Date Received: 2022-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive tried to resolve this matter and prove to the company Im a victim of identity theft, Ive filed a report with the ftc as well but the company hasnt yet to do anything to resolve and fix the matter
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Spoke with LVNV FUNDING LLC in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I dont know what happened I know I was in XXXX in Georgia in the Ga XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. This debt is not me I did t open any account whatsoever. This is identity theft and fraud and if this company and the creditors dont help me resolve this issue in going to sue
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Theres an account reporting to my report that doesnt belong to me
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I pulled a copy of my credit report and notice Lvnv funding reporting derogatory information. I wrote asking them to verify and validate the debt and they responded with some paperwork that have me even more lost than before. Lvnv Funding did not send me what I asked for to properly validate the debt, which is a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Checked credit report as I was alerted to a new creditor who has reported to the credit report bureaus : XXXX, XXXX, & XXXX. Debt Validation letter mailed to XXXX XXXX XXXXXXXX XX/XX/2XXXX XXXX XXXX mailed letter to me XXXX XX/XX/XXXX XXXX XXXX failed to comply and verify proof of debt and ownership
Company Response:
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On or about XX/XX/2022 I received a letter via mail from Resurgent Capital Services a debt collector company. Upon receiving this letter I notice that this company was trying to collect on a debt and several of my rights were violated. Pursuant to 15 USC 1692g ( 3 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. A statement was not sent in the mail with the letter. Also, when the mail was received there was a symbol on the letter which is also a violation pursuant to 15 USC 1692f ( 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. Also, I have never gave Resurgent Capital Services permission to contact me. Pursuant to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Furthermore, there were many unauthorized phone calls, text messages, and emails sent to my telephone regarding this matter that I did not consent to. Pursuant to 15 USC 1692d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violations for {$9000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$9000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$9000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, XXXX XXXX XXXX : CFPB via fax ( XXXX ) XXXX
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022, this company received my request for validation via certified mail ( tracking # XXXX ) although I have never spoken to anyone at the company about this alleged debt via phone nor mail. However, this debt appeared on my credit report which prompted my request for validation. I never received any correspondence from the company about my request. On XX/XX/2022, this company received a second letter via certified mail ( tracking # XXXX ) stating that they failed to respond to my request for validation. I explained that their silence is a violation and I requested that they remove it from my credit report. However, this company is still reporting this account on my credit report.
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. I have yet to have received the requested Original Contract, Original Creditor Information, Payment History or Proof of Ownership. There have been several SSN and addresses listed on my credit report that are not mine, this account is linked to one of those fraudulent accounts that has since been investigated and removed from my report. Despite the Fraud alert and update on my credit report, this creditor is still holding inaccurate information on my report. It is my understanding that under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have made several attempts to address a collection reported on my credit report from LVNV FUNDING LLC for {$600.00}. I have sent several certified USPS letters to both the collection company ( LVNV FUNDING LLC & all three credit reporting agencies ). I have made it clear in these letters that the debt doesnt belong to me and that Ive never had a contract with LVNV FUNDING LLC XXXX I have asked for proof of a contract between them and I, however Ive never received any information or proof to validate this alleged debt. XXXX has verified and updated the collection both times I disputed the debt ; both times without showing any proof before the 30 day period for the investigation ended. Furthermore, it has been more than 30 days since Ive sent multiple letters to LVNV FUNDING LLC addressing this issue. The proof of burden to proof the debt as valid was on them and they never responded to either certified letter I sent them within the 30 days of receiving the letters. This collection is being inaccurately reported on my credit score and is therefore negatively affecting my good name. I have addressed this multiple times with the company itself, and the XXXX main credit reporting agencies. Both disputes were made updated and verified without actually showing proof of contract to validate the alleged debt. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that they, the credit reporting agency, report accurate and /or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. Id like to also note that LVNV FUNDING LLC does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of XXXX, therefore LVNV FUNDING LLC. attempting to conduct business with me is a violation. I expect this debt collection to be REMOVED AND DELETED from all three credit reports ( this includes XXXX, XXXX, and XXXX ).
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A