Date Received: 2023-01-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Company attempting to collect not owed.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Lvnv finding has a collection account on my credit report that is definitely not mine and.ive disputed this account several times with my credit bureau and they e told me to file this report if the results of the credit account are the same after being disputed. Also I have no proof that this account isn't mine because I can not have proof of it not being mine if I never opened the account to begin with.
Company Response:
State: CA
Zip: 92106
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX XXXX XXXX has harassed me trying to collect a credit card debt XXXX, after being informed over and over again that my only income is XXXX XXXX XXXXXXXX Social Security. I sent a Cease and Desist letter in XXXX. They have got a garnishment order twice in XXXX XXXX Kansas District Court and my Credit Union has charged me a {$60.00} garnishment fee which caused my account to overdraft and took out the {$60.00} fee from the next month 's Social Security deposiXXXX.
Company Response:
State: KS
Zip: 66044
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding & Resurgent Capital are harassing me for accounts that I did not open and filed police reports against. I gave the consumer credit reporting agencies copies of these documents in which the accounts were removed from my credit report. This means they corresponded with the original creditor of said account. I am displeased to see my identity and personal information ( SSN ) was shopped around to a third party. Today, XX/XX/2023 this account is showing on my credit report by a third-party collection agency. This is illegal pursuant to 15 U.S.C 1681b, permissible purpose. No account can be on a consumer credit report without written consent from the consumer. Additionally, I have no contract or business with LVNV Funding, and this account on my credit report has hurt my score. ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX police report and proof of unathorized reporting of account onto credit report
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: received multiple calls from this debt collection company of an alleged debt. I don't have any business with this collection nor have not received any notices in the mail of alleged debit. please further investigate this company and have it delete it from my credit report. thank you
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/22 I received a letter from Resurgent Capital Services on behalf of LVNV Funding LLC demanding that I pay on debt that is based on fraud. I've requested proof of contract, proof of their books and accounting stating proof of lost, equal consideration, and proof of my financial obligation to pay. neither of which was provided. As of XX/XX/XXXX, more letters are being received as threats to potentially reposes my property. Violation 15 USC 1692 ( D ) It is to my knowledge that 15 USC 6802 I was supposed to be given the right to opt out of my Nonpublic personal information being sold to nonaffiliated third parties which was not done and is a violation of {$1000.00}. 15 USC 1602 ( p ) unauthorized used to which I received NO BENEFIT. and 15 USC 1692 ( G ) as collections are still being reported during disputes.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never had a credit card or account neither authorized no body with XXXX XXXX to open one This account its not mine.
Company Response:
State: FL
Zip: 33710
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
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: XXXX XXXX is a debt buyer.I have been fighting them for about 2 years.The account is over 6 years old They are in violations of rules and regulations that protect my rights.They re-aged a debt and not using the date of last payment from original creditor. Nor have they sent me validation. XXXX keeps allowing it.They have not validated any dates from original debt owner .Just the dates THEY " LVNV '' took ownership.The account has hit the 7 year mark of original debt owner.They are not in compliance and I have disputed with the credit bureau 's several times.This account needs to be removed for invalid dates and practices by LVNV.If not resolved my next step is a lawsuit for illegal practices.
Company Response:
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Lvnv account XXXX. Lvnv account XXXX. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX
Company Response:
State: MI
Zip: 48154
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance credit reporting act. The accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account # XXXX, Account Name, LVNV FUNDING LLC has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right 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 an account without my written instructions. 1. An acknowledgment of the dispute within thirty ( 30 ) days. 15 USC Sec. 1666 ( a ) ( 3 ) ( A ) ; 2. If the error is not corrected, a written explanation report following a reasonable investigation, including the production of documentation evidence, within ninety ( 90 ) days. 15 USC Sec. 1666 ( a ) ( 3 ) ( B ) ( ii ) ; and 3. No restrictions or adverse actions on the account, pending resolution. 15 USC Sec. 1666 ( d ). FAIR CREDIT BILLING ACT VIOLATIONS. Failure to follow the rules pending resolution : 1. Relinquishment of the right to collect any alleged debt on the account. 12 CFR 226.13 ( d ) ( 1 ) ; 2. Exposure to liability for actual damages plus twice the amount of the finance charges. 15 USC Sec. 1640 ( a ) ( 1 ) & ( 2 ) ; and 3. Potential criminal liability for willful and knowing violation of the FCBA and other Truth in Lending provisions. 15 USC Sec. 1611 ( 1 ) & ( 3 ).
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A