Date Received: 2023-09-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was checking my credit report today on XXXX XXXX, and, a collections account had been opened by LVNV Funding, LLC, in XX/XX/, however, I have never received any mail regarding this collection account from LVNV Funding, LLC, nor, regarding any information about the account, nor information about disputing the debt, etc. I literally have received no mail from this company whatsoever regarding this account.
Company Response:
State: NH
Zip: 035XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have reached out to RESURGENT/LVNV FUNDING in regards to inaccuracies on my credit report XXXX this is the account number provided. I have received no response to my request for original information from the creditor themselves, also all account information including payment information and wet signature used to establish this account. I have explained to the company I have been a victim of identity theft and they have not taken the proper action. I would like this item removed from my credit report.
Company Response:
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am filling another complaint to provide an update regarding my previous complaint, filed under reference number XXXX in XX/XX/2023. Despite the initial response from the company in XXXX, wherein they assured me that they were not reporting the account in question and agreed to provide validation while ceasing further communication, I regret to inform you that the situation has taken a turn for the worse. To my dismay, I have recently discovered that the company has chosen to report an invalid account to the credit bureaus, resulting in further damage to my already compromised credit file. This action is a clear violation of their previous commitment, as well as a breach of my consumer rights under the Fair Credit Reporting Act and other applicable laws. I am deeply concerned about the consequences this unauthorized reporting will have on my financial well-being and creditworthiness. It is evident that my civil rights have been violated, and I am left with no choice but to escalate this matter further if a satisfactory resolution is not reached promptly. I deeply value your commitment to ensuring fair and accurate credit reporting. However, it is disheartening to witness the ongoing harm to my credit file despite the assurances provided by the company. I trust that you will take swift and decisive action to rectify this situation and safeguard my rights as a consumer.
Company Response:
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As of right now the following the companies are reporting income to the three top credit reporting agencies XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, Resurgent Capital Services XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Lending Club Income is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload. And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that 1099c is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the six ( 6 ) 1099c 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt 1099C is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. thank you.
Company Response:
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, I am writing this complaint in regards to LVNV funding LLC. This complaint is in regards to fraudulent charges, and defamation of my character. I have two accounts that is currently tarnishing my reputation. One in the total amount of {$360.00} for XXXX XXXX XXXX, and {$270.00} for XXXX XXXX. This alleged debt has yet to be validated. Please keep in mind the difference between validate and verify. I received a copy of statements in attempt to validate debt. As defined a statement is an alleged debt, and statements along with a contract is also defined as hearsay. I already have two reports of this account tarnishing my consumer report. LVNV has also obtained my information illegally, which is an infringement upon a consumers privacy. According to 15 USC 1692c ( b ) 3rd parties do not have consent to communicate with consumer. There is also no law that states consumer owes debt. So called debts are obligations of the corporation that is the United States. This is stated in 15 USC 1601. Also Keep in mind I did not receive any IRS form 1099-c cancellation of debt/ reporting collections/ late payments/ charge offs. Which is also Tax fraud from LVNV. Transactions reporting as late/ collection/ charge-off/ and any other derogatory information is also a violation. I demand that both accounts deleted from my consumer reports effective immediately. Please
Company Response:
State: NY
Zip: 10451
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to formally dispute the presence of a fraudulent account on my credit report. The fraudulent Please conduct a thorough investigation into this matter and remove the fraudulent account from my credit report as soon as possible. It is imperative that my credit report accurately reflects my credit history and financial standing. the following accounts do not belong to me LVNV Funding LLC, LVNV Funding LLC. I am unsure in the exact time these accounts appear on my credit report.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My problem is that they are direct violation 15 is code 1692 g. # 2 never received a letter describing to me the validity of there debt # 3 never received written permission from me # 4 I never received a dunning letter on my credit report before they reported it which is XXXX dollar violation fcra they never got permission to discuss my files from the original creditor which is a privacy code violation they are reporting stuff negatively which alone is a violation and without notifying me they XXXX XXXX {$930.00} XXXX yr XXXX month old debt XXXX XXXX XXXX XXXX XXXX {$430.00} never was notified about this {$410.00} XXXX XXXX all these never received anything in writing from Lvnv
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had fraud on the account filed a a police report and fingerhut refused to investigate they just charged it off and sold the debt to LVNV Funding LLC. Now there trying to collect on debt thats not owed
Company Response:
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Opened XXXX XXXX LVNV FUNDING LLC {$430.00} My personal information was sold to this company and that is a violation to my FBRA rights
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: My dad was contacted via email ( XXXX is part of his email ) today with credit collection information that contained private information about the debt collection to his email. I have never received an email on my email about this or anything. Yet somehow they used an email with family members name in email to contact me while talking about the debt and debt collection and also threatening legal action. Under the act they should never sent the email to my father Im XXXX XXXX XXXX and live in another state plus never used that email ever. But they falsely sent that email I have pic from XXXX about it with a lot of private info that is against the law to share with family members. Below is attachments from messenger that my father who owns email sent me
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A