Date Received: 2022-08-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Good Afternoon, This complaint is being filed under the Fair Debt Collection Practices Act. It has come to my attention that Debt Collector LVNV Funding LLC, has unlawfully filed a lawsuit against me without notification and/or justification on or about XX/XX/XXXX. The debt that this debt collector is trying to collect is a Fraudulent account in the amount of {$3700.00} opened per my credit report on or about XX/XX/XXXX. This is not my debt it is Fraudulent account. LVNV has never made contact with me of any kind with regard to this debt. LVNV placed this debt on my credit report numerous times only to remove it when I dispute it and place it back on again, the most recent reporting to my credit report is on XX/XX/XXXX, after LVNV filed its lawsuit. LVNV has continued to harass me in trying to collect on this debt by continuously placing the debt on my credit reports without any contact or notification with me, and now without notification and/or justification has filed a lawsuit.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: DEBT AMOUNT : {$1300.00} I want this company ( LVNV FUNDING, LLC ) to 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. This requirement was established by XXXX XXXX XXXX 2.Proof of my identity 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 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 use of my intellectual property, my signature
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Fraudulent reporting by a company called LVNV FUNDING on my credit profile. XX/XX/2020. I've written this co. Requesting validational of alleged account. They have yet to provide, nor can they provide information. XXXX refuses to remove it claiming its valid but will not provide me with validating documents.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My credit report has the following collection activity that was reported to all 3 credit bureaus without verification. - LVNV Funding Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed several items on my report that are not mine. They keep telling me they verified it as mine but give me no proof. LVNV Funding, XXXX XXXX, A Bankruptcy that I NEVER filed
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I Went to court on this collection account with Lvnv funding in XXXX in XXXX XXXX XXXX. The plaintiff did not show up so the judge dismissed it. I thought that they would update or remove the collection as per the judges statement but this never occurred. I did not receive anything from the court after the judgement, I am asking for both of the collection acts with LVNV to be removed.
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Did not receive any information to be able to resolve this debt. Did not find out until I received an email with out any notice or paperwork in the mail. According to the email I had a certain time frame to resolve this matter and was not allowed to send any response due to not getting anything mailed to me. Only copy I have seen was the one sent to my employer. And was only notified via email that wage garnishment was already in place
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies.This has not helped ; thus, these accounts are still reflecting on my credit report.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In XXXX LVNV Funding collection agency placed an unknown account on my credit and decided to sue me for it. I answered the complaint and appeared in court- however a representative from LVNV Funding did not show so the case was dismissed. Case # XXXX. After that, LVNV Funding continue to place the account on my credit every year. Once I dispute it- it gets removed. I need for the harassment and the bullying to stop. I was in the middle of financing and was denied because of the account being placed on my credit.
Company Response:
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: LVNV FUNDING LLC/RESURGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/2022 RE : PERMISSIBLE PURPOSE LETTER To whom it may concern. I, ( XXXX XXXX ) never gave ( XXXX, XXXX, OR, LVNV FUNDING LLC ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX/LVNV FUNDING LLC XXXX Unverified Account
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A