Date Received: 2023-11-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company did not provide me with the adequate info to me to valid the account was mines. Between XXXX XXXX 2023 the LVNV Funding LLC collections account was reported closed and they still didnt verify the account with my signature or verbal authorizing.
Company Response:
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding Breaking the law LVNV Funding sued me for a debt that I had requested more than 5 times for them to confirm that this debt was mine, I sent my letters certified. They never responded and then would just sell the debt to their other companies names, XXXX was called Resurgent Capital Services. I actually sent them verification/ validation letters as well. And again they never validated the debt. Even when they served the paperwork at my sons house by putting the paperwork on the front door, the information on that is wrong as well, They have an address that is more than XXXX XXXX XXXX with the current charges before being charged off. How do I know that that this is my account, nothing seems right. They actually fraudulently changed the address on the paperwork, it is incorrect and all invoices are mailed to me. Lvnv funding breaking the law Examples of false or deceptive statements XXXX XXXX are not allowed to falsely claim or imply that : Documents that they send you are legal documents if they arent- lvnv funding falsified documents and left on my sons front door, I have never lived at that address. I hired an attorney who did not do their job. I told them LVNV never verified. Also the person that LNVN hired would call and say they have a gift for me. Yea right.
Company Response:
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: LVNV funding LLC HAS reported my address is XXXX XXXX XXXX XXXX I have never resided there and I have proof of reports with my mail being directed there with my authorization and me paying to fix it to the correct address Ive disputed there information and they refuse to remove it they are reporting false reports on my credit report resulting in derogatory marks and comments I would like it removed
Company Response:
State: PA
Zip: 19133
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
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 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 I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response:
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/2023, LVNV FUNDING LLC and XXXX XXXX XXXX XXXX filed a Complaint with Exhibits alleging the following : XXXX. XXXX made purchases and/or received cash advances utilizing credit extended by XXXX XXXX XXXX, XXXX. ( the 'Creditor ' ), account number XXXX. XXXX. In accordance with the transactions made by myself on the account ( the 'Account ' ) heretofore mentioned, XXXX XXXX XXXX, XXXX XXXX and XXXX agreed to the resulting balance. XXXX XXXX XXXX XXXX, XXXX XXXX rendered statement ( s ) of the Account to XXXX, copies of which are attached hereto and incorporated herein as Exhibit 'XXXX ', and Defendant did not object to the statement ( s ). XXXX. XXXX failed and/or refused to pay for said purchases or cash advances as agreed, or otherwise. XXXX. XXXX XXXX XXXX has purchased the debt incurred by XXXX and now owns and holds all rights relative thereto, as evidenced by a copy of the ownership transfer documents attached hereto and incorporated herein as Exhibit 'XXXX '. XXXX. XXXX owes XXXX {$1400.00}. XXXX XXXX XXXX XXXX has conferred a benefit on Defendant by providing credit for cash advances, products and/or goods and services. XXXX. XXXX has knowledge of the benefit and the use thereof by Defendant constitutes an unjust enrichment of XXXX at Plaintiffs expense. XXXX. XXXX has accepted or retained the benefit conferred and the circumstances are such that it would be inequitable for XXXX to retain the benefit without paying fair value for it. XXXX has failed to pay for said benefit and XXXX has therefore been unjustly enriched. XXXX. As a result of the unjust enrichment of XXXX, LVNV FUNDING LLC has been damaged in an amount in equal to {$1400.00}. On XX/XX/2023, LVNV FUNDING LLC and XXXX XXXX XXXX XXXX filed a SUMMONS alleging that XXXX was properly serviced but XXXX was not properly serviced. XXXX XXXX XXXX XXXX XXXX named XXXX XXXX claims to have served copies of the Complaint, Exhibitsm and Notice to Appear For Pre-Trial Conference to a XXXX XXXX. He claims that this XXXXXXXX XXXX was XXXX 's co-resident, which is not true. XXXX had no knowledge of this woman or her interaction with the XXXX XXXX. On XX/XX/2023, LVNV FUNDING LLC and XXXX XXXX XXXX XXXX filed a Motion for Summary Judgment. On XX/XX/2023, an Answer, Affirmative Defenses, Demand for Jury Trial, Memorandum in Opposition of Summary Judgment was filed by XXXX. On XX/XX/2023, there was a hearing. On XX/XX/2023, a Request for Admissions and Request for Production was filed by XXXX. On XX/XX/2023, LVNV FUNDING LLC and XXXX XXXX XXXX XXXX filed a Motion for Summary Judgment. On XX/XX/2023, an Answer, Affirmative Defenses, Demand for Jury Trial, Memorandum in Opposition of Summary Judgment was filed by XXXX. On XX/XX/2023, there was a hearing on the Motion for XXXX XXXX. XXXX XXXX ( XXXX ) denied the Motion for Summary Judgment and gave LVNV FUNDING an additional 20 days to respond to an overdue discovery. On XX/XX/2023, LVNV FUNDING LLC and XXXX XXXX XXXX XXXX filed a Notice of Voluntary Dismissal. XXXX XXXX is still reporting an unverified debt to the Credit Reporting Agencies further damaging the reputation, credit worthiness, and ability to obtain credit and/or loans even after filing litigation against XXXX then proceeding to voluntarily dismiss their own action due to not having documents requested for discovery.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. I have sent a total of six previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX, XXXX, and XXXX. These receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary. Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: My information was sold and bought illegally because I was a victim of the XXXX breach. I want these items deleted from my credit reports effective immediately Im attaching proof that XXXX has immediately that I was, in fact of victim of his date of breach, and XXXX has done nothing, please help me delete these illegal accounts off my credit reports. ( list all those negative accounts from your XXXX credit report account names and account numbers )
Company Response:
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
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 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 I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: I, XXXX XXXX, started receiving a bunch of calls at first and then they started emailing so I recently sent a letter asking for VALIDATION of debt and they did not send what I asked and said the debt was VERIFIED. I reached out by mail separate occasions and they are not rebutting me correctly I have been in correspondence with RESURGENT RECEIVABLES, LLC through and they send me the same thing which does not Validate a debt they ( Resurgent Receivable, LLC ) claim I owe them.
Company Response:
State: CT
Zip: 06605
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I don't know how this company has attached these accounts to my XXXX report but i need it removed. like yesterday i have enough stress in my life i dont need anyone else debt being tacked on to mine! i contact LVNV and sent letters informing them of the mix up and they didn't reply. Account Name : LVNV FUNDING LLC Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1900.00} Account Name : LVNV FUNDING LLC Account Number : XXXX Account was opened : XX/XX/. Account Balance : {$1000.00}
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A