Date Received: 2023-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC, under the name XXXX contacted me via email in XX/XX/2023 threatening to sue me for as debt. I had never heard of this company and responded as such to the email, I received a reply stating they would send me a letter and not contact me via email again. In XX/XX/2023 I received a second email, again threatening to sue me, I once again responded I do not know you and I was supposed to be getting a written letter not an email. 5 days later I got a letter telling me they had received my request for proof of ownership of debt, but no proof. In XX/XX/2023 I wrote a letter requesting evidence of ownership of debt, in reply to the written letter I had received asking for the original contract with my signature on it, a copy of the payment history for the debt and a copy of the contract between the original creditor they claimed and themselves. - I received NO REPLY. I gave a 30 day deadline to respond. On XX/XX/2023, I received a letter dated XX/XX/2023 from a XXXX XXXX XXXX, XXXX. Telling me they were contacting me on behalf of LVNV Funding LLC and they still did not supply the requested proof of ownership or validation of debt. I responded to this letter to explain I had asked for proof of ownership and validation of debt and had been met with silence from XX/XX/2023 until XX/XX/2023.
Company Response:
State: NC
Zip: 28152
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a company LVNV Funding LLC, which showed up on all my credit reports I believe in XXXX of this year. I do not know who this company is and I have never done business with this company. I have requested documentation show I have or had an account with them and they have yet to provide the information
Company Response:
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received mail saying that I owed money for a credit card from XXXX. I sent a letter out explaining that that was not at my debt. Time went by and it was still on my credit report. Then I went on to file with the FTC then it was taken off the months later I received a letter from Resurgent Capital Service saying that I owe them {$1800.00}. Then my payroll company contacted me saying that my wages were going to be garnished. Then I received an email saying that I my next court date is in XXXX. That can't be the case because I never had a first court date for them to put in an order to garnish my wages. That is a violation of my rights to garnish my wages without me first appearing in court after I filed a FTC report reporting that this debt did not belong to me and was a result of identity theft. Now my wages are going to be garnished for the first time in XXXX and my court isn't until XXXX. I can not afford for 25 % of my gross income to be taken out of my checks for a debt that doesn't belong to me. I want these garnishments removed because that debt does not belong to me.
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Wrong Information, not my account, I never signed a contract with company
Company Response:
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC XXXX XXXX Reference XXXX Debt Validation 15 USC 1692g . 1 ) Detailed list of audit of payments made by me on this account. 2 ) I want a signature that I put on a contract guaranteeing that I would pay this creditor. 3 ) I am asking to see if there has been any insurance claim filed on this alleged debt. 4 ) I want proof that you have the chain of title and agreement that grants you authority to collect on this alleged debt. USC 1681 section 602 A states " There is a need to ensure the customer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect to the consumer 's rights to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that tidal. 15 USC 1681 section 604 a section 2 states that " in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish the information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my non-disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency mate make any consumer report containing any of the following items of information 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 an adverse item they are reporting again without my permission which is against the law 15 US code 1681 s-2 ( A ) ( 1 ) a 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 US code 1681e states " Every consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 US code 1681e states " 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 purpose listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at anytime '' I am opting out for your reporting services.
Company Response:
State: MT
Zip: 594XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see the following timeline : XX/XX/XXXX : I received a letter from Resurgent in response to my dispute with XXXX which included an Identity Theft affidavit for me to complete and send back for processing. ( See exhibit 1 ). This was completed and sent back to Resurgent. Resurgent required the affidavit to be notarized at my expense for which I did pay. As of the date of this letter, I still have not received any follow-up regarding this review. XX/XX/XXXX XXXX : Due to the response that Resurgent submitted to XXXX regarding the dispute, I submitted a Request For Debt Verification letter to Resurgent on XX/XX/XXXX which they received on XX/XX/XXXX ( See exhibit 2 ). XX/XX/XXXX : I received a letter from Resurgent advising that they have initiated a review. ( See exhibit XXXX ) XX/XX/XXXX : I received two separate letters from Resurgent stating that an account summary was enclosed which was their response to my request for Debt Verification. On both letters they enclosed the account statements from XXXX and XXXX that provided no information that satisfies my request to verify the debt. There is no information provided to show how the account was opened or what documentation was provided to authenticate the identity of the unknown individual opening the account. On the same day, I submitted another letter to Resurgent stating that the documentation that they provided does not satisfy my request and therefore the matter is not resolved. This letter was received XX/XX/XXXX ( See exhibit 4 ). XX/XX/XXXX : I received four letters from Resurgent. The first letter just stated that a review had been initiated, which is the same letter that was already sent previously. The second letter was another request to complete the same Identity Theft affidavit that was already completed and notarized from XX/XX/XXXX. The third letter again was a duplicate response which enclosed the same account statements from XXXX and XXXX. The fourth letter was a collection letter requesting payment. In summary, I disputed a derogatory reporting with XXXX in which a response was given by Resurgent that the reporting was valid. In response, I submitted to Resurgent a request for Debt Verification in which they provided copies of two account statements from the fraudulent account from XXXX and XXXX. There was no information provided to me that reflected any investigation on how the account was opened nor what documentation was submitted. Resurgent did provide me with an ID Theft affidavit requesting for me to complete, notarize, and return which I did. However, there has been no response or follow-up from Resurgent regarding what was done with that document. The last correspondence that I received from Resurgent was a request for payment. I am seeking assistance with getting this file removed from all credit bureaus. A police report with file with the XXXX Police Department on XX/XX/XXXX. The report number XXXX
Company Response:
State: CA
Zip: 91740
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: From XXXX I have been in and out of XXXX with some with time length in between these years. My fianc and I were Car Theft Victims in XXXX which exposed my personal and business identity. Due to these situations and unfit and unsecured environments of XXXX along with the strong possibilities of my sons mother and daughters mother having my information, Im convinced my identity has been compromised and exposed to identity theft. I have filed Identity Theft with Federal Trade Commission through XXXX. I have accounts that Im unaware of along with inquiries addresses and negative accounts on my credit that I need to resolve. I am in an era of my life where Im investing personally and in business. This is taking and having an affect on my everyday living. I would like to have these removed and resolved as soon asap.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have never held an account with this company and they are attempting to collect a debt that had already been discharged with the original creditor. I requested to opt out of them sharing my account information and all attempts be ceased via phone and email and they refused and continued to contact me. A 1099 has been filed and accepted by the IRS and copy B has been sent to the original creditor and whoever this company is.
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Are You Serious!!!!! This company has engaged in abusive, deceptive, and unfair practices that are prohibited by the FDCPA. They've reported an account without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!
Company Response:
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing to express my disappointment with the inaccurate credit reporting done by XXXX XXXX XXXX XXXX. This reporting has severely damaged my financial situation. On XXXX, I noticed a new account on my credit report that I did not open. I immediately sent a notice to XXXX XXXX XXXX XXXX, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, XXXX XXXX XXXX XXXX has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that XXXX XXXX XXXX XXXX immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If XXXX XXXX XXXX XXXX does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit in Federal Court.
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A