Date Received: 2023-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Yes the debt from LVNV funding is still showing as not paid 2 years after having my wages garnished in XXXX
Company Response:
State: AL
Zip: 35126
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Many time I send letter, disputed online and called to company and three bureau and explained the I am not open that credit I am victims and never received any right answer
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Improper Use of my consumer credit report This is a third party company trying to collect on a debt that does not belong to me, I am not obligated to pay the debt to this party, I dont have a contract with this company. VIOLATIONS violated my rights to Privacy15 USC 1692 15 USC 1681 Section 602A Ignoring my Demand to Cease And Desist all actions and communications concerning this company and all company 's under RESURGENT CAPITAL. These accounts have been sent to three different companies since I have demanded the stoppage of all actions as you will see attached below. Did not give me accurate time to dispute these accounts before adding them to my Consumer Credit report Dates are on the attachments to prove they had no intention of allowing me the right to dispute this account thus voiding my RIGHT TO PRIVACY
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXXLVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX Subject : COLLECTION/LATE PAYMENT RE : Partial Account Number : XXXX. To whom it may concern, I am aware that the FCRA allows for creditors and debt collectors to report to the Consumer Reporting Agencies however these reports have to be compliant and accurate at all times. My concern with the above mentioned account is this. It is reported on my consumer report that this alleged debt is in collections. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that XXXX/LVNV FUNDING will be putting a negative remark on my consumer report. Also, based on the Fair Credit Billing Act, XXXX/LVNV FUNDING failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details. Again, according to the FCRA, all creditors and debt collectors MUST be compliant and accurate when reporting and I feel that XXXX/LVNV FUNDING failed in doing so.This account is inaccurate and XXXX/LVNV FUNDING had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, RESURGENT/XXXX XXXX is in violation of certain codes equating to {$1000.00} per violation. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report. SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Without ill-will or animosity, XXXX : XXXX XXXX Beneficiary Christian man, in XXXX XXXX XXXXXXXX XXXX With Prejudice
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV Funding damaged my credit by XXXX points reporting false information on 2 separate occasions. as of right now I have lost XXXX points because of this fraud. They started calling saying I owed them XXXX for a debt that is in Judgement and has been for years. The company LVNV Funding reported to XXXX that I missed a payment on a debt that is in Judgement. I filed a report to XXXX about this and they reversed it giving me my XXXX points back. LVNV Funding turned around and reported that I missed a paint on the same account that's in Judgement the next month. I attempted to fill another claim but it would let me so I'm still down XXXX pkints
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: about 3or 4 year ago LVNV FUNDING TOOK ME TO COURT AND TRY TO SUE ME FOR XXXX THAT WASING MY I INFORMEND THEM THAT SOME ONE STONE MY ID ON BLACK WEB.AND IAM NOT GOING TO PAY FOR A CREDIT CARD THAT WASING MY.SO ON XXXX THEY SEND ME ANOTHE THREATING LETTER IN THE MAIL.TELLINME THE ARE GOING TO HAV ME AREST AND CONTACT MY JOB.AND ONTHER THREATING MASAGE.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX flagged my account and opened a collection on my credit report that has severely affected me! It says the account was opened on XXXX, 2019. This is the second time they have done this. Last time was removed and now they opened again! I have no knowledge of this account nor do I have any contract with this company! The amount says {$380.00} original balance and {$390.00} past due. Please remove from my credit report
Company Response:
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called to get more info about it. They left me on line waiting for XXXX min, they couldnt provide me with info and they hung up the line on me
Company Response:
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/2022, I sent Resurgent/LVNV an affidavit of truth to respond to, but I never received a response. Within my affidavit, I laid out the facts of my consumer rights that were violated. LVNV/Resurgent has not responded within 30 days of my dispute which also is a violation. Attached, you will find documentation sent to the company outlining violations, exhibit showing the violations as well an invoice for the violations. Tracking number for the certified letter is ( XXXX XXXX XXXX XXXX XXXX )
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A