Date Received: 2021-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular accounts position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove the following accounts from my personal credit file : LVNV FUNDING LLC - XXXX Balance {$91.00} ; LVNV FUNDING LLC - XXXX Balance {$590.00}
Company Response:
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2021-11-11
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: LVNV Funding LLC has listed an account on my consumer credit report. I do not have a relationship or contract with LVNV Funding LLC. LVNV Funding LLC is furnishing false, misleading and deceptive information on my consumer credit report. This alleged debt is disputed and proper validation is requested.
Company Response:
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2021-11-11
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNVFUNDG ( XXXX XXXX XXXX XXXX ) XXXX Balance {$97.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
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 XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you. LVNV FUNDING LLC XXXX Balance {$380.00}
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2021-11-11
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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 the following accounts : LVNV FUNDING LLC XXXX Balance : {$680.00} ; LVNV FUNDING LLC XXXX Balance : {$2000.00}
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: LVNV filed a lawsuit in the state of Virginia in the city of XXXX for a debt on a closed credit card account with XXXX XXXX XXXX which took place as a video meeting with the judge, due to COVID-19 in XX/XX/2021. I filed a dispute with the company, XXXX XXXX XXXX and the XXXX District Court House submitting interrogatories highlighting the validity of the debt and their legal licensing authority. I submitted a copy of the Fair Debt Collections Practices Acts within section 609 and the company was ordered to stop their collection practices and answer the interrogatories via a court rebuttal filing to me as well as to the XXXX County Court Clerks office. As of XX/XX/2021, LVNV continues to report negative impacts to my credit bureaus XXXX, XXXX and XXXX. Ive submitted disputes to these credit bureaus and have placed a lock on my credit file. Nevertheless, LVNV is still reporting negative balances with increases deterring my good credit rating. I am seeking removal of this account from all 3 credit bureaus permanently.
Company Response:
State: VA
Zip: 22032
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: There is a small debt from XXXX XXXX for {$89.00} that has been on my credit report. I never signed up foXXXX XXXX XXXX so I over looked it not being credit literate. After going through my credit report further. I found that XXXX XXXX charged off the debt to a debt collection company by the name of LVNV FUNDING LLC for the amount of {$110.00}. I tried to remove LVNV FUNDING LLC and XXXX XXXX for years on all 3 Credit bureaus XXXX, XXXX and XXXX XXXX. Letting them know this is not my debt and if they can please remove it. Nothing is ever resolved and I just tried again and they have not deleted it but its posted as an open account on my credit and I would like it removed please.
Company Response:
State: WI
Zip: 53213
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem when making payments
Subissue:
Consumer Complaint: In XX/XX/XXXX I started a loan with XXXX. They insisted that the first loan payment needed to be drawn directly from my bank account, but said I could change the payment option to a credit/debit card after. After taking the first payment of the XXXX loan, I tried to change the payment method, but they refused to accept any other method of payment. At the time I had other banks and credit cards I could have used for loan payments to XXXX. They continued to charge and ultimately overdraw the account, the bank account is now closed. The XXXX charged off and closed, and is now in collections from LVNV Funding. https : //www.lvnvfunding.com I'm aware of an XXXX settlement lawsuit from the FTC, and I've tried to contact LVNV about the settlement, but they refuse to stop collections activity. XXXX has removed their records off of my credit report, LVNV is still listed and active. I have paid about {$4000.00} to this loan before it was charged off, I am unable to get detailed records because XXXX has removed their information off of my credit report.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX and I am submitting this complaint myself to address the imprecision on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX ). Per 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 proceed with any corrections or remove this from my personal file.
Company Response:
State: CA
Zip: 90255
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: LVNV went to my parents house, told them I had credit card debt that was in collections and told them exactly how much I owed on both accounts. LVNV informed my parents they were attempting to process serve me. I called LVNV and told them I have never lived at my parents address but they have returned still looking for me. Date of first contact at my parents house XX/XX/2021 and second contact XX/XX/2021. I returned their call XX/XX/2021 and left a message.
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A