Date Received: 2022-06-03
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: CFPB XXXX ACCOUNT XXXX AMOUNT {$750.00} 15USC 1692e false or misleading representations is a BIG violation you have put false information on credit report. VIOLATION MY RIGHTS THE LAW IS CLEAR ANY INFORMATION WHAT CAN NOT BE VERIFIED MUST BE PROMPTLY DELETED I DEMAND YOU TO DELETE THE ACCOUNT IMMEDIATELY TO ALL 3 MAJOR CREDIT AND SUB BUREAUS SEND PROOF OF DELETION
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you LVNV Funding to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. LVNV Funding must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for LVNV Funding to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and LVNV Funding. Providing that LVNV Funding is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, My name Is XXXX XXXX and I am filing a complaint against LVNV Funding LLC for committing identity theft I have never given LVNV Funding LLC permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claimI owe. I am legally refusing to to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of allillregal activity, any communication, and collection activity of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was sued by XXXX and XXXX is XXXX for a debt to XXXX XXXX XXXX for a credit card. In XXXX my wages were garnished and my debt was paid. As of XX/XX/XXXX the judgement still sits on my credit as an unpaid judgement. For four years this debt has been killing my credit even though it is paid. I am now trying to buy a home and can not due to this debt not showing paid.
Company Response:
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I filed a Identity Theft Report with the FTC and local police department. I can provide scans of both. I then, submitted a complaint with the CFPB against XXXX XXXX, who said theyd stop contacting me and stop trying to collect this debt ( due to the fact I do not owe it - it was the result of identity theft. ) They went away but then a couple days ago I received a letter from LVNV Funding Llc. stating they bought the debt. I immediately sent a certified letter on XXXX to LVNV Funding Llc. with the identity theft report, the data breach letters I received ( that resulted in my identity being stolen ), as well as proof of identity, and a dispute letter ( due to this debt not being mine ). Ive attached a photo of the letter mailed, my identity theft report, and other supporting documents.
Company Response:
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. LVNV FUNDING LLC XXXX Balance : {$1000.00}
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
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: This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Company Response:
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: According to my notes this account was sold are was giving to I do not no p
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This.resurgent company is trying to collect a debt from XXXX or XXXX that I reported at the time as fraudulent charges - the original creditor corrected the issue back in XXXX - this debt is not mine nor is it collectible from me - as a matter of fact I dont even think its legal to try and collect a debt from XXXX from any party-
Company Response:
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A