Date Received: 2022-10-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: LVNV Funding LLC has been constantly harassing me from different numbers after I have told them to stop contacting me. They are also not licensed to collect debt in Alabama.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am formally asking LVNV Funding to Cease and Desist communication in regards to this alleged debt that is negatively impacting my credit report. I never gave XXXX funding permission to communicate with me as a consumer or to communicate with me through any medium regarding this alleged debt. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. My consumer report is in fact a medium in which is being communicated in regards to this alleged debt. My consumer report is in fact my reputation and my deputing is being hurt by something negatively reporting on there. I do not owe this alleged debt and all forms of communication needs to be ceased immediately. See attached letter for full information
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX, LVNV FUNDING, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally 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 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave XXXX, LVNV FUNDING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. XXXX, LVNV FUNDING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States, or the District of Columbia, from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; XXXX, LVNV FUNDING, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; XXXX, LVNV FUNDING, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. XXXX, LVNV FUNDING, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. XXXX, LVNV FUNDING, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. XXXX, LVNV FUNDING, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXL has provided false information to XXXX, XXXX, & XXXX
Company Response:
State: NJ
Zip: 08104
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I tried to dispute them with my credit report, but they just keep coming back verified which is not accurate per the FCRA Laws. So then I started digging on my own with this company and noticed they are not supposed to be operating in my state. They do not have a collection agency license. not only does this breaks the FCRA laws but also the State laws. This is Fraud.
Company Response:
State: NE
Zip: 68111
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had been receiving emails from this company stating that they now had ownership of a debt that I owed. I was not sent any information about disputing the validity of the said debt so I sent a reply to the email that had been emailing me and asked for proof by Usps mail of the said debt and any information that had been turned over to the company on XX/XX/2022. I never received a response with the information I asked for ; now here we are XX/XX/2022 I receive an alert from my credit reporting account that a collection account had been placed on my consumer report! I had already disputed the account with the original creditor because we had entered into a settlement and because of a mishap on their end they ended up removing the information from all consumer reports
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX # XXXX ..., Account name : XXXX Funding XXXX # 70618719XXXX, Account name : 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 XXXX states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This complaint is to inform the CFPB that XXXX and LVNV FUNDING, LLC have once again placed a dubious account back on my credit report. The account was disputed and removed from my credit file. The same account has been resold three times by numerous collection agencies and placed on my XXXX and XXXX credit files. Partial account number XXXX. LVNV FUNDING, LLCs thievery attempt to collect an erroneous debt is also in violation of the NO PARKING RULE. Which states, debt collectors can " not report your debt or your supposed debt to credit reporting agencies without first trying to contact the consumer. If this illegal account isnt removed from my credit file immediately, I will be contacting an attorney and seeking the maximum remedy allowed by federal law.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/1922 I received noticed via email that a new report had been added to my account from LVNV FUNDING LLC. This company is not registered with my state to collect a debt, this will act as my first and last time requesting the immediate removal from my report. I will not go back and forth. You never go to was unless your money is right. I'm ready to see the judge. Again first and last request before court.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/2022 I disputed this account with the " creditor '' LVNVFUNDG. Below is a copy of the letter sent to them requesting validation, as it is my right. They never responded and they keep hurting my credit with negative erroneous information, causing me and my family great deal of stress, since we are in the process of buying a new home. I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). I request proof of contract, with signatures and the contract, of all parties involved. Provide a breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. I expect to receive all the proof requested above within 15 days of this letter. Sincerely, XXXX XXXX XXXX. Please do not call me. Use mail only.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 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 furnishes an account without my written instructions.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A