Date Received: 2022-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding is reporting a collection on my credit report that is a result of Identity theft. I have sent letters to them and let them know about this on several ocassions and they are still reporting this account on my file.
Company Response:
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The collection agency is not responding to my letters to verify this debt and I have no idea where they got the balance that I owe from because it is wrong.
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
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: I was past due on my XXXXXXXX XXXX account and called them on XX/XX/XXXX to set up a settlement. After being hung up on a few times I was told that they only do settlement calls on XXXX of month and call back then. Called back on XX/XX/XXXX and was told it had been sent to collections. In XXXX of XXXX I received a letter saying this had been sold to XXXX XXXX. I settled this debt with them XX/XX/XXXX for {$3000.00}. A couple of months ago I received a letter from LVNV Funding saying the debt had been sold to them. I notified them this had been sold and paid thru XXXX XXXX but never heard back. I filed a dispute with XXXX on XX/XX/XXXX and included the letter from XXXX XXXX saying that I had a XXXX balance. XXXX notified me on XX/XX/XXXX that the debt had been verified. I've only ever had one account with XXXX which is clear on my report and the XXXX XXXX email shows that it has been paid. I'd like the LVNV Funding removed from my report.
Company Response:
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: First Violation : __ Resurgent Capital Services L.P. has violated my rights under the FDCPA section 809 : __ Failure to provide validation that Resurgent Capital Servies L.P. ''current owner '' that respondent has written contractual agreement to alleged accounts and amount.__ Second Violation : XXXX_FCRA has been violated XXXX In accordance with the Fair Credit Reporting Act ( XXXX ) RESURGENT CAPITAL SERVICES Account # XXXX ( XXXX ) RESURGENT CAPITAL SERVICES Account # XXXX [ 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. ]
Company Response:
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022 the amount of {$690.00} was last reported on my credit. I was previously getting spam call attempting to collect a debt from a company I have no knowledge of. Pursuant to 18 USC 8, I owe no debt. This company is violating my customer rights to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant 15 USC 1681 4
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have 2 collections that are all not me and are identity theft t showing up on my XXXX report. LVNV FUNDING LLC ( 2 separate amounts ). I keep getting phone calls from these companies multiple times a day threatening to take me to court I do not owe any of them any money. I asked them many times to show me the proof as to why they think I owe them money. XXXX has already removed these erroneous collections off my report since it is not mine. When I talk to these companies on the phone most recent phone conversation was XX/XX/2022 where the lady on the other end was very rude demanding I pay her after I explained I do not owe any money and if you can show me the proof you even have the right person they hung up on me.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Things companies are fraudulent and need to be looked into because they are reporting fraudulent statues of limitations of the State of Arizona that should have been taken care of which it was years ago and now they're trying to put it back on my Credit Bureau reports
Company Response:
State: AZ
Zip: 85331
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted the company before disputing this debt. Someone stole my information and has opened several cards in my name. The person involved was renting a room in my home and had access to all of my personal information. The person left my home without any notice and also had stolen my cell phone. During the time the person was living here, I didn't see any mail from these companies. The person living here was able to get the mail before me. I have contacted the 3 credit bureaus as well to try and find out information on why this item was on my account. This is causing a severe problem in my life.
Company Response:
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I took a loan of XXXX dollars from XXXX to buy an item, and when I slipped on the payment, I called them and discussed ways to pay them off, and was making those payments, but they kept jacking up the interest so much I wasn't making a dent, on XXXX any less which is insane. So one day I go to make my payment and it's no longer listed on XXXX. I thought that maybe it was gone for good or they dismissed it due to the amount of interest they collected from me. I was literally unable to make a payment at this time due to them removing it from their site. Years later I get a letter saying that I owe {$500.00} dollars. So I call them, and I'm on the phone with this rude woman, and they're threatening to harm my credit if I don't pay them off. So it goes from {$300.00} to {$500.00} and I was powerless to make a payment due to their tactics. I make my payments, and I have excellent credit, but they literally made it impossible for me to pay them and then jacked up almost double the amount of interest on me. This isn't fair at all! Now the company is calling itself LVNV FUNDING LLC.
Company Response:
State: KY
Zip: 40601
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A