Date Received: 2022-12-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
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 FUNDING LLC XXXX 15 U.S.C 1681 Section 602 ( a ) ( 4 ) States accuracy and fairness of credit reporting and I have the right to privacy. 15 U.S.C 1681 Section 604 ( a ) ( 2 ) Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section 605 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s Section 621 ( A ) ( 1 ) states 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.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Re : {$680.00}. I do not owe any money to this company. Cease & Desist letter sent to the company. This company had a judgment filed against me.
Company Response:
State: OH
Zip: 44070
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Got a phone call today XX/XX/2022 at XXXX from someone stating they were calling from LVNV funding about an old credit card account I had through XXXX XXXX I told her to send it to me in writing and to stop calling me she said they tried sending it and nothing was done about it and asked what was I going to do about it I told her Id like a cease and desist she asked me again what was I going to do about the debt I raised my voice and told her again for a cease and desist she asked again what I was going to do about it I then yelled into the phone that shed be reported thank you and I hung up the phone
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
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: On or about XX/XX/XXXX I received an email stating that a new collection was placed on my credit report and if I did not recognize it that I could file a dispute. The name of the company was LVNV Funding and the response came from a company name Resurgent Capital Services ( neither company I have done business with ) On XX/XX/XXXX I sent a debt validation letter via certified mail ( Article Number via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) to LVNV Funding asking that they verify the debt along with a list of requested proof of existing debt or relationship to their company and how they are the actual owners of the debt. On a letter dated XX/XX/XXXX I received 2 letters from Resurgent Capital Services dated the same date XXXX letter stated they initiated a review of my inquiry. the XXXX letter stated they were attaching an account summary to serve as validation of the debt. Which in turn did not complete my request for full disclosure of the alleged debt. Per their account summary the Amount past due XXXX to XX/XX/XXXX was {$280.00} from XXXX XXXX XX/XX/XXXX was {$730.00} and the new balance was {$980.00}. Additionally on their account summary it also shows the credit limit of only {$300.00}. So how can there be an additional {$690.00} added to an account with a {$300.00} limit? On this summary page as well where it states XXXX totals for year to date the amount only shows {$210.00} with total interest being {$88.00}. Again, their math is not adding up. I disputed this inaccurate information with XXXX, XXXX, XXXX as well as the CFPB case number XXXX. With XXXX, I disputed the charges on XX/XX/XXXX and XX/XX/XXXX where on both dates they used the same exact dispute case number XXXX in which they stated the information was verified and validated. I called into XXXX customer support in which the agent asked me a bunch of questions and have me clear my cache and cookies when I explained to him that I already had access to my account and it was about a dispute that I had a issue with. He again continued to have me go through some troubleshooting steps when I told him 4 separate times that it was regarding a dispute on my credit report. The agent placed me on hold and at that point I requested to speak with a supervisor. I was given a case number ( not even sure if it is valid ) XXXX and transferred to the supervisor. After waiting on hold for about XXXX minutes a supervisor answered. Went thru the entire purpose of my call he then states I have the wrong department. Sends me over the the " Dispute '' department where I get a representative named " XXXX '' I give him the dispute report number and he pulls up my account. He asks what can he help me with. I ask him why both of my disputes have the same dispute number? He doesn't answer my question. I then ask him what steps did they take to validate the debt and what information was provided to XXXX to insure the debt was correct? He says we send them ( the company ) in the dispute a form to fill out. I stopped him right there and I again asked him what documentation did they provide? He again acted like he didn't hear me. So I continued to ask the same question over and over to let XXXX know that I see that he is refusing to answer my question and I also informed XXXX that as a consumer I have the right to receive information that is having adverse effects on my personal life and causing me undue XXXX distress as I am a XXXX veteran and this inaccurate reporting on my credit report has caused me unfavorable decisions in the process of buying a home. I continued to ask " XXXX '' for his employee ID and the case number for our conversation he refused to provide either. He then became indignant with me and hung up in my face after repeatedly refusing to provide me with any information to settle the dispute with my account. XXXX has removed XXXX XXXX from my credit report as of XX/XX/XXXX.
Company Response:
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: THESE COMPANIES BELOW : LVNVFUNDG AT C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT# XXXX & XXXX AMOUNTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT# XXXX AMOUNT : XXXX XXXX THESE COMPANIES HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNTS ABOVE. THE COLLECTIONS HAS BEEN REPORTED AS PAST DUE BALANCES. I DO NOT KNOW THESE COMPANIES. I HAVE NEVER DONE ANY BUSINESS WITH THESE COMPANIES. THESE COMPANIES DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Company Response:
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a credit card on my account that is not mines LVNV funding and Penn credit which is XXXX I was XXXX from XX/XX/XXXX and I did not get out of XXXX until XX/XX/XXXX and I have proof of address and my court paperwork I want those things remove
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted LVNV funding about XXXX yr ago and told them that this was NOT my credit account. I was told that it would be removed. As far as documentation goes, I only have a collection letter from them and NO other documents. Im not sure who opened this account, all I know is that they lived/lives in XXXX, XXXX Ive never lived in XXXX. Ive lived in XXXX, XXXX when/since/always this account was opened. I DONT know exactly how to get this removed from my credit report. Please advise me. Thank you.
Company Response:
State: UT
Zip: 84117
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX ( Removed for publishing purposes ) LVNV FUNDING COLLECTIONS XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Re : Acct # ( Removed for publishing purposes ) To Whom It May Concern : This letter is regarding multiple accounts ( # s Removed for Publishing purposes ), which you claim I opened on, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX. This is a formal notice that your claims are disputed. Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I was informed XXXX XXXX XXXX filed suit of a credit account they purchased in Small Claims court. I asked for information on the original credit card company and was denied any information on a old Credit card dispute over XXXX XXXX years ago. I am on a XXXX XXXX XXXX as of XXXX. The last payment was in XX/XX/XXXX but was told to get a copy or statements from XXXX XXXX XXXX I would have to pay all late fees and over limit fees FIRST... The dispute is the original Credit card XXXX would Post most payments on the day after the due date every month. I made a point to MAIL all payments in XXXX weeks prior to due dates ... After multiple attempts of trying to resolve the dispute and having my dispute filed to Credit Bureau .... The harrassment was overwhelming and the only recourse was to close the account which I did in XXXX. XXXX of the amount they claim I owe are Fraudulent Late Fees that continued for years. I am on a XXXX XXXX Permanent medical XXXX. Thank you for any assistance in this matter.
Company Response:
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A