Date Received: 2022-03-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted : LVNV FUNDING LLC - 4 DISPUTE LETTERS XXXX XXXX - 6 DISPUTE LETTERS XXXX - 6 DISPUTE LETTERS XXXX - 3 DISPUTE LETTERS I WOULD FIRST LIKE TO STATE THAT LVNV FUNDING LLC, XXXX, AND XXXX ARE FALSELY REPORTING THIS ACCOUNT! I HAVE ASKED FOR THE ORIGINAL INSTRAMENT OF INDEBTINESS ( PER THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ) FROM THESE COMPANIES TOTALING 19 TIMES WITH 4 DIFFERENT COMPANIES, WITH NO AVAIL! THE FAIR CREDIT REPORTING ACT STATES THAT " ALL INFORMATION THAT IS PRESENTED ON CREDIT REPORTS MUST BE 100 % ACCURATE AND THE COMPANY REPORTING SAID INFORMATION MUST HAVE THE ORIGINAL INSTRAMENT OF INDEBTINESS. NONE OF THESE FOUR COMPANIES HAVE PRODUCED A SIGNED DOCUMENT, AUDIO, OR VIDEO OF ME, TAKING ANY OWNERSHIP OF THIS FAKE ACCOUNT! XXXX AND XXXX KEEP STATING THAT THIS IS VERIFIED AND MEETS F.C.R.A, BUT THEY ARE LYING! HOW DID THEY VERIFY IT? XXXX HAS REMOVED THIS FALSE ACCOUNT BECAUSE THEY COULD NOT VERIFY THAT IT BELONGS TO ME! I HAVE PROVIDED PROOF. I HAVE NO AGREEMENT OR CONTRACT WITH LVNV FUNDING LLC, YET THIS IS BEING REPORTED ON MY CREDIT REPORT ILLEGALLY! THIS IS A VIOLATION OF THE F.C.R.A!
Company Response:
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This was an original that with XXXX XXXX, it was a case of Identity theft. Valid the account was opened illegally and its not valid. Was sold many times over to collection agencies. I have been unable to remove this from my credit report for the last eight years. I have had collection agencies attempt to collect a debt that has never been confirmed! I have requested confirmation of debt none has ever been given!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The Complaint is against LVNV for account XXXX I have been demanding sufficient proof from this company claiming I owe this debt. I have constantly been ignored and have requested the CRAs to delete this item. 1. LVNV did not respond in the appropriate time frame of ( 30 ) days as required by law 2. LVNV did not supply sufficient proof that I owe this debt 3. LVNV updated and verified this account with XXXX after I disputed and demanded proof. 4. I have reached out to XXXX to delete and have no luck I have sent LVNV multiple letters demanding them to delete this account. This has caused severe harm to my consumer profile, my personal life and business life. I have not been able to advance because I am being held XXXX from this company 's reporting false account on my consumer profile. I ask that the CFPB help me litigate this company for violating my rights. Please help me Delete this account.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On this date, XX/XX/2019 company opened a collection. Account # XXXX {$620.00} That I owe. I have never signed any written document saying that I owe this debt to the collector. Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit reports. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 61008
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Resurgent Capital Services, has been harassing me by way of extortion by attempting to collect on an {$1300.00} extension of credit I provided XXXX XXXX BANK. Since XX/XX/XXXX, every other day until present day ( XX/XX/XXXX ). Ive received over 20 unauthorized emails with offensive obscene & profane language. Each email claiming I owe an alleged debt for extending credit to another business. These false claims that I am in debt are obscene and is causing mental and emotional distress and injuries. In addition, I never gave Resurgent Capital Services direct consent to contact me and attempt to extort me of an alleged debt of {$1300.00}, pursuant to 15 USC 1692 ( c ). My reputation is being attacked and my character by the repetitive profane language used against me.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I saw this first early XX/XX/22 on my XXXX report and instantly disputed it. I saw that it was from XXXX XXXXXXXX years prior and I had closed this account with XXXX prior to activating the card. No attempt to contact after was made. The dispute with XXXX ended in LVNV being removed from that report, however, as of XX/XX/22 they now show as closed other accounts on my XXXX and XXXX reports. When attempting to contact LVNV and XXXX XXXX, the sites are either down or you can not speak with a live agent. Ive read multiple reviews regarding both companies and this seems to be the norm for them. I have even went so far as filing a XXXX complaint against both companies!
Company Response:
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV FUNDING, LLC LOCATED AT: C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX ON XX/XX/XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNTOF XXXX AND ADDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND NO ONE CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO FCRA, LVNV FUNDING, LLC HAS VIOLATED MY RIGHTS AS AN CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Company Response:
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC I request a validation of the original instrument where I sign the contract with this debt collector & they refused to respond to any of my letters sent out to the company!!
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A