Date Received: 2023-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING IS REPORTING A CREDIT CARD ON MY CREDIT THAT I KNOW NOTHING ABOUT. ACCOUNT # XXXX XXXX
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was checking my credit on the beginning of this month and I see a collection I call the original creditor to ask more information about it and to let them know that I was being victim of identity thief but they could not be able to help me because now a collection company is in charge I need proof of that show me how that account was open under my name but no one has an answer
Company Response:
State: NY
Zip: 11720
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a email from Resurgent Capital Services on XX/XX/2023 in regards to an alleged debt they have claimed to have purchased. They believe I now owe them. I understand it may be common practice for companies to purchase debt from companies but that does not give them the right or authority to contact you to attempt to collect a debt. They claim I owe {$640.00}. I have never signed a contract where I agreed to pay them any disclosed amount of finance. They never gave me nor extended me any credit, therefore there is nothing that I owe them regardless if they purchased a debt from a third party. This is a direct violation of the Fair Debt Collection Practices Act section 1692g Sec 809 ( b ).
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: After pulling my credit reports I discovered inaccuracies on ny reports. I reached out to these companies to verify accuracy with dates opened, dates closed and reporting dates and amounts. 15 usc 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account info without written instructions. My account information was shared with other companies without my consent also information such as dates and amounts are inconsistent.
Company Response:
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
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: XXXXX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello I have a debt for XXXX XXXX and XXXX dollars from a collection agency which I was not aware of and I want to dispute it off my credit XXXX says I dont have any collections as well as trans XXXX but it still shows up
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was recently going over my credit file and found some inaccurate items. I have no knowledge of this debt that they are saying I owe. I havent received any phone calls or letters about this, just random emails. In the emails it includes an account number and balance, but doesnt state anything about my right to dispute this debt. According to the FDCPA I am supposed to receive this information within the first 5 days of initial contact. This comes with a civil liability of {$1000.00}. In addition I would like the unverified account removed from my credit profile, as it is preventing me from receiving the funding I need.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. LVNV FUNDING LLC is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * XXXX XXXX * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.
Company Response:
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My attorney contacted XXXX XXXX XXXX / LVNV Funding on XX/XX/2023, regarding an outstanding balance of {$640.00}. My attorney requested the original contract, bill history, and interest paid. They only provide the last billing payment cycle.
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed to XXXX that a collection account just popped up in their report and after waiting a month they did nothing but tell me they confirmed the information and will not remove it. At the same time I disputed with the collection agency and they provided me with paperwork which clearly states another entity and dates which do not belong to me. XXXX never did a dispute, they claimed they did, yet I have the proof they didnt. The reason is that they make money having negative information on people so they can sell their service on fear.
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A