Date Received: 2022-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING LLC Last reported XX/XX/2022 {$290.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor This isn't mine. And now a third party has obtained my information some how and is trying to collect.
Company Response:
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I used to work for XXXX XXXX XXXX. XXXX XXXX has records of XXXX XXXX 's abuse and XXXX affiliation. XXXX XXXX assaulted my son on the bus, threatened me where I lived, trafficked me, held me XXXX, and committed debt bondage with my credit. Under the Debt Bondage Relief Act, I do not owe the debts because they were incurred as I was being held XXXX and enforce disappeared for asserting my rights. I was being threatened with XXXX on petty state level felonies. XXXX XXXX. XXXX was apparently taking hush money from XXXX XXXX XXXXXXXX according to my law enforcement sources. They have to disclose to their shareholders that they enforced disappeared a XXXX over XXXX XXXXreaties. I'm asking that they wipe the credit card debt. After I was held XXXX they threatened to take my property under 42 USC 3631 and have my kicked out of the neighborhood. They are also responsible for XXXX my father under the 14th amendment. They aren't permitted to use the 16th amendment under 18 USC 878 and debt bondage. XXXX XXXX screamed at me about how my credit was going to take a dive. The XXXX that held me XXXX has a record that is over 5 pages long. They also had my car stolen. I'm filing a restraining order under 18 USC 246 and these corporations are not permitted to violate their torts or 18 USC 1513. I need to be able to get this done in one phone call instead of just repeating myself. XXXX XXXX has most of the other records and he is not permitted to suppress any more exculpatory evidence. They just aren't permitted to report these debts to the credit bureaus anymore. The applicable law enforcement agencies should have copies. It is not my intent to commit fraud. I legitimately don't owe the debts under the law. They aren't permitted to deny my rights to an attorney anymore either. They aren't permitted to misuse their office for private gain.
Company Response:
State: IA
Zip: 507XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: LVNV FUNDING LLC XXXX Have contacted me several times and got no answer. They've contacted my wife several times asking her to verify information. If the account belongs to me why don't they know the information they are asking for. I feel harassed. They call whenever and try to talk to you rough as if they are demanding. This account does not belong to me and by law after 4 months this account can not be sold to another debt collector. I feel as if my rights are being violated and this creditor is hurting my credit & my ability to obtain new credit. Also in accordance with the Fair Credit Reporting act # LVNV FUNDING LLC XXXX Account XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 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. I want all the attached accounts to be removed from credit report.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX XXXX were taken out by my ex husband without my knowledge. When we were gathering our accounts and assets to decide how to split them as well as who was responsible for what, I learned of two unknown accounts i had not applied for that were in my name. In the divorce decree he agreed to be held liable for the debts as they were never my own doing and an act of identity theft. Once divorced I learned of these debts that were not only filed in my name but also sent to a collection company XXXX LVNV Funding LLC. The XXXX account ending in XXXX appeared on XX/XX/22 reporting to all 3 bureaus. The XXXX account ending in XXXX appeared on XX/XX/22 reporting to XXXX and XXXX. I have contacted XXXX XXXX XXXX directly as well as LVNV Funding to no avail. These debts are hindering me from taking out my first mortgage.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received notification of a debt that I did not recognize, from a company I did not recognize, with an amount that I did not recognize, on XX/XX/2022. I responded to the letter within 30 days on XX/XX/2022 through certified USPS mail, disputing the amount of the debt and have not received any information about this collection statement. The collection company, LVNV FUNDING LLC, not only reported the debt on my Credit report on XX/XX/2022 without responding to my dispute, they also reported false information on my XXXX and XXXX credit report, and did not list the alleged account as disputed. On XX/XX/2022, LVNV FUNDING LLC, reported incorrectly to XXXX and XXXX that I " opened '' an account with their organization on XX/XX/2022, when I didn't even learn about this information until XX/XX/2022. As I mentioned, this information was disputed through certified mail, copies are available, and there is also no mention of the account being disputed on my credit report. I have also disputed the amount of the alleged debt and they are therefore, violating credit reporting laws stating incorrect information on my public records.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have received a plethora of emails from a company named Resurgent Capital Services under the following email : ContactCS@em4965.ecollect.resurgent.com that has purchased old debt that was supposedly sold to them from one company to another. The most recent email sent on : XX/XX/2022, XXXX XXXX Under the subject : XXXX, a legal review is approaching! mailed-by : em4965.ecollect.resurgent.com signed-by : ecollect.resurgent.com is an email threatening to send to send to a lawyer and threatening to sue me within 5 months time. There is no reasoning for the lawsuit when the debt has nothing to do with this company. I was in the XXXX XXXX XXXX and had a credit card debt many years ago and the debt was initially charged off and now it is being brought up as sold by the company from another company who I never even received correspondence from. I do not want to continue communications with this company getting harassing emails about being sued. I am a XXXX XXXX XXXXXXXX XXXX and this debt is not valid as I stated before the debt was written off / charged off. I have never even heard of the current owner of the debt nor received anything that they owned it and now sold it to this company this is all new information and not valid.I would like the company to stop harassing me with emails and or any communications as well as delete this debt. Whoever this debt they bought from which they are claiming is from : Current Owner : LVNV Funding LLC in the email is a company from which I have never heard of. The debt was initially charged off my XXXX XXXX XXXX XXXX and I have not heard of anything about this debt in years. It has never went to collections prior to so this is not a valid debt.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I saw a collection account on my credit report a couple years back. I fought it and disputed online through XXXX. I had asked the creditor LVNV Funding LLC to send me information to verify the debt is mine. I never received any information yet the creditor lists my account is verified.
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV FUNDING LLC is attempting to collect a fraudulent debt I have no obligation or contract with said corporation furnishing this account on my consumer report is a violation of 15 USC 1692j I never MADE a consumer credit transaction with LVNV FUNDING LLC. Therefore reporting this account to my consumer report is using false and misleading representation of there character and doing so to collect on this fraudulent account is also a violation of 15 USC 1692e ( A )
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Some years ago I went to a credit repair company/person in an effort to repair my credit. This company took my personal information and opened various credit card account and took loans from banks using my information. Once I became aware of this I contacted the companies informing them that these charges were not mine and that I was in fact a victim of identity theft. I was told that the accounts would be flagged as fraud. I also went and failed a police report. Now I am being sued for a debt that I do not owe because it was created and the cards were maxed out by someone other than me. I now am receiving harassing phone calls, mail and court summons due to this. This took place around XXXX now the bill is XXXX. I am told I need to appear in court or a default judgment will be entered against me. This has been affecting my credit report negatively and the tactics that are being used are against the law and violate my consumer rights. This account is a fraudulent account.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was not informed that the debt could be disputed in writing or oral attempts
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A