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: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33713
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to delete the following information in my file. The item ( XXXX ) I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge, I ask that the item ( XXXX ) are deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item ( XXXX ) as soon as possible.
Company Response:
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX number ( XXXX ) XXXX Phone number ( XXXX ) XXXX Subject : I- Request for Documentation in Compliance with CFPB Debt Collection Regulations II- Request for Documentation in Compliance withFair Debt Collection Practices Act ( FDCPA ) III- Notice of Formal Dispute In accordance with the Fair Credit Reporting Act it is my belief that among many issues depicted below you LVNV Funding LLC have violated my rights under 15 USC 1681 602 states I have the right to privacy pursuant to 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b LVNV Funding LLC may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. In accordance with Disclosures to consumers [ 15 U.S.C. 1681 et seq, I request that the information regarding this account be Verified by LVNV Funding LLC with ALL documents requested below or Removed Information on file ; sources ; report recipients. Pursuant To Fair Credit Reporting Act, 15U.S.C. 1618 et seq, I am requesting that the information regarding my personal information and accounts disputed be verified Or REMOVED from my credit report Pursuant to FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you LVNV Funding LLC are required to provide me ALL relevant information Documentation and proof gathered during your investigation Pursuant to FCRA section ( a ) ( 6 ) ( b ) ( ii ) if you choose Not to remove this disputed information than you are required to provide notice of your decision and include ALL documents used during the investigation LVNV Funding LLC Repeatedly Refused to verify this debt LVNV Funding LLC Repeatedly invaded my privacy by unjustifiably intruding into my personal life without my consent LVNV Funding LLC has Repeatedly, unjustifiably, intentionally deformed my character in public LVNV Funding LLC has violated federal law by improperly using my personal information in my credit report LVNV Funding LLC has Threatened to ruin my life and my reputation by keeping this collection in my credit Dear LVNV Funding ( LLC ) Account # XXXX I am responding to your many contacts about a debt you are trying to collect You have repeatedly contacted me and demanded that I pay {$540.00} As it shows below ( per my credit report ) Experian credit report : Prepared For XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX LVNV FUNDING LLC {$540.00} Account name LVNV FUNDING LLC Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$540.00} past due Status updated XX/XX/XXXX Balance {$540.00} Original balance $ XXXX Monthly payment - XXXX Past due amount {$540.00} Terms 1 Month Responsibility Individual Dear LVNV FUNDING LLC Please supply the information below By Law you are required to report negative personal information with Maximum Accuracy ****Pursuant to 15 usc 1692g Please Provide proof and ALL documentation for your in depth investigation on this Inaccurate information/Account or Remove it from my credit report Immediately, Including but not limited to : 1- My signature on the contract for this debt 2-Chain of title for this debt 3-Chain of title that gives LVNV FUNDING LLC legal authorisation to collect on this debt 4-Detailed list of the payment history made by me on this account 5-Any and ALL insurance claims filed on this debt 6- Original signed contract that shows I am responsible for this debt 7-My credit application for this debt 8-Provide verification and documentation about why this is a debt that I am required to pay To LVNV FUNDING LLC 9-Proof that you have the legal authority to collect on this debt 10- Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? The amount and age of the debt, including : 1-A copy of the last billing statement sent to me by the original creditor. 2-State the amount of the debt when you obtained it, and when that was. XXXX Have there been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. 4-In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 5-Have there been any payments or other reductions since the last billing statement from the original creditor, 6-provide an itemization showing the dates and amount of each of them. 7-Have there been any other changes or adjustments since the last billing statement from the original creditor? 8- Please provide full verification and documentation of the amount you are trying to collect. 9-Explain how that amount was calculated. 10- In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 11-Tell me when the creditor claims this debt became due and when it became delinquent and How and why 12-Tell me when you think the statute of limitations expires for this debt, 13 -Provide documentation that proves the statue of limitation and how you determined determent it Details about your authority to collect this debt. 1-Does your firm have a debt collection license from my state? If not, say why not. 2-If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 3- If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? 4-If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Pursuant to 5U.S.C. 552 a ( i ) ( 3 ) i am requesting this disputed item to be removed from my credit report Immediately Since you have failed to comply with 5U.S.C. 552 a ( i ) ( 3 ) by failing to maintain my records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall Not use such record LVNV FUNDING LLC FAILED and once again REFUSED to remove the account from my credit report even though they Failed to Validate it In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. ****Please Remove this debt from my credit report Immediately What would be fair Resolution 1- LVNV FUNDING LLC to provide all above described documents to validate this debt 2- If LVNV FUNDING LLC does not provide above documents to validate this debt LVNV FUNDING LLC to remove Immediately this negative improper inaccurate derogatory information from my credit report 3- LVNV FUNDING LLC be held accountable for - Inaccurate, false statement made in my credit report - Damaging my reputation with the derogatory statements- Punitive damages 4- LVNV FUNDING LLC be held accountable for refusing and failing to provide the above documents after my complaint with CFPB and responding to this complaint without resolving /validating / providing documents above described necessary to validate the debt 5- LVNV FUNDING LLC be fully investigated and held accountable for praying on senior citizens like myself defrauding senior citizens like myself and getting away with it by not providing the documents as required to validate the False/inaccurate debt Notice of Formal Dispute I am writing to formally dispute the amount of {$540.00} that you claim I owe. I am currently disputing the validity and accuracy of this debt and demand that you either provide all the necessary documentation as required by the Consumer Financial Protection Bureau ( CFPB ) and the Fair Debt Collection Practices Act ( FDCPA ), or DELETE the debt from your records. It is my believe that among other issues LVNV Funding LLC is in Violation of all below Underlined in Bold : Fair Debt Collection Practices Act ( FDCPA ) : Debt collectors must comply with the provisions outlined in the FDCPA, a federal law governing debt collection practices. It prohibits abusive, deceptive, or unfair practices and sets guidelines for communication, validation of debts, and disclosure of rights to consumers. Validation of Debts : Upon receiving a debt collection request, debt collectors must provide consumers with written validation of the debt. This validation should include details such as the amount owed, the original creditor, and information on the consumer 's rights to dispute the debt. Dispute Resolution : Debt collectors must provide a mechanism for consumers to dispute the debt and request verification. They must investigate and respond to consumer disputes within a reasonable timeframe. Prohibited Practices : Debt collectors are prohibited from engaging in certain practices, such as misrepresenting the debt amount, falsely implying legal action, or threatening actions they can not legally take. They must provide accurate and truthful information to consumers. ***I demand that you either provide ALL the above documents as per CFPB and Fair Debt Collection Practices Act ( FDCPA ) or DELETE the debt ***In the absence of providing the requested documentation, I demand that you DELETE the debt from your records and cease any further collection efforts associated with it. Please note that the CFPB regulations require you to provide the requested documentation within 30 days of receiving this written request. I appreciate your attention to this matter and your prompt response. If you have any questions or need further clarification, please do not hesitate to contact me at the phone number or email address provided above.
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The company LVNV Funding LLC refuses to provide the following information : 1. The proof that the contract does not pass the statute of limitations contract law california ( California is 4 years ) 2. The full contract with my signature that I am doing any business with LVNV 3. Provide me with ALL ORIGINAL DOCUMENTS, that show the proof of the balance, interest rate, DISCLOSURE FORMS, and my original signature on the contract. ( DO NOT SEND ME A VERIFY STATEMENT ). Anyone can make up a verified statement. 4. Did a lawyer review this collection account, you claim I owed? If yes, provide the document the lawyer signed. 5. The original documents LVNV Funding LLC has the right to obtain my information This is clear and precise for ALL the documents I am requesting. There has been a misunderstanding or comprehension problem on your side about my request. I hope this clarifies what I need from LVNV Funding LLC.
Company Response:
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
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 has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B 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: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX has reported two invalidated accounts on my credit report XXXX who is now in Dishonor for refusing validate an alleged debt which has been charged off. XXXX has refused to show proof of original creditor as well as ledgers proving this alleged debt was not funded by my consumer signature and social security number. 2.LVNV funding ( Resurgent ) XXXX XXXX XXXX XXXX XXXX Is in dishonor for refusing to validate or show any lawful contract in obligation to an alleged debt as well as XXXX XXXX XXXX XXXX Having any claim as original creditor by refusing to validate through proof of ledgers and proving consumer borrowed any lawful money and that it was not fraudulently created and funded through consumers social security card and or signature XXXX is also publishing false information of addresss and names XXXX XXXX XXXX XXXX XXXX XXXX not even a real person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was presented with hear-documents and no remedy to satisfy my request. Said company says I owe them a debt. I am simply asking for proof of said contract. Any and all tax accounting information.
Company Response:
State: TX
Zip: 782XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was presented with hear-documents and no remedy to satisfy my request. Said company says I owe them a debt. I am simply asking for proof of said contract. Any and all tax accounting information.
Company Response:
State: TX
Zip: 782XX
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: Account information incorrect
Consumer Complaint: I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to Resurgent/LVNV Funding. In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. Thank you for your cooperation and timely attention to this matter.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2023-10-25
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 Funding Sent a letter to stop reporting incorrect information on my credit report
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A