Date Received: 2022-03-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I just saw this DEBT BUYING company is constantly updating on my credit report. I sent LVNV a debt validation letter by way of the credit bureaus I asked for : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Familiarity with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that they own the debt with full clear title ( 8 ). Proof that they were on the original contract ( 9 ). Proof they are bonded in the state of Florida ( 10 ). Proof they are who they claim. They did not respond, so their account has to be deleted due to the violation and i asked for a cease and desist phone calls and letters. they are still contacting me ( violation 1 ) now its XXXX of XXXX, they sent me another letter by way of a process server. ( violation 2 ) Not only were they unsuccessful in serving me, they served my UNDERAGED nephew that was visiting my home. ( violation 3 ) They never sent me a dunning letter to begin with. ( Violation 4 ) This company is illegally soft pulling my credit report. They are in violation of the FDCPA ; i will be filing a compliant with the FTC, XXXX, AG, and others.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I am filing a complaint over XXXX debt collection cases in which I have been a victim of illegal and predatory debt collection practices perpetrated by the now defunct law firm of XXXX XXXX XXXX XXXX in New Jersey. My cases are # XXXX & XXXX ( XXXX XXXX, NJ ) In XXXX XXXX XXXX & XXXX and two of the firms partners, were named in a consent order ( 2016-CFPB-0009 ) issued by the Consumer Financial Protection Bureau ( CFPB ) to stop churning out unfair and deceptive debt collection lawsuits based on flimsy or nonexistent evidence. The consent orders bar the companies and individuals from illegal practices that can deceive or intimidate consumers, such as filing lawsuits without determining if debts in question are valid. The consent order was issued in conjunction with a stipulation signed by the law firms partners acknowledging their agreement to the facts upon which the consent order was based and issued. The alleged debts in both of the cases Ive listed here are part of the reorganized law firms alleged continued improper practices, and both cases were filed during a five-year period of compliance monitoring indicated in the consent order, effective the date of the consent order, during which time the law firm was required to produce specific documentation and other filing requirements every time they filed suit, and they did not do so in either of these cases ( see item # 44 on page 18 of the Consent Order ). In both cases, plaintiffs counsel knew that I had moved away, but improperly filed suit in New Jersey, knowing I would not only NOT get served, but I would not likely make an appearance. I only learned of these matters because the subsequent default judgements were discovered during a Title Search conducted while I was preparing to sell my house in New Jersey. I immediately filed motions to vacate in both cases, arguing improper service and lack of jurisdiction. In one of the cases, plaintiff 's counsel ( the decedent firm of XXXX XXXX XXXX ) filed several motions arguing against my motion to vacate and the presiding judge agreed to oral arguments on the matter. Appearances in this matter were all held remotely, due to COVID, but because I was a pro se defendant ( and despite filing everything electronically ), my notice with instructions for how to log in for the appearance was mailed to me instead of emailed. Because it's just my luck, I was away for a work conference when the notice was mailed and would not be returning until the day AFTER the oral argument. I called in to the Court that morning, and even left a message for the presiding Judge indicating that I never received the instructions for how to join. Nobody in the clerks office seemed to know how I could join. So, of course, they marked me as a no-show, and my motion was denied. What the Judge didnt know was that I had recently received additional information from a colleague at the law firm where I was working which alerted me to this CFPB consent order and that I was prepared to bring up during these oral arguments as a reason to have the judgement invalidated, because XXXX had very obviously ignored the filing requirements outlined in the consent order, which they were still bound to operate under until XX/XX/2021. Marked as a no-show for the oral arguments, the judge refused my request for another hearing and would not accept another motion ( or hear my new evidence ) so I was unable to get the judgements vacated. So much for New Jersey 's standard to vacate a judgment giving significant latitude to the Judges to ensure fairness of justice for all parties. Since then, I have escalated both of these matters to appeals within the New Jersey circuit, because the presiding Judge in my cases did not hold XXXX accountable for the requirements they were obligated to fulfill under the CFPB Consent Order, and when brought to his attention, still refused to acknowledge the issue. Attached, for your convenience, is the amended motion to vacate that I intended to introduce if I could have participated in the oral arguments or if the Judge had just granted my request for a new hearing. It outlines specifically how XXXX violated due process and blatantly ignored the requirements outlined in the CFPB consent order.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. 6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also read the attached letter and review all of the violations by your company
Company Response:
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello, I have to collections on my credit reports from a company by the name of LVNV FUNDING LLC one in the amount of {$400.00} and the other {$790.00} from XXXX and XXXX. I am unable to work due to one of my children becoming sick and XXXX. I am now forced to use his social security for me, 4 children to make a living off of I am unable to pay any of my debts old and Im just wishing someone could please help me get these debts removed. I also have collections from XXXX ( XXXX XXXX XXXX ) for {$420.00} from XXXX and one from XXXX XXXX XXXX for {$430.00} in XXXX please help me get this removed please.
Company Response:
State: OH
Zip: 45212
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: It was brought to my attention that LVNV FUNDING LLC claims an unverified debt of {$570.00} on my consumer report 0n XX/XX/2022 from XX/XX/XXXX, XXXX not only was this debt not verified its also beyond Maryland 's three year statue of limitations
Company Response:
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted LVNV SEVERAL times as they have an ILLEGAL account under my social on my credit report. I am XXXX XXXX XXXX currently and this supposed credit card account was created when I was a MINOR and they have changed my date of birth to make me appear to be OLDER than what I am. I have sent them my identification as well as my HIGH SCOOL transcripts on numerous platforms including. I have told them several times to remove me from their system and delete the losing on my credit report damaging my credit and they have NOT done so still. The address is even fake from another state where I do not reside. This is a direct violation of the law and they engaging in illegal practices. They have my XXXX listed as XXXX or XXXX which is a lie. I was literally XXXX in high school and only XXXX now. I was a MINOR and its illegal.
Company Response:
State: AR
Zip: 728XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: NC
Zip: 27292
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A