Date Received: 2023-10-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections and they did not provide me with the original contract as I requested. This same account has been removed from my other credit profiles XXXX and XXXX due to this information being wrong and inaccurate please remove this account from my credit profile. The account fingerhut is still listed on my report as well two of the following are both showing on my report how can a debt that is being claimed to be owed showing twice on one report this is against the law remove both reports from my file I did not give written notice or consent.
Company Response:
State: FL
Zip: 32308
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: fraudulent accounts and identity theft and harassing and threatening phone calls to myself and my family
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: on XX/XX/2023 I contacted ( on a recorded line by both parties ), LVNV Funding LLC in regards to an account ending in XXXX reference ID : XXXX reporting on my consumer report. 1.there were inaccurate incomplete information being reported. i asked the representative to send me a debt validation letter. The representative agreed and after receiving the validation letter. the information being reported is still incomplete inaccurate information. pursuant to 15 U.S. Code 1692e - False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. 2.also there was no written agreement made by me for LVNV Funding LLC to have my information be seen by a third-party ( Resurgent Capital Services ) . the creditor reporting the information should be the one managing the account. XXXX different companies have had my information on my account. the original creditor XXXX XXXX XXXX, debt collector LVNV Funding LLC, and resurgent capital services. there is also XXXX XXXX XXXX with my information. i also spoke with XXXX XXXX XXXX representative on the phone which was also recorded by both parties. pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general ( 2In accordance with the written instructions of the consumer to whom it relates.
Company Response:
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The XXXX major credit bureaus have this account on my credit and i haVE BEEN AT LEAST A YEAR OR MORE WRITING MANY LETTERS TO Them TELLING THEM ITS not MY ACCT, They refuse to help me or take the acct off my credit reports. LVNV {$590.00} XX/XX/21
Company Response:
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: CFompany keeps sending monthly statement, which doesnt validate the claim
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXXLVNV Funding LLC is emailing to attempt to collect a debt that is too old to be collected. They don't have any information on the account other than my name and email and 4 digits of the account. Additionally, they are acknowledging that they are not allowed to collect on this debt, but they are trying anyway. XXXX XXXXXXXX Account number XXXX Email states " The law limits how long you can be sued on a debt. Because of the age of your debt LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit agency. '' This was originally an account with XXXX XXXXXXXX XXXX XXXXXXXX. account number ending in XXXX. The current creditor is LVNV Funding LLC with an account number ending in XXXX.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have recently been dealing with a company that collects for LVNV. This process has gone on for months. I have sent letters and letters for validation. After meeting with the plaintiffs attorney we set a court appearance For the trial The trial was set for XX/XX/2023 at XXXX XXXX. The plaintiffs attorney said they had mailed out for a change in the date I never received in mail the notice of change of date. The new date was set for the XXXX of XX/XX/2023. On that date the clerk of the court called and said we missed the date. At that point we told her we were ready for the XXXX of XXXX. I immediately sent a letter to the judge with no response. The amount due on the claim was {$1400.00}. While this claim was being validated they continued to try and collect. The next time they send a notice to pay the amount went up to {$150000.00}. I could not get an answer to why. Since we did not show on the new date a judgement was ordered. I firmly believe this action violated my 14th amendment for due cause. I should have been given the right to defend myself. I recently wrote to the judge referring my 14th amendment rights were violated. I have requested that the judgement be reversed. So now I am sending an affidavit to the court and a letter explaining the circumstance. While this is going on I receive a letter from Resurgent that they can't validate my claim. So now I have a judgement for something I don't owe. Resurgent, LVNV and the plaintiffs attorney are discussing and probably knew that all along. They most likely did not present it to the judge
Company Response:
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have recently been dealing with a company that collects for LVNV. This process has gone on for months. I have sent letters and letters for validation. After meeting with the plaintiffs attorney we set a court appearance For the trial The trial was set for XX/XX/XXXXat XX/XX/XXXX. The plaintiffs attorney said they had mailed out for a change in the date I never received in mail the notice of change of date. The new date was set for the XXXX of XX/XX/. On that date the clerk of the court called and said we missed the date. At that point we told her we were ready for the XXXX of XXXX. I immediately sent a letter to the judge with no response. The amount due on the claim was {$1400.00}. While this claim was being validated they continued to try and collect. The next time they send a notice to pay the amount went up to {$150000.00}. I could not get an answer to why. Since we did not show on the new date a judgement was ordered. I firmly believe this action violated my XXXX amendment for due cause. I should have been given the right to defend myself. I recently wrote to the judge referring my XXXX amendment rights were violated. I have requested that the judgement be reversed. So now I am sending an affidavit to the court and a letter explaining the circumstance. While this is going on I receive a letter from Resurgent that they can't validate my claim. So now I have a judgement for something I don't owe. Resurgent, LVNV and the plaintiffs attorney are discussing and probably knew that all along. They most likely did not present it to the judge
Company Response:
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Outstanding balance of XXXX from XXXX is not correct because card for website was not used in any purchasing Made dispute through XXXX XXXX twice. Did not receive any communication on results until XXXX XXXX was checked manually. Debt for amount owed has been sold to another company. Tried numerous time to reach out to current collector with no response back from company. No letter in mail has ever been sent to me or any other form of communication. No account statements with the company has been sent directly to me or via email. No other information other than what is stated on my XXXX XXXX report
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV/Resurgent XXXX XXXX XXXX is still reporting a fraud collection account on my credit reports, damaging my credit & scores! I lost XXXX points when I had a XXXX & growing higher! LVNV/Resurgent XXXX XXXX XXXX has responded to my CFPB complaint on XXXX, on the XXXX or XXXX of XX/XX/ with no legal proof this fraud account belongs to me! I requested in my 1st notice, provide all these legal documents, plus wet signature & original contract of this fraud account & they didn't, because IT DOESN'T BELONG TO ME!! LVNV can't provide true legal proof, & a summary of a computer generated account of fraud DOES NOT prove anything! An account summary or bill is NOT legal validation & this is breaking the laws! AGAIN I AM A VICTIM OF ID THEFT, SOME ONE HACKED MY CORPORATE BANK ACCT. INFO & MY EMAILS & MY OTHER BUSINESS ACCOUNT & OTHER PERSONAL INFO. I INCLUDED THE FTC REPORT IN THIS COMPLAINT! I'm including the original notarized notice, AGAIN! I also sent a copy certified mail to LVNV corporate office to the CEO & CFO! I SUGGEST LVNV ( XXXX ) Compliance Department Resurgent Capital Services L.P. READ THIS NOTICE AGAIN BECAUSE YOU ARE VIOLATED SO MANY LAWS, PLUS MY ABORIGINAL AMERICAN NATIONAL RIGHTS! 9THAT YOU CLEARLY KNOW NOTHING ABOUT OR THIS WOULD NOT BE OCCURRING AFTER MY NOTICE ) I AM ASKING YOU NICELY AGAIN TO REMOVE THIS FRAUD ACCT, FROM MY CREDIT REPORTS ASAP BEFORE I PROCEED WITH A LAWSUIT TO YOUR CORPORATION THAT WILL BE WAY MORE THEN THIS {$2000.00} OF THIS FRAUD ACCOUNT! I NEVER OPENED!!!!! HOW DARE YOU SEND A COPY OF SOME BILL SUMMARY OR ACCOUNT SUMMARY YOU GOT FROM THE ORIGINAL CREDITOR ABOUT THIS FRAUD ACCOUNT!! COPIED COMPUTERIZED INFO. WITH MY NAME ON IT, PROVES NOTHING, FURTHER MORE YOU DID NOT EVEN KNOW MY C/O ADDRESS BEFORE MY 1ST COMPLAINT ON XXXXXXXX & YOUR COMPANY JUST DRAFTED UP THAT FRAUD ACCOUNT SUMMARY AFTER YOU RECEIVED MY COMPLAINT WITH THAT C/O ADDRESS! I RECEIVED A COLLECTION LETTER AT MY CORPORATE OFFICE & THAT IS THE ONLY ADDRESS THIS ORIGINAL CREDITOR OF THIS FRAUD ACCOUNT COULD OF HAD ON FILE! SO STOP PRETENDING LIKE MY C/O ADDRESS, IS SOMETHING THAT HAS BEEN IN YOUR SYSTEM! YOU ARE A 3RD PARTY THAT PURCHASED INFORMATION OF A FRAUD ACCOUT IN MY NAME! & YOU ARE 3RD PARTY, I DID NOT GIVE AUTHORIZATION FOR MY PERSONAL AFFAIRS & VIOLATING MY PERSONAL CREDIT. YOU HAVE 2 MORE WEEKS TO REMOVE THIS FRAUD FROM MY CREDIT REPORTS OR I AM PROCEEDING WITH FURTHER LEGAL ACTIONS! I HAVE ALREADY SUBMITTED A COMPLAINT TO THE ATTORNEY GENERAL & US TREASURY COMMISSIONER! IF YOU THINK YOU CAN JUST IGNORE MY NOTARIZE NOTICE LIKE IT'S NOTHING, YOU BETTER THINK AGAIN, YOU CLEARLY DIDN'T UNDERSTAND THE VERBIAGE IN, MY 1ST NOTICE. I KNOW MY RIGHTS, YOU HOW EVER, CLEARLY DO NOT!! I WORKED TOO HARD FOR MY CREDIT TO DROP THIS MUCH OVER A FRAUD ACCOUNT THAT DOES NOOOOOT BELONG TO ME!!!! I HAVE ENCLOSED THE ORIGINAL NOTICE ONCE AGAIN FOR YOU TO REVIEW & THIS TIME TAKE SERIOUS BEFORE IT'S TOO LATE! PLEASE, DO THE RIGHT THING, BEFORE THIS MATTER GOES ANY FURTHER! I AM THE ONE THAT IS THE VICITM, IN YET IM BEING PUNISHED FOR SOMETHING I DIDN'T DO & NO, YOU WILL NOT GET AWAY WITH VIOLATING MY RIGHTS! THANK YOU VERY MUCH!
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A