Date Received: 2021-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding LLC is trying to collect a debt not owed, my identity was stolen and used to open this account as a result I have frozen my credit reports. I do not know this company and do not have a contract bearing my signature with LVNV Funding LLC
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING LLC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of, My Identity has been stole a while ago someone was taking my mail out of my mail box I did everything I was told to do and all the things where removed from my credit know they are coming back this is not my debt only thing they showed me was my address that is all i ask them to remove this because this is not my debt. I was not aware of this being on credit
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a collection on my credit report from LVNV funding stating I owe {$600.00}. I sent a debt validation request to them, to which they never responded. I reported this lack of response to all credit bureaus to no avail. Upon contacting this company by phone, they say I dont have a debt with them. I get mail from Resurgent Capital saying that I owe them {$600.00}. This same debt. Upon contacting the company by phone, they say they can settle the debt for less than 50 %. When I asked to pay for 20 % they said the debt is with another party. I reached out to this third party and its a company called XXXX and XXXX, a law firm who says that I owe them {$600.00}. I have never received ANY contact from either LVNV or XXXX and XXXX. Ever. I have never done business with them not have done any business with Resurgent Capital. I just see LVNV on my credit report and keep getting the run around from these companies. I asked them to delete the debt from my acct as I dont know its origin and they wont offer me a reasonable settlement.
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, this company has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Therefore, it is quite obvious that theyhave deliberately violated my rights in more than one way which is punishable by law.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2021-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Since the companies, XXXX, XXXX, & XXXX violated the FCRA. I am requesting that the credit reporting agencies removed the fraudulent, incorrect information from my credit report. As soon as possible.
Company Response:
State: PA
Zip: 19135
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX Paid Off through XXXX XXXX Reference Authorization Code XXXX through Representative XXXX. This account should not be reporting to any of my credit reporting agencies per agreement of remove of tradeline upon payment being paid. This needs to be removed from my account immediately and is in violation of section 604 of the Fair Credit Reporting Act ( FCRA ). Need account removed asap please. Thanks.
Company Response:
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please resolve this issue ASAP
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XXXX different occasions XX/XX/XXXX and XX/XX/XXXX I sent XXXX a letter disputing a derogatory mark on my credit from a company that has illegally bought my account from XXXX Bank, now LVNV has my personal information and can not provide me information with my original company. They have sent me the same generic letter twice explaining that it is not on my report. When I sent proof from their website that it is along with the dispute letter.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A