Date Received: 2023-10-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX has 2 accounts reported on my behalf to the credit bureaus. One account is approximately {$2700.00}. The account was disputed in XXXX of XXXX. The account was removed, however it has appeared back on my credit report. I am requesting debt validation. If the debt can not be validated, it should be removed from all three credit bureaus.
Company Response:
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
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 have been disputing this account for several years. I have asked this company to provide me with any documentation that shows how this loan was obtained and they NEVER send me anything. Only generic documentation about all of their loans. Nothing about me personally. Nothing with my information on it. Nothing showing that the loan is mine or obtained by me. I have been asking for this information for years and they still have yet to provide me with any documentation. I have tried to dispute this through the credit bureau, and they state that the account is verified yet no one is sharing validation of this account. This is frustrating because no one is able to share validation of an account they are claiming was open on-line by me.
Company Response:
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
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 have been disputing this account for several years. I have asked this company to provide me with any documentation that shows how this loan was obtained and they NEVER send me anything. Only generic documentation about all of their loans. Nothing about me personally. Nothing with my information on it. Nothing showing that the loan is mine or obtained by me. I have been asking for this information for years and they still have yet to provide me with any documentation. I have tried to dispute this through the credit bureau, and they state that the account is verified yet no one is sharing validation of this account. This is frustrating because no one is able to share validation of an account they are claiming was open on-line by me.
Company Response:
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: The company LVNV funding lll in the amount of {$480.00} is reporting as a collection/charge off I have asked for them to remove it, or provide me with my authorization or signature proving this is my debt and have had no response. I would like it completely removed off my credit report as it is affecting me financially and I am trying to build my credit and they refuse to help!
Company Response:
State: WV
Zip: 26505
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, LVNV FUNDINGS LLC I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXXXX/XX/XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by LVNV FUNDINGS LLC. Furthermore LVNV FUNDING LLC has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Around XX/XX/2023, I submitted a debt validation request, which was received and acknowledged by someone at the offices of Resurgent This address had previously been confirmed through prior correspondence with the company. According to my records, I made the following requests, with a specified deadline of 15 days : 1. Details regarding the amount claimed to be owed by the Respondent. 2. A breakdown explaining the calculation of the said amount. 3. Copies of any documents that demonstrate my agreement to pay the alleged amount. 4. Identification of the original creditor. 5. Confirmation that the account is still within the statute of limitations ( SOL ) period. 6. Proof of your status as a licensed debt collector. 7. Evidence of your license numbers and registered agent. 8. The original contract bearing a wet ink signature. However, despite the aforementioned date, I have not received any communication from your agency or company. As per my notice, if your agency/company fails to respond to this debt validation request within ten ( 10 ) days from the date of receiving my notice and affidavit, I insist that all information related to this account be promptly removed from my credit report. Furthermore, a copy of the deletion request should be sent to me immediately, or I will be left with no choice but to pursue legal action. I strongly demand the removal of this information from my credit report, and if necessary, I will not hesitate to take legal measures.
Company Response:
State: FL
Zip: 34952
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Around XX/XX/, I submitted a debt validation request, which was received and acknowledged by someone at the offices of Resurgent Capital. This address had previously been confirmed through prior correspondence with the company. According to my records, I made the following requests, with a specified deadline of 15 days : 1. Details regarding the amount claimed to be owed by the Respondent. 2. A breakdown explaining the calculation of the said amount. 3. Copies of any documents that demonstrate my agreement to pay the alleged amount. 4. Identification of the original creditor. 5. Confirmation that the account is still within the statute of limitations ( SOL ) period. 6. Proof of your status as a licensed debt collector. 7. Evidence of your license numbers and registered agent. 8. The original contract bearing a wet ink signature. However, despite the aforementioned date, I have not received any communication from your agency or company. As per my notice, if your agency/company fails to respond to this debt validation request within ten ( 10 ) days from the date of receiving my notice and affidavit, I insist that all information related to this account be promptly removed from my credit report. Furthermore, a copy of the deletion request should be sent to me immediately, or I will be left with no choice but to pursue legal action. I strongly demand the removal of this information from my credit report, and if necessary, I will not hesitate to take legal measures.
Company Response:
State: FL
Zip: 34952
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: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This account was charged off by the original collector whom their company owes me a 1099 by law due to this alleged debt being over {$600.00} as law states which means how can this company collect on debt that has absolutely been paid for due to a charge off with taxes. Also, in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, account number XXXX and LVNV FUNDING LLC 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.
Company Response:
State: FL
Zip: 32308
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter stating my name from the dept collection agency that I need to pay {$7000.00}. Which is I never open this account. Original Creditor : XXXX XXXX XXXX Current Owner : LVNV funding LLC Reference no : XXXX Balance : {$7000.00} Thanks Again XXXX XXXX.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A