Date Received: 2021-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING LLC CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To : The XXXX XXXX XXXX XXXX for LVNV FUNDING LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank XXXX. is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by XXXX mail only. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX
Company Response:
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I filed paperwork for an investigation into a company called LVNV Funding over a year ago and never heard back because I did not file a complaint with the police. It shows up on my credit report still. I do not know anything about this company or I have not taken any loans out through this company.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Please be apprised that LVNV Funding LLC XXXX XXXX Bank are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Please be apprised that LVNV Funding LLC XXXX XXXX Bank XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " XXXX XXXX XXXX '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone use my name while I was in federal prison, I advise the credit card company XXXX XXXX Bank and the prison sent them all paperwork to prove it was not me they said it was fraud and would have the account removed from the collection agency, low and behold the collection agency is trying to collect money from me and reporting this fraud account to my XXXX credit report for {$810.00}
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Please be apprised that LVNV Funding LLC are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. This company completely ignored my validation. You proceeded to completely ignore my validation. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the XXXX mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all XXXX bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " XXXX XXXX XXXX XXXX legally means that you had a duty to speak but failed to do so therefore within the XXXX period, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On and for the record, I contacted LVNV FUNDING, LLC after noticing that LVNV FUNDING, LLC is listed as a derogatory mark on my Credit Report ( s ). I contacted LVNV FUNDING, LLC in XXXX regarding the alleged debts listed at {$2000.00} and {$2200.00}. LVNV FUNDING, LLC FAILED to produce the evidence required to validate the alleged debt within the thirty ( 30 ) day time frame in accordance with 15 U.S.C. Sec. 1681i ( a ). I have NEVER received ANY service or product from LVNV FUNDING, LLC and I have NEVER had a Contract or an agreement to pay LVNV FUNDING, LLC at ANY time. LVNV FUNDING, LLC is GUILTY of Unfair Deceptive Business Practices and I am hereby requesting that the CFPB aid in correcting this matter. My investigation is evidenced by Certified Mail Number XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This is regarding LVNV Funding LLC, I had closed account wXXXX XXXX & XXXX ( known from previous incident involved/investigation XXXX XXXX account that has been removed because illegal practices when reporting to credit bureaus ) which was charge off then discovered that LVNV Funding opened on XX/XX/20. I didnt respond or acknowledged that the account was mine because the information that was given about the account wasnt accurate therefore ; I became suspicious because they had initially been contacting me either unknown number or different numbers which caught me off guard. Then when I finally contacted them to address and inquire the supposed debit of account they were very stand offish and rude as well as unprofessional. They basically said that the information they was valid. I could dispute, but will remain on credit until they were paid. In response I told them to no longer contact me via phone instead only by via certified mail in regards to account in question. Also disputed the derogatory comments/remarks left by LVNV Funding , LLC. At first I had notice on my credit reports that I it was reported twice for same account which is illegal & has since been removed off my credit report. I would like for this LVNV company to be investigated for inaccuracies & incorrect information that hasnt been updated or confirmed regarding this supposed account in question.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reviewed my consumer report and find that LVNV funding is still reporting after a cease and desist letter was sent to them on XX/XX/2021. The letter specifies no third party communication. Not only that, the account was deleted and reinserted without notice to me the consumer in writing under 15 USC 1681i ( B ) ( ii ). They also have not given me the right to validate the alleged debt by sending an audit trail for validation.
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a repeated charge on my credit report from XXXX XXXX stating I had thier service at a place f residence I never lived. I have it removed obnly for a few days and then it is back on there. I have communicated with all paries and still having issues it is frustrating as I a trying to get XXXX and this is preventing me because of my credit score.
Company Response:
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A