Date Received: 2022-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: this company LVNV FUNDING LLC clams i have a account Seriously past due date /owed balance of $ XXXX assigned to attorney, collection agency, or credit grantor 's internal collection department and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. you have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with LVNV FUNDING LLC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). LVNV FUNDING LLC can not and will not ever produce a contract between me XXXX XXXX and LVNV FUNDING LLC because that contract does not exist.
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Fact, pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Fact, pursuant 15 USC 1681a ( f ), the term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Fact, pursuant 15 USC 1681a ( b ), the term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Fact, pursuant 15 USC 1681a ( c ), the term consumer means an individual. Fact, RESURGENT/LVNV FUNDING is a consumer reporting agency. Fact, I, XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX, is a consumer. Fact, I did not give RESURGENT/LVNV FUNDING or its affiliates written instruction to furnish a consumer report in my name. This is a violation of 15 USC 1681b ( a ) ( 2 ), 15 USC 1692e ( 2 ) ( A ). Fact, RESURGENT/LVNV FUNDING being a debt buyer, it is implied that the accounts have been turned over to innocent purchasers for value. This is a violation of 15 USC 1692e ( 12 ).
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I went to get a new car and seen so many collections on my account I didnt use I had to file a police report. My identity had been stole and I had to get a new drivers license.
Company Response:
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear Resurgent Receivables LLC, and XXXX XXXX XXXX XXXX XXXX XXXX I received your letter at my address dated on XX/XX//2022. However, I h ave two simple questions, you have my account, which means you have my social security number. How did you get my social security number/information? And are you licensed in the state of Florida as a Debt collector? Keep in mind this debt is alleged. Best regards.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: its showing on my report that I have a debt collection with a company that brought a debt with XXXX XXXX Bank car loan, LVNV FUNDING is reporting that this debt was not paid, I called the company that manage this reporting and they could not find my account because it was paid off last year. I called XXXX XXXX about this and they sent a statement that the debt has been covered.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The company XXXX made a deal with the property owner it would pay all the debts if I moved out by XXXX and I moved out and they still charge me {$1500.00} by making up stuff about apartment thought I overstayed charge me late fees fixer up fees Etc what they did is Criminal they make up stuff and lie about it and I have to pay for their criminal activities. I will not be taken advantage they should be charged criminally in court
Company Response:
State: NY
Zip: 11694
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RESURGENT CAPITAL SERVICES/ LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX have been violating me and causing harm to my personal reputation Pursuant 15 USC 1692d ( 1 ) keeping me from getting other extension open ended consumer accounts. They have not sent proper validation of the alleged debt Pursuant 15 USC 1692g ( a ) ( 4 ) statements are not sufficient validation. RESURGENT CAPITAL SERVICES/LVNV FUNDING continues to report negatively to the credit bureaus even after the cease and desist Pursuant 15 USC 1692d ( 1 ). RESURGENT CAPITAL SERVICES/LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692e ( 2 ) ( a ) for falsely representing the amount owed because the amount placed on the ( Letters ) and ( statements ) shows the balance in the positive.
Company Response:
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: For years I have an account XXXX XXXX XXXX that was closed for reasons of incorrect information, balance, date, etc. Then over time it was given to a COLLECTION AGENCY CALLED XXXX AFTER DISPUTING IT THROUGH XXXX XXXX WITH NO HELP, IT STARTED APPEARING TWICE ON MY REPORT BUT WITH A BALANCE JUST A COUPLE DOLLARS DIFFERENT. IN THE LAST COUPLE YEARS IT HAS BEEN SOLD TO OR TAKEN OVER BY LVNV FUNDING LLC. i HAVE BEEN DISPUTING THIS ISSUE FOR YEARS. Check if you should dispute. You can remove an incorrect collection with a dispute. It only takes a few taps and can help your score. 1 ) LVNV FUNDING LLC {$1200.00} Needs attention 2 ) HIGH IMPACT LVNV FUNDING LLC {$1200.00} Past complaints : Past Disputes XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1000.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. Dispute Reason Ownership : I have no knowledge of this account. Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. Want to take it offline? You can print the Request for Investigation form and mail it to the address below. If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1000.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. Dispute Reason Ownership : I have no knowledge of this account. Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. Want to take it offline? You can print the Request for Investigation form and mail it to the address below. If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1000.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. Dispute Reason Accuracy : There were fraudulent charges made on this account. Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. Want to take it offline? You can print the Request for Investigation form and mail it to the address below. If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1000.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. Dispute Reasons Accuracy : This account is settled. The creditor agreed to delete this account. Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. Want to take it offline? You can print the Request for Investigation form and mail it to the address below. If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX Completed XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. Dispute Reason Ownership : I am no longer liable for this account. Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. Want to take it offline? You can print the Request for Investigation form and mail it to the address below. If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX Completed XXXX XXXX Reported on XXXX XXXX, XXXX {$1800.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. Dispute Reason Ownership : I am no longer liable for this account. Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. Want to take it offline? You can print the Request for Investigation form and mail it to the address below. If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights XX/XX/XXXX Completed XXXX XXXX Reported on XXXX XXXX, XXXX {$1800.00} Item Results Result : Based on your dispute request, XXXX has included new information on your XXXX credit report. Dispute Reason Ownership : I am no longer liable for this account. Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. Want to take it offline? You can print the Request for Investigation form and mail it to the address below. If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays View Your Latest XXXX Credit Report Review the XXXX Bill of Rights Needs attention HIGH IMPACT
Company Response:
State: ID
Zip: 83338
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC has an alleged debt listed on my credit report I don't have a contract with this company at all. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A