Date Received: 2023-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Lvnv funding is inaccurately reporting on my credit that {$960.00} is owed. I have never done business with this company. Please remove
Company Response:
State: NV
Zip: 89120
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.
Company Response:
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV FUNDING LLC is reporting a derogatory account transaction on my credit report without any written consent from me. I have never done business with the company not signed any contracts with the company. The company 's actions have damaged my credit rating and affected my household 's access to credit.
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: THEY DID NOT SEND ME NO INFORMATION ABOUT THE ACCOUNTS AND THE ONES THAT WAS IMPROPER INFORMATION DID NOT FIX!
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am formally complaining against LVNV FUNDING LLC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any XXXX party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). I have never done any business with LVNV FUNDING LLC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. I have contacted LVNV FUNDING LLC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that LVNV FUNDING LLC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In regard to credit monitoring services via XXXX, A data breach was initiated. This caused inaccuracies to appear on my report creating a financial hardship regarding any credit services. XX/XX/2023 I filed a claimed, in regard to the breach.
Company Response:
State: CO
Zip: 80918
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1.LVNV Funding LLC balance {$940.00} no action was taken by the company XXXX balance {$750.00} no action was taken by the company XXXX ) XXXX balance {$1100.00} no action was taken by the company XXXX ) XXXX XXXX XXXX balance {$280.00} no action was taken by the company XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$230.00} no action was taken by the company
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1XXXX XXXX XXXX balance {$940.00} no action was taken by the company 2.PYOB balance {$750.00} no action was taken by the company XXXX ) XXXX XXXX {$1100.00} no action was taken by the company 4 ) XXXX XXXX XXXX balance {$280.00} no action was taken by the company 5 ) XXXX XXXX XXXX XXXX balance {$230.00} no action was taken by the company
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan, as late for any purpose.
Company Response:
State: CT
Zip: 06067
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A