Date Received: 2022-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX, XXXX is trying to sue me for a debt and I dont know who they are, I have never done any business with them. Apparently they also have my social security number, which I didnt give to them. I dont know them or have a contract, I never agreed to give them any of my information. My identity has been stolen and my consumer rights have been violated.
Company Response:
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is the previous complaint number XXXX. This is still showing on my credit report as LVNV as charge off and outstanding as if it was not paid.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX submitting this CFPB complaint to you today to inform you that I was a victim of identity theft and the Account you are reporting on my Credit File was the result of such crime. Under the Fair Credit Reporting Act, I have the rights to dispute any accounts and information that resulted XXXX to identity theft and have them removed completely from my Credit File. Under the provisions of the Fair Credit Reporting Act section 605b, I am requesting that you stop your erroneous reporting and have the account : LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; removed from my Credit file as soon as possible. The Account I am disputing does not relate to any transactions that I have made or authorized.
Company Response:
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Identity theft protection or other monitoring services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: An account was fraudulently opened using my first name, a different last name ( XXXX ) and my Social Security number with XXXX XXXX Bank in XXXX. The address on the account was in Indiana. I live in California. The account was originally sent to collections with XXXX XXXX XXXX. They filed a claim with the XXXX XXXX XXXX XXXX in Indiana. I never received notification of the debt or court case. Since I was not properly served or notified, and was not able to dispute the debt, a judgement was placed against me, and my wages were garnished. Once I received notification of the garnishment, I disputed the account with XXXX XXXX. They stopped the garnishment process. In XXXX of XXXX, I was notified by my employer that my wages were to be garnished again for this same debt. I contacted the current collection agency, LVNV Funding and the attorney from XXXX and XXXX to notify them the account was fraudulent. The funds that were garnished in XXXX have been refunded and paid back via my payroll check. At the request of LVNV Funding, I sent a copy of a police report that was filed, along with a fraud affidavit to their office to have the debt be recognized as identity theft. This request was denied by LVNV because there were payments on the account, and there was a court order for the garnishment. 1. The payments made on the account where the result of the garnishment. I did not willingly make a payment and have never accepted responsibility for the debt. 2. The judgment was made by the court because I was not properly served and did not have the opportunity to present any evidence that the debt was not mine 3. The name on the account does not belong to me. I have never gone by the name of XXXX XXXX. 4. I have never lived at the address on the fraudulent account. 5. Documents supporting these claims have been sent to XXXX as the account administrator for LVNV Funding.
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: This debt has been disputed from my report more than 3 times. It has now been purchased by LVNV Funding in which I DID NOT get any statement or documents to contact this agency before placing it on my credit report yet AGAIN. Thus is causing me so much stress and XXXX and must be resolved.
Company Response:
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: LVNV Funding LLC XXXX On XXXX XXXX. I contacted XXXX XXXX after noticing that LVNV FUNDING, LLC ( C/O RESURGENT CAPITAL SERVICE ) listed as derogatory mark on my XXXX and XXXX credit report .I disputed the alleged debt with XXXX XXXX and the response was ( the account information disputed by consumer, meets FCRA requirements ) nothing else. I received no evidence to validate that debt. LVNV FUNDING, LLC FAILED to produce any evidence required to validate the alleged debt within the thirty ( 30 ) day time frame in accordance with 15 U.S.C. Sec. 1681i ( a ). I have NEVER received ANY service or product from LVNV FUNDING, LLC and I have NEVER had a Contract or an agreement to pay LVNV FUNDING, LLC at ANY time. LVNV FUNDING, LLC is GUILTY of Unfair Deceptive Business Practices and I am hereby requesting that the CFPB aid in correcting this matter. LVNV FUNDING, LLC didn't provide me the legally required validation of debt listed below : 1.Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. 3.Proof that LVNV FUNDING, LLC owns this debt or the contract giving you power to collect 4.Proof that this debt has not been written off as a tax liability 5.In addition, I've recently learned that you're required to send me notification of this or any debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT. And if you think you did, then you must also send me proof that you did. I am demanding all of the following resolution in regards to my complaints -Deletion from all consumer reports. Remove all remarks or comments off my consumer report Cease and rescind any and all use of my information and my signature
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Company Response:
State: GA
Zip: 30127
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 is not yours
Consumer Complaint: I was tracking on my credit report the actions of LVNV funding and a company who was also reposting a debt that I did not do and filed identity theft on those actions. now I see that LVNC Funding is saying they are claiming that a XXXX XXXX XXXX and XXXX XXXX XXXX both from something from the XXXX XXXX XXXX state I opened the account and reporting this as new reports. when their original reports were made and disputed in XXXX, XXXX, XXXX and XXXX. trying to declare the debts belong to a XXXX XXXX american that did not authorize the accounts. I have issued this as a discrimination and XXXX attack tactic.
Company Response:
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was notified in XX/XX/2019 that I had a collections account for {$5800.00} from LVNV Funding LLC. I reached out to the collections company but they are unable to tell me who the original debtor is. For both them and I it shows as XXXX XXXX XXXX. I have never had any contact or account with XXXX XXXX XXXX before this. When I contacted the bank they stated I would have to get my information from LVNV Funding LLC. They have given me the run around but it has resulted in nothing in the last 2 years.
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV FUNDING ACCOUNT # XXXX. I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate. 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 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.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A