Date Received: 2022-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX, and my maiden name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. I have attached all of the letters that I have sent to LVNV in response to the derogatory information that was placed on my credit report. I never received a response from the company from any of the letters that I sent out. Then they tried to take me to court in which they closed the case due to identity theft as I stated before, but they have yet to answer for the violations that have been done to me. They have ruined my reputation, my character and my chances in getting approved for credit. The information has been removed from my credit report, but I am still dealing with the after effects of the derogatory information that was place on my credit report. They have violated several US codes as listed in the attached letters. I have lost job opportunities, the ability to get a student loan to go back to school because of the information that was placed on my credit report. Although it has been removed, I did not gain the points that were taken from my credit score once this information was removed and I am still feeling the after effects of LVNV and Resurgent Capital Services and the information that was on my report.
Company Response:
State: FL
Zip: 34761
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: {$1800.00} with LVNV Funding LLC ( current creditor of your original XXXX Bank ( XXXX XXXX XXXX ) account ). Basically I was XXXX and told to pay my debt from a third party company, which I was not notified in any way that my debt went to collections and this all happened during the pandemic, therefore It was more difficult and disappointing. My score went down drastically and it hurt me financially because It was hard for me to qualify for more credit. Lenders see me risky and difficult to apply for anything.
Company Response:
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV WROTE ME THAT I OWED THEM ABOUT {$630.00}, I WROTE THEM REQUESTING A VALIDATION LETTER, 30 DAYS PASSED AND THERE WAS NO PAPERWORK EVER SENT OUT. I RECEIVED INFORMATION FROM A COMPANY NAMED RESURGENT CAPITAL SERVICES WROTE ME STATING THAT THEY ARE MANAGING LVNV ACCOUNTS. I SENT A VALIDATION REQUEST AND I STILL HAVE NOT HEARD BACK FROM THEM.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent multiple letters asking this company to send verification of debt. If they were unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Its been removed from company because they provide information and now they have re added it back on my report without verification still. This company has recently used my personal information to change the dates on my credit report and added a fake address to my account to continue collecting from me and I was alerted by security they were trying to access my account with this false address XXXX XXXX XXXX XXXX IL XXXX.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been going through my credit report and found that lvnv funding llc has been reporting incorrect data to the credit bureaus as I disputed with the credit bureaus only the experian was removed the other two came back as verified, there is multiple things incorrect in the reporting of this debt including that lvnv funding reported themselves as the original creditor. This needs to be removed from my credit report I will be seeking litigation as it is my right to have a fully correct credit report as stated in the FCRA.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: STATUS DETAILS : Submitted on XX/XX/XXXX File number XXXX Completed on XX/XX/XXXX ITEM IN DISPUTE : COLLECTION DISPUTE REASON : Accuracy This account is involved in litigation. CONTACT INFORMATION XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX RESULT : Information updated on this item XXXX investigated your dispute and updated the information you flagged, as well as other information for this item, on your report.
Company Response:
State: MA
Zip: 01453
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXXXXXX keeps contacting and harassing me. They are a 3rd party debt collection agency. One debt is for XXXX and the other debt is XXXX. I do not owe them any money. I filed an Identity theft report and locked my credit report years ago. This debt was with Lvnv and shouldve been removed form my credit report. when I checked its not on there. What gives them the right to come to me 15 years later and say I owe them money. I dont want them contacting me again the debts are not mine and not theirs to collect on. This is wrong and not fair to me. So before they go lying Im filing this complaint. I ve filed with them online letting them know I dont owe them any money Thank you XXXX XXXX
Company Response:
State: MI
Zip: 48152
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I ask this company to verify the debt they say i owe. I have been trying to get all negative information they have shared with everyone to damage my credit and life.
Company Response:
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX I sent a letter disputing the erroneous account with the creditor LVNV FUNDING LL for the amount {$600.00} stating that the information that they are reporting on my credit report does not belong to me.I 've requested that they send me the information to validate this debt each time I've requested the information I never received it. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.
Company Response:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Im not sure what this account is or what its in reference to but I have never done buisness with your company. I had my name changed in 2014 also, somehow youre associated with my divorced name which is odd to me because I havent used it since 2014 by law. Please contact me at your earliest convenience. I have court documents per request Contact me at your earliest convenience XXXX
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A