Date Received: 2022-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Re : Validation Notice Ref : # XXXX {$980.00} Whereas 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, and ; Whereas there is no evidence of prior consent for this communication. Whereas there is no evidence of permission of a court of competent jurisdiction offered and can not be valid without verifiable proof that the alleged consumer is subject to such jurisdiction. Therefore a debt collector may not communication with an alleged consumer in connection with the collection of any debt and must cease desist this frivolous action by exclusion of all accounts. LVNV Funding and its fFailure to comply will result in a petition to launch an investigation into the deceptive business practices. I have given LVNV funding 30 days allotted by law to provide verifiable proof and they have yet to do so.
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, these accounts listed below have violated my right to full disclosure that these so called debt collectors prove that I, XXXX XXXX XXXX am a debtor. The credit bureaus have been slow and neglectful to remove such accounts and have ruined my finances. 15 USC 1681sec. 602 A states I have a right to privacy. 15 USC 1681 sec. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written consent. XXXX XXXX, XXXX {$2300.00}
Company Response:
State: NY
Zip: 13760
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX CirXXXX XXXX XXXX
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
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 # XXXX, XXXX # XXXX, Lvnv funding LLC # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX # XXXX, Lvnv funding LLC # XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX, # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXXXXXX / XXXX XXXX XXXX # XXXX # XXXX, Lvnv funding XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX bank # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX in company # XXXX XXXX # XXXX, XXXX # XXXXHas violated my rights.15 u.s.c 1681 section 602 A.states I have the right to privacy. 15 u.s.c 1681 section 604 A section 2 ; also states a consumer reporting agency can not furnish a account Without my written instruction.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Im XXXX someone used my name and personal information to open a XXXX XXXX account I did not find out until mid XXXX when I was declined for mortgage
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I just ( XX/XX/22 ) received a letter from my employer about wage garnishment that will start on XX/XX/22. That I had no idea about any type of legal action against me.. And the amount that are wanting to garnish will ultimately cause me to not be able to pay my mortgage and the needs of my children..
Company Response:
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Between in 2018 my identity was stolen through XXXX XXXX. There were multiple accounts in my name. Every time I would call to close the account due to fraudulent activity, the new account was compromised also. I would like LVNV FUNDING LLC to remove the amount of {$800.00} from my credit. in which they are claiming I opened on XXXX. And the amount of {$1400.00} from my credit, the date they are claiming I opened the account is XXXX.
Company Response:
State: AR
Zip: 72209
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Company Response:
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX balance {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported XXXX XXXX balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle Portfolio Recovery balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle LVNV FUNDING LLC balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A