Date Received: 2023-01-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX, I dispute a car loan with XXXX XXXX XXXX. In the amount of XXXX, which is not the first time I have dispute this account. I settled this out back in XXXX and was told by company the account will be closed as settlement. Since I have disputed this back in XXXX of XXXX the company has filed to respond and it has now been 38 days and counting. Under FDCPA your company have violated my right due to failure to respond. You failed to provide contract and payment history. I want this account removed from my credit report or I will file a complaint with the general attorney office and hire an attorney and sue for damages you are causing. LVNV Funding LLC in the amount of XXXX. This is now the second complaint I had to file, This account is fraudulent and your company stated this account would be removed. Your company also failed to provide wet printed signature contract, the chain of title of this debt, and your company license to collect in New York under FDCPA you are violating my rights.
Company Response:
State: NY
Zip: 14220
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Section 604 15 u.s. code 1681 b clearly states that credit reporting agencies dont have the right to report anything on my credit report without my consent which they did also Section 605 15 U.s code 1681 C-1 States that with no consent = identity theft which is correct because no credit agencies have my consent. Section 605 B 15 U.S. code 1681 C-2 States that if there notified about something on my report from identity theft or fraud its clearly because I did not consent to it I need these collections account removed of my credit report this is not mine I did not consent to that.
Company Response:
State: NY
Zip: 10310
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV is attempting to collect a debt that was already paid to the credit card company. Also the credit card company is removing the debt from my account. LVNV is definitely trying to collect on something is zombie debt and charging the wrong amount that were attempting to collect debt and they continuously keep going up.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Opened XX/XX/XXXX ( XXXX mos ) LVNV FUNDING LLC- has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. LVNV FUNDING LLC violates 809 Validation of debts, LVNV FUNDING LLC violates 812 Furnishing certain deceptive forms, LVNV FUNDING LLC violates 807 False or misleading representations. LVNV FUNDING LLC HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST XXXX ( XXXX ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT STATUS CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. The consumer has no contract with LVNV FUNDING LLC. The consumer do not consent to contracting with LVNV FUNDING LLC. LVNV FUNDING LLC is requesting unlawful currency in exchange for debt that has already been paid and prepaid since June 5, 1933 via House Joint Resolution 192. The consumer knows that the entire taxing and monetary system has not been placed under the UCC. See [ The Federal Tax Lien Act of 1966 ] " The entire taxing and monetary system are hereby, placed under the UCC. The consumer knows that Federal Reserve notes are not defined as obligations. See 18USC8. The consumer knows that State can not use anything but gold and silver coin in tender and payment of debt. See constitution for the united States 1789 article one section 10. Also see TITLE 28 > PART VI > CHAPTER 176 > SUBCHAPTER A > 3002 Definitions 14 ) State means any of the several States, the District of Columbia, Also seeA state may provide for the collection of taxes in gold and silver only. [ State treasurer v.Wright, 28 Ill. 5091 : [ Whitaker v. Haley. 2 Ore. 128 ] Also seeTaxes, lawfully assessed are collectible by agents in money and notes can not be accepted in payment. Town of Frankfort v. Waldo, 128 ME. 1 ] Also see HAGAR v. RECLAMATION DIST. NO. 108, 111 U.S. 701 1884 ). " Acts of Congress making the notes ( paper ) of the United States a legal tender do not apply to EXACTIONs ( taxes ) made under state law.Federal Reserve Notes are not dollars. XXXX XXXX XXXX, XXXX XXXX XXXX, Department XXXX XXXX Treasury, XX/XX/XXXX. Also seeThe term 'dollars ' likewise is incorrect, which, according to constitutional definition, are monetary units, used in exchange, backed by gold and silver. Our present day XXXX issues are supported by more printed paper of the same ; therefore, they are correctly termed Federal Reserve XXXX ( XXXX ), not dollars. XXXX XXXX XXXX, Handbook of Financial Mathematics, Formulas, and Tables ( XXXX ), p. XXXX. Also seeWhat is a dollar? It's just something artificial we throw out there. What you're doing is you're fooling people into thinking they have purchasing power, when in fact they do not. XXXX XXXX, Chief Economic Advisor, XXXX XXXX, XXXX XXXX Federal Reserve Bank ( XX/XX/XXXX ). Also seeBallentines XXXX XXXX, XXXX XXXX : XXXX. The legal currency of the United States ; State v Downs, 148 Ind 324, 327 ; the unit of money consisting of XXXX XXXX XXXX. The aggregate of specific coins which add up to XXXX dollar. XXXX Bankruptcy confirmed on XX/XX/XXXX ( see XXXX Report XXXX. XXXX, codified at XXXX U.S.C.A. XXXX, House XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The Credit bureaus stated Lvnv funding {$26000.00} & lvnv {$26000.00} was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and hit me with debt parking I didnt receive a letter or call claiming this debt was mines they just reported this to the credit bureaus.This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well.And now Im exercising my rights to opt out as my consumer right.
Company Response:
State: MI
Zip: 48154
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ask for the company to validate the debt and that the account was a charge-off account in the amount of XXXX.
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: This inaccurate information is causing me significant XXXX and negatively affecting my XXXX XXXX.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV FUNDING LLC/ XXXX XXXX XXXX XXXX XXXX / $ XXXX XX/XX/2022 - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX closed it's company XX/XX/XXXX. I bought furniture through them in XXXX and it has been paid off. I can no longer go into any online account since the business is no longer opened and filed for bankruptcy. I purchased my furniture in XXXX XXXX XXXX store in XXXX XXXX, IL for reference. LVNV Funding LLC is trying to collect {$410.00}.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A