Date Received: 2022-11-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report Lvnv funding LLCXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being XXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. I am requesting that you remove this information from my credit report. Thank you for your help
Company Response:
State: NY
Zip: 14220
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV funding continues to report an inaccurate and unverifiable account on my credit report. They continue to sell it within their own companies, as they have multiple llc 's. And this is negatively affecting my life and ability to acquire financing. According to the FCRA 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 : 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 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: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RESURGENT CAPITAL SERVICES received a request to validate the alleged debt and to provide the name and address of the original creditor per Title 15 U.S. Code 1692 on XX/XX/2022 from us. RESURGENT CAPITAL SERVICES responded and was received on XXXX XXXX stating that the " enclosed account summary provides verification of debt ''. No proof has been given per Title 15 U.S. Code 1692.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ResurgentXXXX XXXXXXXX refuses to send requested notice of ownership of debt, original credit application. I have no idea when this account originated. They did send a statement stating the credit limit was {$600.00} but that {$930.00} is required to settle.
Company Response:
State: TX
Zip: 764XX
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I do not borrow from this company
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The previous company XXXX XXXX XXXX XXXX XXXX not prove they have legal representation of the account in question- # XXXX and # XXXX. I called on XX/XX/2022 and asked for the company XXXX XXXX to provide # XXXX Original Contract with my signature # 2- Creditor information- Original name, address, phone number # 3- payment history and itemized billing associated with this account. # 4- Proof of ownership they have the prove the authorized to collect the dept and the Change of Title to current owner. The company in question was unable to provide proof of ownership and that they are legal to operate in the state of Florida. In the letter the company sent to me does state that the account was prepared by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX " It is not a credit card or other account statement from the original creditor ''
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING INC, have not responded, nor provided sufficient documentary evidence to validate an alleged debt that they state I owe. On XX/XX/XXXX, I sent a notice of cease and desist via US Certified mail. They received the notice XXXX XXXX. It is now XX/XX/2022 and they have continued to communicate inaccurate information to my consumer reports. I have not contracted to any agreement with this company and have not been provided any information that states otherwise.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Offending Company - LVNV Funding LLCXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX XXXX ) XXXX I am requesting the removal of the following data that appears in my file. I believe that this data is an error because this company was unable to verify ANY of the required information to validate the debt. I directly contacted the company on XX/XX/XXXX allowing them more than ( 30 ) days and requested the following information for the validation of the debt Original contract with a WET signature Proof of agency or ownership of the account Original payment history associated for the account Proof of original creditor information After the 30 days the company did not provide ANY of the information requested. The original date of the occurrence XX/XX/XXXX, resolved by XXXX XX/XX/XXXX that the transaction was a scam on the side of the purchaser and was to be removed from my account. ( This also exceeds the 7 year rule for credit reporting ) I prompted closed out and deleted both my XXXX account and my XXXX account after this interaction. Under my investigation into the claim from this company I have come to find out that XXXX XXXX purchased XXXX XX/XX/XXXX, under the terms of the purchase all debt with the amount of {$500.00} or less was written off as bad debt, any debt above the amount of {$500.00} was then reprocessed and farmed out to collection agencies under XXXX umbrella. Under the FCRA, a company can not reset the timer on a collection process with sale and/or purchase of a company or its debt. This company had been sending emails out to a dead email due to the fact that it was the email tied to the deleted XXXX XXXX XXXX The company states they have made numerous phone calls in an attempt to collect a on the account, the phone number tied to the XXXX account was changed years prior to their collection efforts due to my relocation to a different state. Since they were never able to contact me and validate the debt they illegally accessed my credit report to get updated contact information. The company stated to me directly since they were unable to reach me or validate the debt they simply applied it to my credit as per the companys policy. This CLEARLY violates my rights and should be subject to fines and compensation due to the sever impact on my credit report.
Company Response:
State: ID
Zip: 83646
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This collection account is being reported as an open account which is not under FCRA compliance and is also inaccurate reporting!
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A