Date Received: 2022-01-20
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: I disputed an entry on my XXXX report. Originally I did not even recognize the entry because it was reported as a XXXX XXXX card which I never had. I then noticed it was from XXXX XXXX XXXX and was an account they sold to Resurgent. I had paid off the account and had an agreement that the account would not be reported and removed from my credit report. I have a letter verifying this agreement. Initially XXXX stated they had proof this was my account and I submitted a dispute saying it was to be remove per the agreement with the creditor. I have submitted the attached letter twice and asked for this entry to be removed but XXXX, XXXX XXXX XXXX and Resurgent refuse to comply.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I went to check my credit report on XX/XX/2017 and found a couple items on my report that I was not aware of that was in collections from a company XXXX FUNDING LLC in the amount of XXXX and XXXX. I have sent in multiple letters to this company and even placed a police report with my local department. I also have made a complaint via this platform which should show on file of my previous letters sent to the company. They have not provided me with the proper information to verify this alleged debt. They continue to report negative only on my XXXX credit report. Included is the letter I have sent them along with a copy of the police report.
Company Response:
State: CA
Zip: 90504
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I r equested debt validation from LVNV Funding. In response they send a document that they created. The document notes my name as the Borrower and LVNV as the Creditor. LVNV did not provide any legal document or a legal contract which confirms I have an account with them. LVNV did not validate how they determined the amount they say I owe them. LVNV did not provide proof that I owe them. LVNV did not provide proof that they are licensed to operate in my State of Residence .
Company Response:
State: CT
Zip: 06095
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the LVNV funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. As I have explained I had NO knowledge of this account and LVNV funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Good Morning I received a letter from my Employer that I have a pending garnishment for {$860.00} for LVNV Funding LLC XX/XX/2020. I have not been contacted and tried to contact XXXX XXXX XXXX XXXX group. I cant get any answers no return call. I asked for a print out of what is owed and to whom. This is unfair practice
Company Response:
State: MS
Zip: 39120
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: upon checking my credit report i notice a collection agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past
Company Response:
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This complaint is about LVNV funding. They sent letters to a place I was living in three months ago in the males forwarded to my mothers house. On XX/XX/2021 I received a letter saying after reviewing the dispute they have a reason to believe that it was submitted by a credit repair organization. They continuously misrepresented their self but from the same company I received the first letter on XX/XX/XXXX of 2021 I have that latter.. I received another letter on XX/XX/XXXX of 2021. I received another letter for garnishing my wages after they actually garnish my wages. And the price That was supposed to be old was {$900.00} they sent me a or order for {$1300.00} Today I received a court order which is XX/XX/XXXX I received another letter with {$1400.00}. This is for another court order I dont understand why this is happening. If there was already a court order where the air they sent me another court order. They misrepresented their self to my job and I dont think its fair that they could do this to people. How is it that theyre already taken wages from my check but now they want more is that even legal.
Company Response:
State: MN
Zip: 55428
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filled a dispute about items I found to be incorrect on my credit report. I have yet to receive a resolution about the issue even with 30 days that have already passed.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are two fraudulent accounts on my credit report. One is from XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX Credit Card ( sold to LVNV Funding ). I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. I have contacted XXXX XXXXXXXX over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but XXXX XXXX XXXX XXXX does not respond to any of my attempts to have this resolved. XXXX XXXX XXXX ( sold to LVNV Funding ). I have contacted XXXX XXXX XXXX Directly and they agreed that the account is fraud and removed it from their system. LVNV Funding is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to LVNV Funding and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXXXXXX XXXX has deemed the account fraudulent and that LVNV Funding shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A