Date Received: 2023-11-05
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: ACCOUNT NAME LVNV FUNDING LLC Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: After filing a complaint on XX/XX/2023, i have noticed that XXXX XXXX XXXX continued to charge me after the account was closed, I payed off the Credit Card ending in XXXX with a {$300.00} Credit Limit. I did not ask for a {$500.00} Credit Increase I did not Approve a {$500.00} credit increase I did not Receive a {$500.00} credit increase the Credit card I have ending in XXXX is {$300.00} Credit Limit. I never asked, Received, Approved a {$500.00} Credit limit. XXXX XXXX XXXX Approved these transactions without my permission, I am being charged for a Credit Card with a {$500.00} Credit Limit, I never Asked, Approved, Received. After being Charged {$900.00} after the account was closed my, Information was sold to a 3rd party Debt Collector Resurgent who is associated with this Company/Organization, the Debt was charged up to {$900.00} dollars instead of a {$1000.00} anything {$1000.00} and above is Federal the tactic used in this measure is very unprofessional and have a life impact on me and many others in the world. I am not Responsible for a {$900.00} Debt that i did not Accrue have Access to Approve or Receive. I tried reaching out to XXXX XXXXXXXX XXXX after talking to them and explaining in a respectful manner its the same process representative hangs up on you while talking, I call back then you get an apology, i called today XX/XX/2023 hung up on me once she pulled up my account, The tactics this company uses is very unprofessional my my personal Data /Information is being used for profit without my knowledge.
Company Response:
State: MN
Zip: 55119
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I pulled my credit reports recently. I found that LVNV funding was listing collections with three credit bureaus. I have not received any documentation or phone communication from this company regarding a balance owed.
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I XXXX XXXX, asking for verification and validation on this collection account.
Company Response:
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV Funding LLC Parked an illegal debt collection on my consumer reports account # XXXX and account # XXXX with out giving me notice that i have the right to dispute the debt? no notices at all. LVNV Funding LLC decided for me. Just parked an allege debt collection.
Company Response:
State: CA
Zip: 90230
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: LVNV FUNDING LLC INTENTIONALLY PROVIDED FALSE DATA TO THE CIVIL COURT OF THE XXXX XXXX XXXX XXXX TO PROCEED WITH A LAWSUIT. LVNV FUNDING LLC IS ENGAGING IN ILLEGAL ACTIVITY, FALSIFYING DATA IN REGARDS TO SERVING A SUMMONS.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: After XX/XX/, I was repeatedly called by XXXX XXXX XXXX XXXX XXXX, and requested a cerified copy of the the actual debt. However, they have denied that request. They have sent what looks like a bill a few times. Last time they called was XXXXXXXX XXXX XXXX. They claim I owe {$750.00}. I have not called them back, I have visited their website, to see if it was real, as well as XXXX search on it. I am going to see about posting their number to a few websites so that their phone number becomes unavailable, anymore.
Company Response:
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Re : Cease and Desist Letter Pursuant to 15 USC Dear XXXX XXXX I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into. It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities. I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law. I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions. 2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question. 3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation. 4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law. Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages. This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law. I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. Sincerely, All Rights reserved XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Signature on file
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Since XXXX I have been fighting this company and they seem to ignore FCRA law and just tell XXXX it's accurate data without providing contract documentation. I have sent multiple requests with no contractual proof. They are an unethical company. They act on behalf of Resurgent Capital whom I also requested contracts and they did not provide any as well.
Company Response:
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Since XXXX I have been fighting this company and they seem to ignore FCRA law and just tell XXXX it's accurate data without providing contract documentation. I have sent multiple requests with no contractual proof. They are an unethical company. They act on behalf of Resurgent Capital whom I also requested contracts and they did not provide any as well.
Company Response:
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A