Date Received: 2023-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i sent the XXXX XXXX XXXX letters requesting that they show proof that I opened the account and the response I got was a judgement against me that i had absolutely no knowledge about. I was not served nor notified of such. and its not even my dept. I believe someone acted as me or used part of my identity to get the account. not sure how it happened but it was not me.
Company Response:
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I personally did not take out this loan. The number attached with this amount of money taken out does not match with my phone number. The texts I am getting are towards an XXXX. This loan was getting paid and it stopped getting paid but the company never had my actual account, had to be from someone else that falsified my XXXX and my information.
Company Response:
State: CA
Zip: 92225
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC # XXXX THIS INSTITUTION IS REPORTING NEGATIVELY ON MY CREDIT REPORT! I DO NOT OWE THEM, I HAVE NEVER SIGHNED ANY AGREEMENT, PROPOSAL, OR CONTRACT WITH THIS INSTITUTION! I AM DEMANDING THAT THEY EITHER SHOW ME AN ORIGINAL CONTRACT SIGHNED BY ME OR IMEDIATELY REMOVE THE NEGATIVE ACCOUNT FROM MY CREDIT REPORTS!
Company Response:
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Company LVNV Funding LLC reports a XXXX XXXX XXXX account open on XX/XX/2023 that I didn't open.
Company Response:
State: OH
Zip: 44052
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Recently, I did an investigation on my credit report and have found questionable reporting practices and failure to meet minimal requirements with XXXX XXXX and LVNV. I have written several letters to all three credit bureaus back in XXXX, as noted in your system asking for validation. All have claimed that they have verified the inaccuracies XXXX XXXX has reported on my credit report. On XXXX XXXX, XXXX I have sent a letter directly to XXXX XXXX and LVNV asking for a correction and/or prompt removal of incomplete, outdated or unsupported information. To date, nothing has been updated. As a consumer, I request to know all of the steps this agency took to ensure that these items were reported as 100 % accurate under 15 USC 1681i ( 7 ) Method of verification. Description of reinvestigation procedure.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. LVNV FUNDING LLC {$780.00} I believe these companies has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature!
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I have been getting constantly harassed and today it's peaked to 6 calls with some pretending to be fake employers or party goers. I have all this documented. The extent they are still going to do to me after I said many times to " XXXX XXXX and stop harassing me '' multiple times and excuse the language. It's driving me insane They would curse at me and constantly ask who is this or is this XXXX XXXX. They record me, i already have mine running and let them know. I literally saved 5 numbers just today that you can see patterns in their fake proxy numbers such as area codes. I got three texts from made up people that I called and they were made up. Id ask what their first and last name is. Today they went over overboard trying a new way to harass via pretending to be employers. I got screenshots of their texts and aliases used such as : XXXX ( XXXX XXXX ), XXXX XXXX but signed as Nohely ( XXXX XXXX ), and the best one, i also called and confirmed is first name and last name XXXX ( AT XXXX ). I called after I got up. They told me it's XXXX, first and last name. I hung up. Many of the fake numbers used you can XXXX where people confirm it's debt collector online. I believe the criminals are LVNV funding. I live in Florida where state law protects citizens from harassment such as I am going through. It's psychological damaging and I been diagnosed with XXXX and XXXX XXXX. Help stop them.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This shall serve as an official cease-and-desist for the account starting with XXXX stop all communication. Per the FDCPA The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. usc 1692k civil liability.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I refuse to pay any debt to LVNV FUNDING LLC account # : XXXX, XXXX, XXXX, XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language. There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of XXXX compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States District Court XXXX XXXX of North Carolina.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A