Date Received: 2022-02-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2020 I noticed two different accounts on my credit reports that I did not recognize from LVNV Funding. I realized I had never received a notice of the right to dispute regarding these collections. That same day, I sent LVNV Funding a letter to validate each of the accounts. I have a certified return receipt that XXXX XXXX signed for my letter on XX/XX/2020. In the 30 days that followed I did not receive any documentation validating either debt. I checked all three of my credit reports and they failed to mark either account as disputed. On XX/XX/2020 I sent a follow up letter stating they failed to validate the debt, neglecting to send any documentation and requesting to have the accounts removed from my credit reports immediately. My XXXX letter was received certified return receipt on XX/XX/2020, also signed for by XXXX XXXX. Again, I received not response and the accounts were still not removed. I sent all of my documentation to the 3 credit bureaus and again it was not removed. Over a year later I received a letter that a law firm XXXX XXXX XXXX XXXX that they were now handling one of the accounts and provided a packet of information regarding the account. I sent them all of my documentation that LVNV Funding failed to validate the debt. The law firm proceeded to file a lawsuit against me for one of the accounts. At the first court hearing the lawyer from XXXX XXXX XXXXXXXX was very arrogent towards me, telling me that it didn't matter that XXXX didn't follow the validation law upon receiving my letters or the fact that they failed to validate the debt. He stated I now needed to settle the debt with his firm.
Company Response:
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I XXXX XXXX received a letter Resurgent Capital Services LVNV funding LLC reference # XXXX I dont know anything about this they saying I owe them {$1400.00} which I never opened an account with XXXXr XXXX at all I have had credit cards but never XXXX XXXX I do believe my sister XXXX XXXX has used my information to open this account her telephone number is XXXX XXXX we dont communicate at all this has been done before she also has stolen my social and ID before the s incident happens in 2003 And I hope they can find out whats going on because they coming for the wrong person even though my name was used without my permission I never give out my information for anyone to use please save me from Identity theft You may lock at my credit report and see I never held an account with this company ever I do pay my bills I wouldnt let it get to this if I owed this amount of money hope you can help thanks XXXX XXXX
Company Response:
State: CA
Zip: 93555
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have a right to better myself and my only son also. I have been disputing this same company for years! They call themselfs LVNV FUNDING LLC. I have submitted Disputes with XXXX, XXXX, and XXXX credit reporting AGENCYS. They keep popping back up after a couple months. I don't know these people. In my disputes all I want is account numbers and dates! Now LVNV FUNDING LLC THREATENED ME IN MY EMAIL ACCOUNT! She told me to hit unsubscribe but that is not going to stop here from getting a full amount due back in 2015. I can't afford an attorney on my Social Security checks! She was ranting on about suing me in courts. I have snap shots of these threats.
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out to LVNV on XX/XX/XXXX and again in XX/XX/XXXX, in reference to account # XXXX with a balance of {$720.00} and informed them that I have no debt with them or anyone they represent. I have asked them to send me correspondence with my wet ink signature or any documentation in reference to this claim. It has been over two years and I have yet to receive anything from this company.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt does not belong to me. Privacy and consumer right violated. Company has sent deceptive forms and threatening letters. Notice has been sent to company. Ftc has been filed. See attached Evidence and documents. No constitutional proof or permissible purpose or consent given to stated company. Rights have been directly violated. Have also sent cease and desist letters company continues to Harrass me
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am Submitting this complaint because illegal practices were preformed and despite numerous attempts this debt has not been verified or validated. Amounts have been changed the account has been removed and re added without any written reasons why or that it was being re added, i have 3 120 day late payments i can see but this is not the original creditor so any extra fees and late payments or not valid as i never made a payment and have been disputing this for years. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00} In XX/XX/XXXX Account Was Removed and Re Added on The Same Day XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX has a 120 Day Late Payment. I Never Made a Payment Arrangement and I Have Never Made any Payments To This Company It is a Highly illegal Practice I asked to both validate and verify amounts owed, the breakdown of why i owe these amounts, proof that i am responsible for this debt, a contract with my signature on it and have yet to get any response or validation or verification but they say account has been verified how was this done also throughout this entire process they close then open the account
Company Response:
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding with 12 XXXX XXXX XXXX claimed I opened an account on XX/XX/2020, however I have no bank cards with XXXX XXXX XXXX and did not open a card with them. A family member used my social to open a card. I contacted them and disputed however they claim it was not opened fraudulent when it was. My mother said she opened it with my social. Therefore it was opened fraudulently.
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have made several attempts over the past 2 years to have this account removed due to fraud from XXXX, XXXX and XXXX. I am constantly being told that this accounts belong to you. No it doesn't it was opened fraudulently, and I have provided a police report to show that my wallet was stolen. Inside my wallet was my drivers license and social security card. Also included were other identifying documents. This is a fraudulent account that needs to be removed from my credit report. LVNV FUNDING LLC Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXX BANK XXXX A Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXX BANK N A
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A