Date Received: 2022-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was paid by ex- spouse years ago. Time has passed and he has no receipts for this acct. It was his own personal acct and I was never on it. I have No Wet Signature on this acct. I believe he paid over {$4500.00} and paid it off in full around XXXX.
Company Response:
State: WA
Zip: 99216
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING *Account Open Date, XX/XX/XXXX XXXX This is a fraud account. I've never had account with nor giving access to my personal information. I've disputed with all credit bureaus. This is still listed on XXXX report. This account is in violation of FCRA. I want this removed completely from my credit report.
Company Response:
State: VA
Zip: 24012
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I filed a complaint about false info and they verified it anyway
Company Response:
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Reporting these collections on my credit report, which is considered to be a collection activity LVNV FUNDING LLC Is reporting and trying to collect on accounts that are closed and are paid in full. LVNV FUNDING LLC continues to report on these tradelines and is in violation of the FCRA, Federal laws and FTC laws and Guidelines. Which are The Fair Debt Collection Practices Act ( FDCPA ) this a debt collector is not allowed and is using unfair practices in trying to collect a debt which is closed and paid in full. Reporting inaccurate data or false data is also a violation of the FCRA. Additionally, any reporting of this debt as valid or true to the credit bureaus when in fact is a false and inaccurate is a violation of the Fair Credit Reporting Act, which allows me to seek damages from a collection agent in this case LVNV FUNDING LLC. As Such, this unauthorized public record information needs LVNV FUNDING LLC needs to delete this tradeline. Non-compliance with FCRA, FTC and Federal laws is also be construed as an absolute waiver of all claims to enforce these debts against me and your implied agreement to compensate me for court costs and attorney fees.
Company Response:
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ( Notice of Cease and Desist ) This is a WARNING NOTICE. I am a consumer/natural person, and my consumer rights have been violated by LVNV Funding LLC XXXX and Resurgent Capital Services, LP, according to the FDCPA. Pursuant to 15 USC 1692c ( c ), I refuse to pay any alleged debt and demand that the debt collector ( s ) : LVNV Funding LLC, and Resurgent Capital Services, LP, cease all communication with me regarding this alleged debt, through email, text, mail, and any other medium. Please Cease and Desist all communication
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
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, l certify that l am permitted by FEDERAL and STATE LAW to fle this dispute also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U S C 1001 Additionally these misstatements are punishable as perjury under 18 U.S C 1621 This colle ction found within my credit report are nol relaled to any transaction that made / am eleging 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 are being investigated by the FTC
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act ( XXXX XXXX {$650.00} ) has violated my rights 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for purpose.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This complaint is specifically regarding XXXX XXXX contacting me well after a cease and desist notice was received and signed for by their company which violated the request. I also never received any paperwork for XXXX or XXXX and they have never provided me with any document with my wet signature on any of it to prove the debts validity ( a side fact ). My complaint is that they violated a cease and desist order and I have the proof, I would love for them to speak on how they sent me a piece of mail 12 days after they received and signed for the letter and why the letter was dated for XX/XX/XXXX, a letter I already had in my possession?? Yet I received the letter in mid XX/XX/XXXX. I want only the violation of the cease and desist letter to be entertained in this complaint, no information or smoke screening with the accounts to gloss over and distract from what they blatantly did. My letter dated XX/XX/XXXX at XXXX Received by them and signed for XX/XX/XXXX To : Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX : CEASE & DESIST CONTACT After multiple attempts and requests to have this company eliminate debts which they have been told are not mine and are outside the statutory collection limits with no resolution, this is my official request in writing to have your company cease and desist all forms of contact with me to include by phone, email, in writing, by fax or any other form of communication from this moment going forward with no ending date and time up to the time of my being deceased. I have referenced the accounts below. XXXX XXXX XXXX LVNV Funding Capital XXXX XXXX LVNV Funding XXXX XXXX XXXX Acct : Not given Ref : not given XXXX XXXX XXXX XXXX XXXX XXXX ( just found out about this on XX/XX/XXXX from the year XXXX ) This letter covers all debts you have. Consider this my official notice, if I continue to be contacted, I will take legal action for harassment!!! *** MAILED XXXX RETURN RECEIPT ON XX/XX/XXXX
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received several emails from lnvn funding, which is working through XXXX XXXX ( which i do not understand how they can be two agencies coming after the debt ). The emails went from XX/XX/2021 to XX/XX/2021. On XX/XX/2021 I requested for the agency to validate the debt. Which could be validated by sending to me via email or postal service. After that date I have not received any validation, nothing regarding the debt and they refuse to respond. This is part of right for this to validated. Also they sent personal information to an email they thought was mine but never verified that either prior to doing it with information about a debt and amount owed ( with no validation of debt ) I believe they are now trying to pursue a judgment. With out covering my basic rights revolving debt. I have also read several articles of this agency going against consumers rights and a class action suit.
Company Response:
State: NY
Zip: 13021
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter dated XX/XX/2022 from a company I never did business with or ever gave permission to call/write or contact me with any form of communication. In the letter they erroneously stated that I owed an alleged debt, I was shocked, appalled and offended by their false allegations. I don't know how they obtained my private information but i did not give it to them so as far as i am concerned that is identity theft which I will be filing a complaint with the FTC about. As for now If they can not provide me with documentary proof that I gave them written permission to obtain my non-public information then they are to Cease and Desist all their Illegal activities, this goes for all their affiliates and any 3rd Party that they do business with.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A