Date Received: 2023-12-08
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Amount {$1100.00} Date Unknown Hi, I have tried countless times to dispute the issue with LVNV and XXXX every time I call and provide my information they tell me that they can't help me because the social security number they have does not match my account however they continue to report this account on my credit report. They even told me that the social security does not match it has my name and therefore I am responsible for the account LVNV Funding LLC RE : Validation Requested RE : Account # XXXX To whom it may Concern, I dispute your claim and I am requesting validation from you under the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide a breakdown of fees including how you calculated what you claim I owe. Please provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Please send this information to my address and accept this letter as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: LVNV FUNDING LLC has called on multiple attempts, asking for a balance. I have no acknowledgment of from a former credit card company that I was told that already disappeared. This is wrong behavior and no proper bussiness.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties this lools SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirments are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days failure to comply with these federal regulations by the FTC U.S C 41, et esq. I am maintaing a careful record of my communication with RESURGENT CAPITAL SERVICES, LP./ LVNV FUNDING LLC. , located at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The debt collector engaged in the unlawful, abusive, deceptive, and unfair practice of the FDCPA which it prohibits. They furnished this account that I don't agree with and I didn't sign an agreement or any legal contract. A contract is an agreement between two people and I did not participate in any contact with this company. They did not follow the proper process of validation, which makes these unfair practices according to FDCPA. In addition, I am entitled to $ XXXX for this violation. An FCRA violation refers to a violation of a federal law that regulates that collection discrimination and use of consumer discrimination and use of consumers regulation agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: on XX/XX/23 I disputed a collection account. XXXX did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of this reporting service.
Company Response:
State: MN
Zip: 56301
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
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 is regarding CFPB complaint XXXX. This letter is my final communication regarding your claim that the information below has been verified and that the information being furnished is accurate. I informed you of the clear inaccuracies reporting including the balances and the date last active. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under the FDCPA. If this account is not removed from my credit report, I will be filing a statement of claim to move forward with legal action and compensation due to negligence, mental anguish, and proof of documented violation of the FDCPA.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Company Response:
State: IL
Zip: 609XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/23 I requested this information from to verify the debt and they kept sending me the same documents and never what I requested. They sent majority of the documents except the signed contract or application that shows my signature or the proof they own the debt.
Company Response:
State: IL
Zip: 60565
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A