Date Received: 2023-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING WITH ACCOUNT # XXXX. And a balance of {$2000.00}. LVNV FUNDING is violating the Fair Credit Reporting Act Privacy Act of 1974, as amended,5 U.S.C. 552a. LVNV FUNDING is using there policies to answer my request, company policies are not LAW. LVNV FUNDING uses my information without my consent report inaccurate information to the credit bureau. The company erred and failed, and denied and ignored my request for a contract to prove that I give own them for any loan. I have the right as a consumer under the Fair Credit Reporting Act to request a copy of a contract with XXXX XXXX and LVNV FUNDING to proof that I owed them for any loan.
Company Response:
State: CT
Zip: 06108
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This dispute is in reguards to an account on my consumer report from LVNV Funding LLC ( XXXX XXXX ). Pursuant to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my right to prevent financial institutions from sharing my nonpublic personal information without my written authorization, agreement, or a legitimate purpose. I have not granted such permission, and this constitutes a violation of the aforementioned laws. These are the specific violations and corresponding laws pertaining to my dispute : 15 USC 1681a ( 2 ) ( I ) : LVNV unlawfully shared transactions and experiences on my credit reports. This section prohibits reporting personal information solely related to transactions or experiences between a consumer and the reporting entity. 15 USC 6802 ( b ) ( 1 ) : LVNV disclosed nonpublic personal information to an unaffiliated third party without providing me with the mandatory notice. This section requires financial institutions to notify consumers before disclosing nonpublic personal information to nonaffiliated third parties. In light of these violations, I demand the immediate removal of all LVNV account transactions and experiences from my credit reports. I have already filed a fee schedule with the court clerk in my jurisdiction. If this matter remains unresolved within seven days, I will pursue legal action, including reporting this violation to all relevant government agencies and regulatory bodies. My course of legal action will include : Internal Revenue Service ( IRS ) : I will notify the IRS of LVNV 's potential violation of tax laws related to financial information sharing. Securities and Exchange Commission ( SEC ) : I will inform the SEC of LVNV 's potential violation of securities laws related to the protection of investor information. Federal Trade Commission ( FTC ) : I will file a complaint with the FTC regarding LVNV 's unfair and deceptive practices. Federal Bureau of Investigation ( FBI ) : I will report LVNV 's potential violation of federal laws related to financial information privacy. Financial Crimes Enforcement Network ( FinCEN ) : I will notify FinCEN of LVNV 's potential violation of anti-money laundering regulations. Office of the Comptroller of the Currency ( OCC ) : I will inform the OCC of LVNV 's potential violation of banking regulations related to consumer information privacy. Federal Communications Commission ( FCC ) : If LVNV has used telecommunications channels to violate my rights, I will report them to the FCC. Consumer Financial Protection Bureau ( CFPB ) : I will file a complaint with the CFPB regarding LVNV 's violation of consumer protection laws. State Governors : I will notify the governors of all relevant states about LVNV 's potential violations of state laws related to consumer information privacy. State District Attorneys : I will report LVNV to the district attorneys of all relevant states for potential violations of state laws related to consumer protection. State Attorneys General : I will inform the attorneys general of all relevant states about LVNV 's potential violations of state consumer protection laws. Department of Justice ( DOJ ) : I will report LVNV to the DOJ for potential violations of federal laws related to financial information privacy. I have retained an attorney to pursue legal remedies based on my registered fee schedule and the unlawful acts committed by LVNV. This fee schedule includes : Credit reporting agencies : {$1000.00} per day for each day they continue to report false and fraudulent information. Credit reporting agencies : an additional {$20000.00} in attorney fees after 15 days. LVNV will pay {$2500.00} per day for each day they continue to violate the FDCPA and engage in unfair and deceptive practices. I urge all parties involved to take immediate action to resolve this matter and comply with the law. I demand the immediate removal of the LVNV account from my consumer reports.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is the third time that this has been on my credit report from different companies. Requested information and you only sent me a bill. Nothing with my signature on it. The first company that tried to collect on this was XXXX XXXX XXXX, and it was removed from my credit report. The second company XXXX XXXX XXXX and it was removed also for my credit report.
Company Response:
State: GA
Zip: 31602
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THE DEBT IS SHOWING ON MY CREDIT REPORT AS LVNV FUNDING. I HAVE NEVER HAD AN ACCOUNT WITH THEM. DEBT IS NOT MINES AND NEEDS TO BE REMOVED IMMEDIATELY. THE CREDITOR IS ALSO SHOWING THE NAME AS XXXX.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing complaint to this company I found inaccurate information to this LVNV FUNDING. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: There is a debt collector by the name of LVNV Funding LLC that claims I have a debt they purchased I am responsible for, and they can not provide me with any information with the account. On XX/XX/XXXX, I received a letter from my employer stating that they received a wage order from a company called XXXX XXXX XXXX to garnish 15 % of my income on behalf of LVNV funding. I have never received any other notices prior to my employer informing me of what they have received. on XX/XX/XXXX, I reached out to LVNV to receive a proof of purchase agreement or more information on the account they claim I owe which does not belong to me and I did not receive a response or answer XXXX phone. I was redirected to resurgent capital when I searched LVNV online to find any account information associated with my name. According to their database, they have no information for my alleged account and directed me to call for more information, upon calling resurgent after they hung up on me three times, they also stated they can not disclose any information to me, but I can begin sending payments. I explained that I filed a police report because there is no account that I have had with them, and they claimed they would be mailing me information for my request to close an account that does not exist, and I still have received nothing from them. I am expected to show up to court but I can not find any legit information from this debt collector that shows proof I am liable for an account dated back to XXXX that does not belong to me. I recently had another account removed for the same reason from LVNV funding in XXXX and now they are back on my credit report and garnishing my wages.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a Welcome letter stating that if the account isn't paid within a specific time, it will be posted to my credit. I went online to set up payments but was never told I could dispute this. So now, since I've made two payments, the company has posted this debt and states it won't be removed until they receive all fundsdeceptive communication practice.
Company Response:
State: GA
Zip: 31015
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I've never had an account with this company or XXXX XXXX who they're holding debt for.
Company Response:
State: MO
Zip: 64014
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX hasn't done any investigation and has hurt my credit file keeping me from purchasing a home, because if a low XXXX XXXX.
Company Response:
State: MO
Zip: 64014
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have told LVNV FUNDING LLC to cease all communications with me in regards to the following alleged debt. Account # : XXXX. My request to cease all communication did NOT include communicating by responding to a cfpb complaint. They are still choosing to violate federal law by communicating with me. The Fair Debt Collection Practices Act ( FDCPA ) defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is a indirect medium to which they are choosing to communicate with me. In other words, they are willfully violating federal law and to be more specific, 15 U.S. Code 1692c. Along with other FDCPA laws they are violating my right to privacy as a federally protected consumer. I respectfully ask the cfpb to help cease all this communication.
Company Response:
State: PA
Zip: 187XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A