Date Received: 2023-12-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Account Names : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX the accounts above XXXX, XXXX XXXX and XXXX have violated my consumer rights. According to 18 USC 8, I do not owe any outstanding debt, and my consumer right to privacy has also been violated according to 15 USC 1681b ( 2 ). Furthermore, these consumer reporting agencies do not have permission to report anything without my written consent and by that, violate 15 USC 1681 ( 4 ). The stated consumer reporting agencies have failed to uphold the legal standard and have violated my rights as a consumer. I demand that XXXX, XXXX, and XXXX provide proof of my written consent to report. If such documentation can not be furnished, I demand that the accounts stated above be removed immediately.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to bring to your attention an issue I have been facing regarding my credit report. I have previously submitted disputes for certain accounts, but despite my efforts, these disputed accounts have not been removed from my credit report. I initiated disputes with the credit reporting agencies, I have attached copies of the dispute letters I submitted. Despite following the proper procedures, the disputed accounts continue to negatively impact my credit score. I kindly request your assistance in investigating this matter and facilitating the removal of the disputed accounts from my credit report. I understand the vital role that the Consumer Financial Protection Bureau plays in ensuring fair treatment of consumers, and I am hopeful that your intervention will help resolve this issue promptly. If you require any additional information or documentation, please do not hesitate to contact me. I appreciate your attention to this matter and thank you in advance for your assistance.
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV Funding LLC has not provided debt validation of alleged debt. Its been over XXXX months and they never sent me documents of my request
Company Response:
State: NC
Zip: 27530
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/XXXX I filed for debt relief, The account at XXXX with a balance or around XXXX was included, After severe attempts by Freedom Debt Relief they refused to work with us. They placed the account as a collection on my report sometime in XXXX, Sued me for over {$9800.00} and before going to court they dismissed the lawsuit. I have sent a copy of the court order to the credit companies but they refuse to remove the collection We are attempting to refinance our house and this is causing problems with the new mortgage company, It lowered my credit score to a point where I have to pay XXXX percent more interest because of their collection
Company Response:
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Subject : Request to Reopen Case - Inadequate Debt Validation and Inaccurate Reporting by LVNV FUNDING LLC Complaint ID - XXXX Dear Sir/Madam, I am writing to request the reopening of my case and to file a formal complaint against LVNV FUNDING LLC.This request stems from their continued failure to provide complete and satisfactory debt validation and their inaccurate reporting of information on my credit report. Despite my previous efforts to resolve this issue, LVNV FUNDING LLC has not adequately addressed the concerns raised. Specifically, their response to my debt validation request was incomplete and lacked the necessary documentation to verify the legitimacy of the debt. This failure not only violates my rights under the Fair Debt Collection Practices Act but also continues to adversely impact my credit standing. Given these unresolved issues and the significant impact they have on my financial profile, I am compelled to seek further assistance from the CFPB. It is imperative that this case be reopened to ensure that [ Credit Collection Agency 's Name ] is held accountable for their actions and that my concerns are addressed in a thorough and lawful manner. The key issues that necessitate further investigation and resolution include : 1. Incomplete and inadequate response to my debt validation request. 2. Inaccurate information reported on my credit report by LVNV FUNDING LLC. 3. Lack of compliance with the legal requirements for debt collection and reporting. Enclosed are the questions that I have previously asked, along with an additional question added to the previously asked questions. LVNV Funding LLC should answer each and every question with accurate information, including previous correspondence with LVNV FUNDING LLC and records of the disputed credit report entries. These questions highlight the areas where LVNV FUNDING LLC has failed to comply with legal standards and the impact of these failures on my financial standing. 1. Please provide a complete payment history made by me, as required by Spears v. Brennan, 745 N.E.2d 862 ( 2001 ) Ind. App. LEXIS 509. This should include verification by line item, with an explanation for each item, such as when the purchase took place, the cost of the item, whether the goods were received, and when they were received. This information should be obtained directly from the original creditor for the entire amount you claim I owe. 2. A certified copy of the originating contractual agreement bearing my signature with the initial creditor that I would pay this creditor, elucidating terms pertinent to interest, fees, and ancillary charges. 3. I am requesting information to determine if any insurance claims have been made regarding this debt. Please provide any relevant documentation or evidence of such claims. 4. I require proof that you have the legal chain of title necessary to collect this debt. This should include documentation showing the transfer of ownership of the debt from the original creditor to your agency. 5. The obligation between LVNV Funding LLC and me, which permits you to collect on the alleged debt, and any transactions with LVNV Funding LLC that bind me to an agreement to pay any money that LVNV Funding LLC claims I owe 6. The exhaustive sum of the purported debt, encapsulating any accrued interest, fees, or additional charges. 7. An itemized account of the principal amount initially owed, accompanied by a delineation of any interest, fees, or other charges incorporated post the original creditor 's assignment of the debt to your agency. 8. The name of the creditor to whom the debt is owed ; 9. The precise date marking the initial default or non-payment related to this account. 10. Documentary evidence affirming your agency 's legal authority to initiate collection activities within my jurisdiction, inclusive of, but not limited to, necessary licensure and registrations. 11. Confirmation that the window for the statute of limitations concerning this debt remains open. 12. A statement that unless I dispute the validity of the debt within 30 days, it will be assumed valid by your agency ; 13. A statement that if I do dispute the debt within the 30-day period, your agency will obtain verification of the debt or a copy of a judgment against me and mail me these verifications ; 14. A statement that upon my written request within the 30-day period, your agency will provide me with the name and address of the original creditor, if different from the current creditor. I appreciate the CFPB 's attention to this matter and look forward to your prompt response and assistance in resolving these ongoing issues. Thank you for your time and consideration. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This date that is shows this account is incorrectly reported on my XXXX report it says I omen this account in XXXX off XXXX with XXXX XXXX XXXX XXXX which is incorrect nor did I open up an account with LVNV FUNDING LLC nor have I ever signed any contract with LVNV FUNDING LLC this information is not reporting correctly to my credit file so I request to have this account removed from my credit file immediately
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Electronic communications
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: PURDANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g stating 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-name TITLE and SECTION. 1 respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus, this may 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 you represent, will not hesitate in bringing legal action against you and your client for the following violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practice Act, and Defamation of Character. Your offices are to provide the proper documentation as requested in the following declaration. will require at least 30 days to investigate this information, during which time all collection activities must cease and desist. Also, during this validation period, if action is taken which could be considered cetrimental to any of my reports, l will consult my legal counsel for suit. This is including any listing of any information to a credit reporting agency that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, l references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately ... .Pursuant to 15 USC 1692 ( c ) I am notifying you in writing that I refused to pay this alleged debt, and I : demanding that you cease all forms of communication with me through any all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am revoking my specified remedy as a Consumer, natural person I am demanding all the following : XXXX out the balance on this account Deletions from all customer reports Have any judgments been obtained by any creditor regarding this account? YES or NO Please provide the name and address of bonding agent for LVNV FUNDING, in case legal action becomes necessary : Authorized Signature of Creditor : Date : XX/XX/XXXX You must return this completed form along with copies of all requested information, assignments, other transfer agreements, which would establish your right to collect this alleged debt within 30 di from the dte of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information. Please answer the following statements/questions 1. Name and address of alleged creditor. 2. Name on file of alleged debtor. 3. Alleged account #. 4. Address on file for alleged debtor. 5. Alleged account #. 6. Amount of alleged debt. 7. Date ( this alleged debt became payable ) 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased? 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants LVNV FUNDING the authority to collect this all debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Agreement with your client that grants LVNV FUNDING the authority to collect this allegedly debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor ha contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account?
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i was contacted by email to pay a debt i did not owe or recognize! i asked for proof and validity of debt! the debt collection company name used was XXXX i have an email to dated XXXX correspondence was XXXX XXXX at email XXXX The email states a company owner called : LVNVFunding LLC says they will not resume collection activity until i am informed of validity. i do not know or owe any money to LVNV Funding! i have requested validity of bill and never received a response! Now a company called Resurgent Capitol Services is attempting to collect the fake debt for LVNV Funding! i have continuously received phone calls by debt collectors and scammers from fake numbers all over the world! i have asked them to stop calling me and i then receive a call from a different number same scammers on XXXX XXXX i received a letter in the mail demanding payment of {$92.00} from Resurgent Capitol Services saying i have until XX/XX/XXXX to i have called the number to dispute the charge and sent to different operators XXXX XXXX XXXX refrence XXXX
Company Response:
State: CA
Zip: 92011
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX {$140.00} XXXX XXXX {$77.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$5900.00} LVNV Funding {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Principals rights were violated by XXXX XXXX XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. This erroneous tortuous act took effect on XX/XX/ for amount {$19000.00}.
Company Response:
State: MO
Zip: 63114
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A