Date Received: 2023-01-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have reached out to this debt collector ( LVNV FUNDING LLC ) about a reporting i'm seeing on my credit report. I don't recognize the account with the Original Company so i sent a letter to the debt collector asking them to verify the account by sending proof of this alleged debt with their company. They send me a statement of the credit card that's in question, not anything that's linking me to this credit card ( proof that this debt is mine ). I did not have any credit card with this company XXXX of XXXX to XXXX of XXXX. This is damaging my credit. I have the right to a fair and accurate credit report and i feel that I am being deprived of my rights. I ask that this deleted immediately. Its been over 2 months of going back and fourth with this company for them not to completely cooperate with me, this is my life here.
Company Response:
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: this is fraudulent debt this is not mine
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: According the FCRA AND FDCPA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX are in violation of my consumer rights. They have sent me several collections letters of accounts that I don't have knowledge on, and that I have requested investigations on for unfair and deceptive practices. They have not performed any proper investigations, and instead have " Assigned '' their debt to other entities that they own or are affiliated with, with the goal of re inserting this file into my credit reports under a different debt collectors name. I believe they are engaging in unfair and deceptive practices by definition of the FCRA and FDCPA. The accounts are listed below : XXXX XXXX XXXX 15 US.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 man 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. 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Company Response:
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged debt agency, LVNV Funding and customer service was horrible. They sent me a letter claiming another alleged debt agency have file. ( EVIDENCE ATTACHED ) They are robbing, badgering my credit with no explanation on an erroneous alleged debt collection.
Company Response:
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
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: Please see the attached documents regarding my complaint against the company XXXX RESURGENT/ RESURENT CAPITAL SERVICES. CFPB closed my complaint without any explanation or investigation, and this can not be legal. Please forward to the appropriate company immediately. See attachments.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. LVNV FUNDING LLC has never proved this debt belongs to me legally.
Company Response:
State: NC
Zip: 28115
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I submitted a previous complaint about Ressurgent Capital Services, complaint # XXXX. On XXXX they responded that they would cease communications with me. On that same day they also sent me letters looking to collect a supposed debt that is not owed to them. So they are obviously telling the CFPB XXXX thing and doing another.
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVnv funding never sent me a notice of the debt, so my rights were violated because I was not able to send a debt valadation letter also, In Accordance with the fair reporting act, Has violated my Rights under 15 u.s.c 1681 section 602, states I have the right to privacy 15 usc 1681 604 A section 2. states a consumer reporting agency can not furnish a account without my written instructions15 usc 1666b states A creditor may not treat a payment on a credit card account, under A open end consumer credit plan as late under any purpose
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: LVNV Funding LLC Account # XXXX and Account # XXXX LVNVFUNDING LLC has collected exempt funds and is attempting to collect exempt funds. One of the accounts was dismissed in Iowa courts for failure to provide verifier able evidence. LVNVFUNDING LLC needs to be investigated for unfair and deceptive practices
Company Response:
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Due to LVNV founding company uptain my personal information from XXXX XXXXXXXX XXXX XXXX XXXX baught my personal information to untainted money unlawful activity an to damage my credit report history with proving identification card writing agreement from XXXX XXXX or a full disclosure reported false information should been reported on my XXXX report an XXXX XXXX is already removed from my credit report LVNC founding still trying collect money from me
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A