Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have recently checked my credit report and have realized that LVNV FUNDING LLC has put a collection account on my credit report and is reporting a past due balance and late payments onto my credit report. In the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. LVNV FUNDING has marked my this account as a late payment on each and every one of those months. This account can not report late payments on my credit report. Last time I checked I didn't have an established due date with this collection therefore how can there be multiple late payments. I have NEVER AGREED to pay this collection. We never signed a contract or a verbal agreement ever. If you dont have a contract or have received an application from me and have not approved me for credit you can not assign me a due date nor a late payment or a past due balance. This is a violation of the FAIR DEBT COLLECTIONS PRACTICE ACT- section 807 violation misleading false reporting.
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 a state I have the right to privacy 15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish a account with out written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plain as late for any purpose
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The creditor XXXX was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/2022 After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today XXXX has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXXXXXX violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. Account # XXXX {$140.00} {$560.00}
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account lised under Lvnv Funding LLC, XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continued to reflect on my credit report and I have not received any correspondendence from creditor to vaildate this account as correctly belonging to me, nor has my credit report been no updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on my on my report. I do not believe the account belongs to me nor do I believe that the Creditor has authorization to access the account nor authorization to attemp to collect on the account and the account continues to negatively affect me. Please strike and remove this accounts from all 3 Credit Bureaus until adequate vaildation has been received proving that the account belongs to me and all information is correct.
Company Response:
State: OH
Zip: 43223
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with fair credit reporting act convergant account LVNV Funding LLC. Original creditor XXXXXXXX XXXX XXXX. Have violated my rights. 15 USC 1681 section 602 : states that i have the right to privacy. 15 USC section 604 A Section 2 : also states a consumer reporter agency can not furnish an account without my written instructions.
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: the alleged debt from XXXX XXXX was sold to a 3rd party " RESURGENT ACQUISITIONS, LLC '' without my permission, and I have been contacted several times via email and text message by the 3rd party " debt collector ''. they are harrasing me and using abusive words such as " debt '' and " owe ''.
Company Response:
State: NJ
Zip: 07008
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services has been sending me letters for months attempting to collect a debt that is not mine. The debtor has the same name as me, but the address is different and I am in no way affiliated with this debt. I have phoned 4 times and sent cease and desist letters asserting that they have the wrong person and to stop contacting me. Despite 7 phone and mail requests, the company continues to send me the same collection letters. The company has confirmed that the address and email address associated with the account is not mine. They will not stop contacting me. Resurgent Capital Services Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ID : XXXX They have also contacted me for this debt under XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV Funding LLC did not contact me about the alleged debt that they placed for collection on my credit report with the XXXX credit bureaus ( XXXX, XXXX, and XXXX ). I did not receive any notice from them that would allow me to dispute the debt in question and though I have tried to contact them I've noticed recently, after reviewing my credit reports from XXXX, XXXX, and XXXX, that the address on file with each reporting agency is different. This is a clear violation of my rights as a consumer.
Company Response:
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV funding LLC place an alleged debt for collection on my credit report. They did not contact me and provide me my federally protected right to dispute this alleged debt. I have tried to contact them, but noticed recently, after reviewing my credit reports from XXXX and XXXX that the address on file with each of the credit reporting agencies is different. This is a clear violation of my rights as a consumer under the FDCPA.
Company Response:
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Im accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A 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: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A