Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$670.00} LVNV FUNDING LLC XXXX XXXX XXXX {$450.00} XXXX XXXX XXXXXXXX - {$150.00} XXXX XXXX XXXXXXXX - {$150.00} On XX/XX/ I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like XXXX being take advantage of and ignoredonmydisputes.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Resurgent/LVNV FundingXXXX XXXX , this company has two accounts on my credit report and I have no responsibilities to this company. I do not have an account with this company and without any notices, this company placed negative marks on my credit report. I do not know this company and never had any business with this company. Date : XX/XX/XXXXXXXX updated on my credit report {$460.00} Date : XX/XX/XXXXXXXX {$660.00}
Company Response:
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The account with XXXX XXXX has numerous fraudulent charges made to it from XXXX XXXX Bank.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Company Response:
State: PA
Zip: 18201
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: this company has already been sued by the state of Maryland for fraudulent practices when trying to collect old debt and they will not remove themselves from my credit report. case # XXXX
Company Response:
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company hit my credit report with a collections on XX/XX/XXXX. They did this without ever talking to me directly and verifying who I am, and they did this without validating and proving the debt as mine. They say I owe {$570.00} to XXXX XXXX because apparently I opened an account XX/XX/2023 ( that's what they put on my credit report ) even though I've been using XXXX XXXXXXXX XXXX for over a year. Why would I open a second electricity account when my first one has always been in good standing? This account is either 1. ) not mine or 2. ) reported with inaccurate or incorrect information.
Company Response:
State: TX
Zip: 77566
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2023 received a letter stating I owed money for an account. XX/XX/2023 I sent them a debt validation letter cease, synthesist, creditor, debt collector declaration requested information pursuant to the fair debt collection practices. XX/XX/2023 they sent me a letter regarding my inquiry and once again attached a single page of alleged statement and that's it. XX/XX/XXXX I sent them another letter stating that the simple piece of paper was not adequate verification, and that pursuant to the fair debt collection practices they have not fulfilled their end of the agreement. I again sent them a debt validation, letter creditor, debt collector declaration, and requested information, requesting a signed agreement that I have made with the debt collector any agreement that bears my signature and the agreement that grants them the authority to collect this alleged debt.
Company Response:
State: IL
Zip: 613XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX Re : Formal Complaint Against LVNV Funding LLC Dear Sir or Madam, I am submitting a formal complaint against LVNV Funding LLC due to their deceptive collection practices and violations of my rights under the FDCPA and FCRA. Last year, XXXX XXXX XXXX, acting on behalf of LVNV Funding LLC, contacted me regarding an alleged debt, which I immediately disputed via priority mail and email. However, they failed to respond or provide any evidence of the alleged debt. Despite their failure to validate the debt, I recently discovered that LVNV Funding LLC has persistently continued to report the invalidated collection on my credit, which is a direct violation of federal law. These actions constitute unlawful debt collection practices in violation of the FDCPA and the FCRA, and there is a history of complaints and lawsuits against these agencies for deceiving and abusing consumers like myself. I respectfully request that appropriate fines be imposed and the immediate removal of the invalidated collection from my credit reports. I have attached copies of my credit reports, the dispute letter, email, and USPS tracking proof to show that they received my dispute for your reference. Your assistance in safeguarding my rights under the law and preventing these individuals from causing further harm to consumers is greatly appreciated. Thank you for your attention to this important matter. Sincerely, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, NJ XXXX
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent XXXX and LVNV Funding letters, and documents of proof that the account is not mine. I have also let LVNV funding now that the address that they are reporting on the account is not mine. I have never lived there. Its not reported on my credit report because its not an address associated with me. I have let them know this multiple times along with cinnamon documentation that shows my actual signature along with me stating that my information was stolen years ago. That includes my Social Security, my ID and a lot of other important documentation, including my birth certificate. This account was open without my knowledge which is fraudulent, and it needs to be removed from my credit immediately.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The debt has been reaged multiple times.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A