Date Received: 2022-09-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX continues to report a collection from a company named CACH LLC. I have never done any business with such company and should not be reporting any debts under my name.
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Continued threats of legal action for a debt they will not specify. Asked for proof and clarification multiple times, asked them to not communicate with me and further until they've done so, and made clear I would file for harassment if they did not.
Company Response:
State: OH
Zip: 45140
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 1.I have never had an account with this company LVNV FUNDING XXXX, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LVNV FUNDING LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 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 : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 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. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have never opened this account ( XXXX ) in XXXX it says. I have never lived in a XXXX Il. Where this account came out of. I have lived in XXXX XXXX Nv since 2003. I have went through XXXX XXXX, it has came back that it is mine, in which they are wrong. I have never order from XXXX ever!! Credit collections is LVNV funding LLC and says I owe XXXX dollars.
Company Response:
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The issue I am having is that this credit card was not opened by me. I have made multiple attempts to resolve this matter, and this issue is still ongoing. This company obtained a judgement on me in small claims court with no notification of any court date for me to attend. LVNV Funding LLC falsified that I was served, and I was never notified. Now they are pursuing a garnishment against my wages. What my concern is that how many people have they done this too. The information was just received on XX/XX/2022, of a garnishment and they filed this in the court on XX/XX/2022. I have disputed this issue over and over for years because my purse was stolen, and all my identification was stolen. I had to get replacement license, green card, social security card. Everything was replaced. Can you please direct me on getting this issue resolve. This company is obtaining judgement against people through fraudulent practices. Thank you.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV FUNDING LLC has denied my request for Validation. They deleted inaccurate reporting with XXXX, but refuse to remove inaccurate reporting with XXXX and XXXX. See Attached Documents.
Company Response:
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury under the laws of the United States, if executed outside of the United States that the foregoing is true and correct to the best of my knowledge. Further, I certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that i made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Moving forward I would like you to stop reporting to all credit reporting agencies that i owe any amount to your company. Remove all these false debts from my report ASAPI will also like your company to mail me via postal mail all changes have or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I sent a letter to Resurgent Capital Services as they are doing business as LVNV funding on XX/XX/2022 on a request to cease and desist all communication and collection on a debt that I do not owe. On XXXX, XXXXXXXX XXXX the letter was received and signed verifying the acknowledgment and confirmation that the request was received. A few months later on XX/XX/2022, I received a credit alert that LVNV funding appeared on my credit report without my writing consent because I do not have a written agreement with them, and also LVNV funding collection violated FDCPA 15 usc 1692c ( c ) and 15 usc 1692g ( b ).
Company Response:
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I Opened A Credit Card With XXXX. Used The Card, Paid, Used It Again, And Tried To Pay It Off... The Gentleman In The Call Center Refused To Take A Payment, I Asked For A Supervisor, He Hung Up On Me. I Kept Calling Back, Trying To Submit A Payment, Again They Refused. I Caught XXXX XXXX, Lost My Job Due To Closures, And Couldn't Pay The Bill. I Made Contact With The Company, They Informed Me That The Bill Was Going To Collections, Despite My Continued Efforts All Fall & Winter To Pay It. When The Pandemic Was The Worst I Checked My Score Randomly And Saw A New {$600.00} Bill On My Report, Not Recognizing It I Did Some Digging & Found Out That It Was The CreditOne Card. Under The Name Of LVNV Funding LLC. They Doubled My Credit Limit And Slapped That Total On My Report Plus A Few Dollars. I've Tried Talking With The Company, I've Tried Disputing It. All I Receive Back Is A Statement That The Information Is Correct, It Is Most Certainly NOT Correct. Unfortunately I Lost My House, Almost XXXX, Then My 3Br Townhouse & Surrounding Complex Was Sold To A Golf Course And Every Document I Had Is Gone. Everything I Had Is Gone.
Company Response:
State: ME
Zip: 04210
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A