and my credit report be restored to reflect accurate information. Additionally, there is another inaccurate collection reporting to my XXXX credit file. XXXX XXXX XXXX. I have disputed this account multiple times since XXXX as a result of identity theft. I was successful at getting the item removed from both XXXX and XXXX, but not XXXX. Recently, I attempted to dispute it again ( XX/XX/XXXX ) with XXXX, but was told that since it has been disputed numerous times, I could not file a dispute with the credit bureau, only the debt collector directly. I contacted XXXX XXXX XXXX by mail in XX/XX/XXXX, requesting validation of the debt, but received a letter stating that they have sent me information regarding the debt in the past, and that they will no longer send further information. I have never received a phone call or any correspondence from this company, and have no knowledge of this debt. As a consumer, I feel that all 3 credit reports should reflect both accurate and consistent information. With this collection on my XXXX report, that is not the case.
Company Response:
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022 XXXX XXXX XXXX illegally sold my account to Resurgent Receivables LLC which was paid and settled already with XXXX XXXX XXXX which I have the letter to prove from XXXX XXXX, Resurgent Receivables LLC sent me a letter on XXXX XXXX 2022 which I responded back immediately within in 7 days through certified mail letting them know this is not my debt and if they believe it is to verify it I did not receive a letter back from them within 3 months after I sent them the letter to verify and contacted them many times but they are still reporting it on my credit report and it is hurting my credit bad, they are reporting it as a collection account, to resolve this issue I would like them to stop reporting incorrect information on my credit report on all bureaus, Resurgent Receivables LLC are reporting that I owe them XXXX dollars which is incorrect and not my debt I would like them to stop reporting on my credit report on all bureaus
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a account being reported by the Merchant XXXX XXXX XXXX Being reported on all 3 of my credit reports indicating a debt owed in the amount of {$800.00}. I never had a account with XXXX XXXX XXXX. I am a victim of identity theft this account was open fraudulently. I have filed a dispute with XXXX and XXXX, and I still DISAGREE with their investigation results. I have filed a identity theft report at identity theft.gov and I have filed a police report regarding this matter. The information of me being a victim of identity theft has been reported since 2017 to all 3 credit reporting agencies. As there is a personal statement added to my credit file. I really would appreciate it if you could REMOVE THIS FRAUDULENT ACCOUNT FROM MY REPORT it is being reported as a closed account with debt owed. {$800.00}. Please remove the account in entirety.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I spoke with the companies in question about how they retrieve my information. I have requested the companies in question to close the accounts because they were not given permission by me and I didn't owe monies to these companies in question. The negative accounts have not been removed from my credit report.
Company Response:
State: CA
Zip: 93277
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: LVNV Funding Acct # XXXX a said debt that they obtained from XXXX XXXX Bank ending in XXXX is attempting to collect a said debt but they dont have authority to do so in California so under 20 U.S.C 1234e I demand a cease and desist and the third party debt collectors. Also under 15 U.S.C 1681 Section 604a. I have a right to privacy since the said debt was sold my rights were violated again. I ask this account be deleted in error
Company Response:
State: CA
Zip: 95834
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A