Date Received: 2022-12-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As of XX/XX/2022, a new collection account LVNV FUNDING LLC ( ID # XXXX ) former owner XXXX XXXX XXXX XXXX started reporting without addressing my dispute. It should be noted that XXXX XXXX XXXX XXXX account # XXXX sold this account without satisfying several requests to provide me proof of the balance. In addition, immediately after receiving LVNV FUNDINGS initial letter, ( before the 30 days of the date on their letter ) I contacted LVNV in writing via email and certified letter disputing this debts balance. LVNV and XXXX XXXX XXXX XXXX continues to deny me full detailed proof of this debt which is a blatant violation and a hindrance to my rights to fully address the false debt balance before reporting this new collection account on my credit report. Today, I called XXXX XXXX XXXX, XXXX twice. Once at XXXX XXXX XXXX spoke with Representative XXXX XXXX ) and again at XXXXXXXX XXXX ( Representative XXXX ) each time denied to speak with a supervisor.
Company Response:
State: CT
Zip: 06513
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding LLC XXXX resurgent capital services XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX is a collection I recently discovered in my consumer report. I do not know this company. Lvnv funding llc, did not provide me with any validation of claimed debt, or permission to place it on my credit report. Never been contacted by lvnv funding llc in regards my outstanding balance of {$840.00}. I have never done business with this company nor does this company have my permission to keep violating my rights by providing incorrect information on my report
Company Response:
State: MI
Zip: 48209
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) Violation of the FDIC Consumer Compliance Examination I am aware of your violations, and I am prepared to protect myself and my rights from unscrupulous collection agencies. On my credit you have willfully reported an unverified and disputable debt to the credit bureaus and that is a violation of the Fair Credit Reporting Act. You have failed to verify the debt as accurate ; you have provided no proof of this alleged debt. I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I did not receive anything absolute proof from you, and you did not provide anything by the original creditor. I will take action against you for these violations and abuse. Remember, the debt buyer must be able to provide me with a copy of an assignment of the debt that specifically includes the debtors. A competent and valid evidence that I have some contractual obligation to pay you. Which you failed to do AND you posted on my credit report.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2022-12-09
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: On XXXX I received mail from XXXX XXXX alleging a debt being owed. I responded back to them on XX/XX/XXXX disputing the alleged debt and requesting proof of their claim specifically a contract with all parties ' signatures in accordance with the fair debt collection, however resurgent responded back to my dispute and failed to provide me with any valid form of debt validation and then proceeded to place the fraudulent debt on to my consumer report. Furthermore, they marked the debt as disputed and meets FRCA requirements when it does not meet the criteria. These companies illegally attempt to collect a debt that is not owed and fail to provide me with legal proof. I have attached all documentation and my communication to them and their response which lacks the legal requirement.
Company Response:
State: FL
Zip: 32940
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 has now placed a collection notice on my credit report both XXXX and XXXX, without providing me written notice to dispute the debt according to FDCPA. They also show the account was just opened as of XX/XX/22 which is also not correct. This account was opened last year.
Company Response:
State: UT
Zip: 84401
Submitted Via: Web
Date Sent: 2023-01-04
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 is not yours
Consumer Complaint: I replied back within the 30 day window for debt validation according to the letter LVNV funding does not own this account its being serviced by Resurgent Capital. I sent everything through Consumer Financial protection bureau and I have a copy of the reply from Resurgent Capital whos managing this account. I requested proof for documents Resurgent Capital who owns this account stated communication about this account would be ceased and nothing will be reported to the credit bureaus Of LVNV is not removed from credit file in XXXX business days I will file a lawsuit against this fraudulent company. I will be suing for improper use of account, no debt validation was done as I replied within the 30 day window. And I will sue for punitive damages. I just reached out to my attorney on the next steps. And I just forwarded my attorney the copy of the response I receive from the Consumer Financial Protection bureau. I will have LVNV XXXX down and investigated on every account they have in office and file a class action lawsuit. Let me go online and start a petition to get this ball rolling. I will post the petition and see if we can get a class action lawsuit for improper use of credit report, improper debt validation from a junk buying company. I would like for the XXXX XXXX XXXX shut this business down immediately.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi my identity has been stolen through the XXXX breach exquifax breach a doctor 's office as well as my computer has been haked. I made a police report when my home computer was hacked on XX/XX/2021 I made a police report I explained to the officer that my home computer was hacked and compromised. He told me to report the idenity theft to all credit agenices I contacted them and i saw that there was a few accounts opened in my name that i did not open I desupted these account contacted the creditors and they refused to take action leaving these accounts open and they are still on my credit, 1st account is called XXXX LVNV FUNDING LLC has a open account in my name and I can not get these creditors to remove these fraudalent accounts off my credit I placed credit monitor and a credit freeze on my account please assist me in this matter I would truely appreciate it Thanks
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was effected with identity theft due to my illegally name change in the database system reported deceased illegally without a death certificate illegally data of birth change cause me to not gain credit assistance denied credit letting other companies gain credit card an mortgage loans in my name making my credit score to decrease to poor knowing I never had anything in my name identity theft I was effected in XXXX database identity theft never received my settlement if they can't provide 2 form identity card by government law name an an birthday incorrect they company 's that reported should be hold acceptable for the action should be deleted off my credit report I half to suffer knowing I get turn down because my credit is XXXX because other companies saying I owe them for stuff I never applied for my credit is in good standard I fill like I should fill a lawsuit against the them for allowing them to do that an report false information cause me to go through this stress I get denied credit from everyone can't even get a home loan due to poor credit for allowing them to be placed on my credit report knowing my data of birth is incorrect no debt no nothing with out identity cards on file thats the government law in the United States apply for credit u should have identified card on file nobody should use false information to gain credit in someone name
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The company has not shown any prove that I own this alleged debt. you have shown no signed contact between XXXX XXXX and your company stating we have a relationship. As I stated before It would appear as though XXXX XXXX XXXX, XXXX. [ ORIGINAL CREDITOR ] has sold this account to you, a 3rd party interloper, and you may be participating in fraud. Since there is NO SIGNATURE on the documents you may have sent me, who is accountable for this contract I am being offered? If you can state your claim & provide that contract, I have with you whereas there is a wet ink signature from the Claimant & someone from the RESPONDENT, I would be happy to settle this alleged account. Please notice that this is a request for VALIDATION and PROOF OF CLAIM made pursuant to the Fair Debt Collection Practices Act and Fair Credit Billing Act. Your company is committing fraud against my property. You had bought information that I did not give permission to anyone to share my personal information with anyone nor any company. this is Fraud on so many levels.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Debt was a result of an identity theft and also a leak from several companies the original debtor wrote off the amount /charged off and still sold the debt to a collection agency XX/XX/2019 i was informed and contacted the company several times and they never ceased or desisted the collection process and never went after the culprit neither about blue collar crime they reciprocate collecting the debt and also havent sent verification of original debt nor have been able to verify receipt of police report I mailed over about fraudulent activities
Company Response:
State: NE
Zip: 68111
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A