Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 1. Creditor Name : XXXX XXXX XXXX Open date : XX/XX/XXXX Original creditor name : XXXXXXXX XXXX XXXX Open Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX dollars 2. Creditor Name : LVNV FUNDING LLC Open date : XX/XX/XXXX Original creditor name : XXXX XXXX XXXX XXXX Open Balance : {$840.00} XXXX XXXXXXXX XXXX XXXX dollars I haven't the clue of were these came from are what they are, but they are on my credit report. These are all Fraudulent collections. I'm the victim of identity theft and all documents will be submitted below.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
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. Under 15 USC 1681 Section 604a Section 2 states that a consumer reporting can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account as late for any purpose. I have asked that this derogatory error be corrected and removed from my credit file immediately. Failure to do so when show malice intent to continue to violate my rights under the FCRA.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
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: 34654
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt doesnt belong too me this is the result if identity theft and i demand that it be removed immediately
Company Response:
State: MI
Zip: 48154
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I Was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : The reporting of these accounts ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device :
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Complaint Against LVNV Funding LLC ( Account Number : XXXX ) I have taken several steps to resolve this matter directly with LVNV Funding LLC and its affiliate, XXXX XXXX XXXX XXXX but they have failed to validate the debt and provide the necessary documentation, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The details of the complaint are as follows : I do not owe any money to LVNV Funding LLC or XXXX XXXX XXXX, nor do I have any contractual agreement with these companies. Despite this fact, they have been attempting to collect a debt that is not legitimate. I have sent multiple letters to LVNV Funding LLC requesting information about the alleged debt, including documentation that proves its validity. However, they have not provided me with any clear and accurate information regarding this debt as required by the FCRA and FDCPA. LVNV Funding LLC 's actions have negatively affected my credit report and financial well-being. Their failure to validate the debt and provide the necessary documentation has caused unwarranted stress and financial hardship. I believe that LVNV Funding LLC 's actions are not only unethical but also illegal under federal law. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the situation. Specifically, I request the following remedies : a. An investigation into LVNV Funding LLC 's debt collection practices, specifically related to my case. b. A requirement for LVNV Funding LLC to provide clear and accurate documentation validating the alleged debt within the confines of the FCRA and FDCPA. c. Removal of any negative information related to this unsubstantiated debt from my credit report. d. Appropriate penalties or sanctions against LVNV Funding LLC if they are found to have violated federal consumer protection laws. I have enclosed copies of all relevant correspondence between myself and LVNV Funding LLC, including copies of the letters I sent to them requesting debt validation. I appreciate your attention to this matter and your commitment to upholding consumer rights. Please do not hesitate to contact me if you require any further information or documentation to proceed with this investigation. Thank you for your prompt attention to this complaint.
Company Response:
State: PA
Zip: 17201
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: These guys need a legitimate investigation not just asking them. Look at the reviews countless people who had balances of {$600.00} which were jacked up over {$2000.00} after this company purchased their debt. my account personal went from {$600.00} to {$850.00}. i reported them to you guys, included account details, then it went up even further now its {$950.00}. account has been closed for over 3 years. they've repackaged and sold debts that were paid and represent those debts as unpaid to purchasing parties. please investigate these guys. they call themselves lvnv but also seem to take payments as resurgent capital services.
Company Response:
State: SD
Zip: 57702
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: I've had repeated emails from them asking for me to pay a collection that does not exist. I spoke to the original creditors ; I believe they are going to remove it. Yet this third party is trying to collect the debt.
Company Response:
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding Account # : XXXX /LVNV Funding LLC Account # : XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. I have recently been informed that there is TWO negative claims reported by LVNV Funding Account # : XXXX XXXXLVNV Funding LLC Account # : XXXX for the SAME account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$260.00} Charge-Off on with major inaccurate information and it is affecting my report. How is this accurate if the term duration is inaccurate, no reported monthly payment amount, date opened is inaccurate, the account type is inaccurate, credit limit amount is inaccurate, past due amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I am now formally requesting method of verification according to the XXXX XXXX Compliance standards. Any automated response, or XXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by LVNV. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. Certified Mail USPS Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi, XXXX is reporting fraud information on my credit report from a 3rd party company LVNV FUNDING LLC which is violating my rights. I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my credit score drop XXXX points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much XXXX points!! This is hurting my goals of buying my 1st home & new car! Im so devastated & need XXXX & or the company to remove this fraud immediately from my credit report. Both LVNV FUNDNG LLC XXXX XXXX are violating my rights & breaking the law. I have uploaded supporting docs. Thank you
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A