Date Received: 2022-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Last time asking show me proof of ownership of this debt other wise legal action going to be applied for harassment. I have no knowledge of who you are. Send me contracts with my sign signature showing that I have applied for credit with LVNV please keep in mind cease and desist. And remove this from my credit files ASAP
Company Response:
State: MN
Zip: 55311
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX submitted my account to collections with contacting me by phone, by mail or digitally. Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. The only way I found out about this account was via XXXX.
Company Response:
State: CA
Zip: 92058
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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 account # XXXX {$26000.00}. Lvnv funding llc account # XXXX has violated my rights. By adding collecting accounts of fraudulent accounts thats been removed from my credit report at the making police reports with this company. 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 Chapters. 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Company Response:
State: MI
Zip: 48154
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Contacted credit company about reporting Inaccurate information, company has not reported in 3 month which is hurting my credit. I have disputed this account multiple time and has can back as accurate.
Company Response:
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have previously disputed, and successfully had XXXX XXXX XXXX XXXX removed from all 3 credit reporting agencies due to fraud. These items were previously disputed to the CFPB and removed by XXXX, XXXX, & XXXX as I was a victim of identity theft- and this was one of the many account that fell victim. The debts have been removed since 2019 on my credit report. XXXX has since sold the deb to LVNV FUNDING LLC -- and they have reported this debt to XXXX again. CFPB and XXXX both deemed the account to be fraudulent -- and now the collections company is trying to collect on a debt that they have ben informed is fraudulent. When LVNV FUNDING LLC called me I informed them, let them know of the police report, identity theft affidavit, and also the removal from my report. The decided to still report a collection account to my credit. Please remove this collection account from my report -- as it has already been proven fraudulent and XXXX XXXX XXXX XXXX should not be allowed to sell fraudulent debt. Also please instruct the the collection company to cease reporting and collection immediately. I have attached the original police report. The original identity theft affidavit, as well as the XXXX report showing the deletion of XXXX from my credit report.
Company Response:
State: FL
Zip: 33572
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am the original creditor. See Hurds Rev Stat Chap 32,36. United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( XXXX ) the principle amount of such obligation is stated in the obligation and ( XXXX ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 15 USC 1692 congressional declaration of purpose. House Joint Resolution 192!!! In accordance with the fair credit reporting act The principal debtor is responsible. 15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions. 15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). Remove the fraudulent XXXX claims. Thank you.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I got a collection notice in the mail from LVNV funding for a debt that was already settled. I wrote them a letter on XX/XX/2022 within the 15 day period after they sent the letter asking them to validate the debt and to cease and desist all collection efforts until they could prove there was a debt owed and they own the debt. The company never responded and still proceeded to report the account on my credit report on XX/XX/2022. This is highly illegal and this company is still in business regardless of them repeatedly violating federal law.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV FUNDING LLC has also not mailed me any documents for my right to dispute, I am requesting documentation with my handwritten signature verifying that this debt is mine. My account has been flagged for potential identity theft and I do not own a credit card with XXXX XXXX. They have not sent any written contracts with my wet signature or a full disclosure. This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. In fairness, I am requesting LVNV FUNDING LLC cease collection efforts as I have not agreed nor written any contracts stating I will make any payments to them in regards to this account or I will be compensated XXXX per violation in monetary relief under XXXX5 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I also did not agree for my debt to be sold from XXXX XXXX this is another violation
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: lvnv is falsely reporting a debt on my credit report. i was never given the option to dispute the debt and my fcra/fdcpa rights were violated. i spoke with a representative on XX/XX/2022 by the name of XXXX around XXXX XXXX and i asked her what address did the company initially send the ownership of debt letter to. the address that the rep said to me is an address that i didnt reside at. lvnv/resurgent never made any attempts to properly get in contact with me via mail for me to properly respond to the debt via the 30 days said per the FCRA/fdcpa. unless lvnv can prove that they sent proper origination of debt documentation via certified mail or at my proper mailing address, i want this debt to be removed from my credit reports and for lvnv to cease collection activity indefinitely.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To Whom It May Concern This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. Your office has reported invalidated information on my credit report. I have attached a copy of the certified mail receipt that shows your office received the letter requesting validation of this debit on XX/XX/2022. To date, your office hasn't provided me with any documentation. Reporting invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) may constitute fraud under both Federal and State Laws. Due to this fact, I am requesting that this collection be removed from my credit report. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. Your office failed to respond to the validation request within 30 days from the date of yourreceipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A