Date Received: 2022-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am filing this complaint because LVNV FUNDING has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I wrote LVNV Funding/ Resurgent Capital Services in XX/XX/XXXX, to have this debt verified or validated. In my letter I stated the document I needed per the law, to validate or verify the debt. I received a letter from LVNV Funding/ Resurgent Capital Services dated XX/XX/XXXX, stating the debt was valid and attached my one bill. No other supporting document was sent. The original contract etc. After 30 days of no other supporting documentation to validate or verify the debt, I sent another letter on XX/XX/XXXX stating that per the Fair Credit Reporting Act Law, since they have not sent any documentation to validate or verify the debt, they must request for deletion from all credit bureaus .I never received a response from the second letter. I then wrote a letter to all three credit bureaus date XX/XX/XXXX, demanding they remove from the credit reports because the debt was not validated or verified and I attached all correspondences from LVNV Funding/ Resurgent Capital Services and myself. As of today, XX/XX/XXXX, I still haven't received any documentation to verify or validate this debt from XXXX XXXX XXXX and they refuses to remove from my credit files.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Company Response:
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am submitting a complaint in reference to this company knowingly reporting inaccurate data. I have no contract and have no reason to be in any type of business with this company and they are committing FRAUD. My credit profile is affected by these violations, this fraud, SUSPICIOUS, AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I have sent letters on In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this debt.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company LVNV continuously keeps obtaining my information illegally and fraudulently and damaging my credit constantly contacting me making threats and impersonating someone else this is not the first time this company has done this
Company Response:
State: MD
Zip: 21228
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: derogatory remarks for something which I had no control over, these need to be removed from my credit report and satisfied due to a worldwide pandemic, my credit score was XXXX before the covid disaster.
Company Response:
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX # XXXX -XXXX # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX XXXX # XXXX -LVNV FUNDING LLC XXXX XXXX
Company Response:
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent lvnv funding A cease and desist on XX/XX/2021. Pursuant to the FDCPA theyre willfully violating my federally protected rights. A cease and desist is to cease all forms of communication. And communication pursuant to the FDCPA means to convey information regarding a debt directly or indirectly through any medium. LVNV funding is harming my reputation to lenders by not abiding by my rights. This is causing me great harm when it comes to me providing for my family by constantly being denied due to LVNV funding not ceasing communication through all mediums
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have made several calls to this company to resolve a debt for identity theft I was sent out a affidavit to sign and ask for a police report. I fax it over to the company back in XXXX at that time was told the police didnt have company name that I would need a new one. On XX/XX/22 I faxed over a new police which is now saying they havent. On XX/XX/22 I spoke with a very nice supervisor which reached out to the team that received the documents to find what was going on I was told to call back later to see if they responded since then I have called back and havent received no help. Today XX/XX/22 I spoke with a very rude supervisor by the name of XXXX where I was told she short staff I either wait for documents to be uploaded or pay the bill cause there nothing else she will be doing. I believe that was very unprofessional and rude her job is resolve the issues and do what they can to help customers I dont feel she was doing so. But moving forward due to her I rudely behavior I dont believe this company is taking the appropriate steps to clear up this account
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2021 I requested for these companies to provide me proof of signature in black ink that I owe & agreed to pay the alleged debts. These companies failed to provide me any written contract for me to pay these debts. The companies have also violated HIPPA laws and my rights by collecting my medical information without my consent. I demand that they seize & remove these accounts from my credit reports immediately.
Company Response:
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A