Date Received: 2022-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. LVNV FUNDING LLC ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00}
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: On XX/XX/XXXX, XXXX contacted me via email about an unvalidated debt from XXXX from XXXX 's ( {$1000.00} ) that was purchased by LVNV Funding, LLC. I responded with an email requesting they not contact me, my friends or family, or employer about any debts they allege I owed. To my knowledge, I have never had a credit account with XXXX 's and I believe this debt collection to be incorrectly sent to my email address, regardless, I requested they cease contact with me. On XX/XX/XXXX, XXXX contacted me again via the same email address, to which I had previously requested they not send collection notifications, about another unvalidated debt from XXXX XXXXXXXX XXXX in XXXX ( {$350.00} ), which again was purchased by LVNV Funding, LLC. I have responded again with a cease and desist contact email. Again, I have no knowledge of an account with XXXX XXXX XXXX and I believe they are again emailing an incorrect address. Both times the contact name attached to my email address had an incorrect middle initial, which, combined with my lack of knowledge of these accounts, leads me to believe they have not done their due diligence and are assigning my email address to another person 's collection account at XXXX. Both of the alleged debts are well over a decade old, and beyond any significant actionable collection methods. I would like XXXX to cease collection communications with me via email or phone unless they are certain the debt belongs to me and is of an age that collection is within the scope of Texas statutes.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been trying to get this account updated for almost a yeaer now and it is very stressfull and unfortunate that these companies can report false information and hurt peopples credit with out any compassion or anything. The credit bureas XXXX and XXXX are supposed to do their job and they have failed horrible at that. They " verfied '' false information, how? They either lied about it or they are just ok with breaking the fair credit reporting act laws. Or maybe they actually did investigate it and LVNV is the debt collection company that's lying on my crdit? I wouldn't know because they also haven't sent me any debt validation paperwork for almost a year. They make it so difficult to function. Like i know the information is not accurate yet they still report it and tell me yes it is accurate. They have proof that it isn't right and they don't care. I even told the bureaus that they are reporting a dupication account and they don't care at all. My next steps has to be a FTC complaint and then consumer finace litigation i don't know what else to do.
Company Response:
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a complaint open again Resurgent Capital Services for trying to collect on a fraudulent debt. This is a follow up, that I contacted XXXX, XXXX and they are unable to locate any accounts with my name and social security number. I have a letter stating that no such account was found. This is to inform and advise Resurgent Capital Services to cease any further attempts to collect on any such debt that they believe I owe through the original creditor XXXX, XXXX. Included in this follow up complaint is the letter received by me from XXXX, XXXX.
Company Response:
State: OH
Zip: 45248
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding LLC. has not proven that credit one is my credit card account. I asked them to show proof of a contract, my name, and my social security number. The FCRA states by law a collection agency should send information regarding the collections. I have not received any information which proves XXXX XXXX is my account. LVNV can not prove my name, address, phone number nor Credit Card number belongs to me. I dispute this accounts belongs to me and had I been notified properly a police report would have been filed for FRAUD
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have no knowledge of this and constant phone harassment
Company Response:
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out to XXXX XXXX Several times in attempts to Inform them that this account is no mine. I didnt open an XXXX XXXX account. At the time it states that it was opened my credit wouldnt have allowed me to get a new credit card. Please have this account removed, it is hurting my credit substantially. I have disputed this several times with the credit bureaus and contacted the business as well to no avail. Also I have asked them to verify that this is me via Name, Phone number, ID etc and. Nothing. Please have this removed asap. Thanks, XXXX
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed a negative account on my credit report from LVNV Funding and they have yet to verify and validate the information they have listed. I have never had an account with LVNV Funding and this is hindering me from obtaining credit from other lenders. I have sent a certified letter # XXXX to LVNV Finding on XX/XX/31 detailing the inaccurate information and they refuse to delete this from my credit report. I have also sent another certified letter # XXXX to XXXX and they have not verified the debt. Persuant to the FCRA and FAIR DEBT PRACTICE they are required to verify and validate the debt which they have not.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2022, I pulled my Credit Report and I noticed that inaccurate information was reported by LVNV Funding, LLC. I had no prior knowledge of this alleged debt and I have never given LVNV Funding, LLC and other companies who are associated with them such as Resurgent Acquisition and XXXX XXXX XXXX XXXX my personal and private information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). I have never been in contact with LVNN Funding, LLC. No information was validated with me as the consumer pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ( 5 ). LVNV Funding, LLC is a third-party debt collector. LVNV Funding, LLC has furnished information on my consumer report without my knowledge and permission. I have sent LVNV Funding, LLC and all associated parties such as Resurgent Acquisition, LLC and XXXX XXXX XXXX a letter has been mailed and delivered Reference ID : XXXX TRACKING ID : XXXX, XXXX, XXXX, XXXX. All documents have been mailed, delivered, received.
Company Response:
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A