Date Received: 2023-12-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to inform you of your violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ) and to demand the immediate cessation of all communication, collection activities, and reporting to credit reporting agencies concerning the alleged debt. Under 15 USC 1692, you are required to adhere to specific rules and regulations when attempting to collect a debt. It has come to my attention that you have failed to comply with these regulations by engaging in [ describe the specific violations, such as harassment, misrepresentation, or unfair practices ].
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-12-05
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 was result of identity theft
Consumer Complaint: I am asking for a investigestion on this account I do not have a contract with this company please have this company sign a contract bearinf my signature LVNV FUNDING LLCXXXXXXXX XXXX XXXX is this account and in accordance to the Fair Credit Reporting Act LVNV FUNDING LLCXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agrncy can not furnish a account without written instructions.
Company Response:
State: PA
Zip: 17603
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 notice of right to dispute
Consumer Complaint: LVNV funding did not Give notice that I can dispute the debt, This junk debt buyer parked a collection account illegally on my consumer reports, I have never done business with LVNV Funding I have No contract with LVNV Funding. This company has violated setion 623 of the fair credit reporting act and Federal debt collection practice act ( FDCPA ) section 1692j LVNV has harm my abilty to obtain credit at a low interest rate. I ; m in the process of purchasing a home for my Family.
Company Response:
State: CA
Zip: 91786
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: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I dispute a collection agency call resurgent on my credit report for transuion on XX/XX/2023 and I have not heard anything from them
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services L.P this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was sent an email from XXXX XXXX XXXX for a settlement in the amount of {$1600.00}. I received an email from XXXX XXXX saying they are no longer responsible for the debt and it is back in lvnv fundings hands. I called and they told me this is incorrect. Resurgent also has my debt was is on my credit this is inaccurate reporting and incorrect
Company Response:
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2023, LVNV Funding received a debt validation letter from XXXX XXXX. LVNV Funding did not validate the debt that LVNV Funding allegedly claim I owe. As a result of that failure, LVNV Funding also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/2023. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days. LVNV Funding have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). LVNV Funding neglected to respond or comply. LVNV Funding has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because LVNV Funding does not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give LVNV Funding legal permissible purpose per FCRA. LVNV Funding is a known junk debt buyer. Per 15 USC 1692K Civil liability, LVNV Funding is now liable for violations that they have carelessly committed. These behaviors are also considered abusive and harassing. I am aware that LVNV Funding was sued before for abusive and deceptive practices and behaviors towards past consumers. Recently, LVNV Funding attempted to sue XXXX XXXX from XXXX for a debt he did not owe. LVNV Funding was then ordered to pay XXXX XXXX {$19000.00}. LVNV Funding will be sued if LVNV Funding continues and attempts to call my bluff as a federally protected consumer by not complying with the FDCPA, FCRA, and Privacy Act. The actions LVNV Funding have committed constitute identity theft and fraud. LVNV Funding will be reported to the FTC once more.
Company Response:
State: TN
Zip: 38301
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I opened an credit card with XXXX XXXX around XX/XX/XXXX or XX/XX/XXXX I called XXXXXXXX XXXX because my card was maxed out they said there were numerous internet charges for games made on this card. So I explained that they were NOT mine. XXXXXXXX XXXX service representative stated that I still had to pay for these charges. So I closed the card. I have recently found out from the NY State Attorney Generals Office that this was illegal for XXXXXXXX XXXX to do this. Consumers are not responsible to pay for UNAUTHORIZED CHARGES made on a credit card. XXXXXXXX XXXX also has this phone called recorded in there data base as this conversation was recorded. Now XXXX XXXX has sold this account to LVNV and they are reporting this debt on my credit reports. I have reported this to LVNV funding but they continue to ignore the law and keep reporting this on my credit reports.
Company Response:
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Charged upfront or unexpected fees
Subissue:
Consumer Complaint: I received an e-mail on XX/XX/2023 from an XXXX XXXX from XXXX telling me that I owe {$1200.00} to LVNW Funding LLC on a debt from XXXX XXXX XXXX, XXXX. I never heard of the bank nor did I even file any loans from that bank. I am providing screenshots of said e-mail with this complaint.
Company Response:
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have repeatedly requested my signatures on the application of this debt. I keep asking how the debt was verified. I noticed that this company continues to re-age my account. They will not report it on my credit report properly.
Company Response:
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A