Date Received: 2021-11-15
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : LVNV FUNDING Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} ; LVNV FUNDING Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5200.00} ;
Company Response:
State: CA
Zip: 95023
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After obtaining my credit report I found an debt from a company. I was in Prison and I was a victim of identity theft. there was know I could have done this. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. please remove this as it is hindering me in my life.
Company Response:
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a credit card go into collections. The company handling it is LVNV. They also have several other companies under their umbrella. I reached an agreement to pay less than what is owed. I paid the agreed amount, and they are still refusing to report it as such on my credit report. They are still trying to collect the amount that was suppose to be written off. I have all the correspondence and its over 30 pages, so I can not upload it. But I can send it via fax or USPS. I also have the proof that I paid the amount and that each check cleared the bank. I have bank statements, cancelled checks, as well as receipts from the company acknowledging that they received my payments.
Company Response:
State: OH
Zip: 45801
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by LVNV FUNDING in the amount of {$430.00} owed to XXXX XXXX XXXX. I was unemployed for some time and could not make the monthly minimum. However, things have changed and I am willing to pay the full balance owed ( {$430.00} ) to have the trade line deleted and a new account opened with XXXX XXXX. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please e-mail or mail a signed and dated letter to the address attached to this complaint or attach the letter to the complaint. After receiving it, I will send you a payment of {$430.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
Company Response:
State: FL
Zip: 32607
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVN FUNDING at C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$680.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments.
Company Response:
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The creditor company was under LVNV funding And now resurgent capitol. This debt was included in my bankruptcy and it was charged off. This business came back as resurgent capitol and has put this negative on my credit. I paid them {$330.00} and they said they would remove it from my credit. It still on my credit which should have been discharged and I should have never paid something.
Company Response:
State: CA
Zip: 90640
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: My name is XXXX XXXX, it states 16 CFR 433.1 ( b ), a consumer is a natural person who seeks or acquires goods or services for personal, family, or household use. With that said, I want this alleged debt to be validated, stating from 12 CFR 1006.34 ( i ) ( a ) & ( b ), that you have provided communication within 5 days. 15 U.S.C 1692g sec.809 ( b ) that your claim is disputed and validation is requested. The following items that I need to verify the debt is : What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state : -Provide me with your license numbers and registered agent or agent of service :
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX, the original creditor, sent me a letter stating that they performed an investigation and found that I am not responsible for any previous or further balance on any accounts with their company. The accounts ( 2 of them ) associated with XXXX XXXX were not opened by me yet they are both showing up as collections on all 3 credit reports and still being reported by the 2 debt buyers ( XXXX XXXX & LVNV FUNDING LLC ). Neither should be there ( ever ) and I'd like them REMOVED ASAP! Not showing as " closed '', not as " collections '' - all traces REMOVED COMPLETELY! I will attach the letter from XXXX XXXX admonishing me from all responsibility on these accounts.
Company Response:
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of Identity theft due to a Data breach.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A