Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Lvnv funding llc at XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX has been sending collection notices in the amount of XXXX dollars. The collection has been reported as past due. I do not owe this company. This company does not have a contract with my signature
Company Response:
State: AL
Zip: 35023
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Personal identity was stolen and was used to make credit transaction
Company Response:
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a reporting on my credit saying I owe XXXX $ to lvnv funding. I reported this before as identity theft. And it was removed from all credit reporting agencies. And know it is back on my credit. I would like for this to be REMOVED AGAIN AND TO STAY REMOVED.
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX is showing the two following accounts on my credit ; LVNV FUNDING LLC Account XXXX and XXXX XXXX Account XXXX The two accounts do not show on XXXX or XXXX where my credit reads over 720+ but on XXXX because of these two fraudulent reports show a score of XXXX. Neither company is the real party in interest. Neither company ( debt collectors ) can provide any legal capacity to attempt to collect or report an alleged debt. There are no court orders or judgement ( s ) in place and therefore where there is no contract there is no claim! The entries are in direct violation of Ohio Revised Code 1321.45 and MUST be deleted. Further I was not notified of the 'requirement to authorize ' them before you closed out my previous complaint. Stop shielding them!
Company Response:
State: OH
Zip: 43605
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that LVNVFUNDG is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). And they are reporting this as an open account, but they are a collection agency and I never made any agreement or contract with them. They are in violation in more than one area and need to be stopped.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have requested three times for Resurgent Capital Services to provide proof that I opened this account with XXXX XXXX, XXXX XXXX and include my signature, indicating that I did open this account. Three times, I have not received proof that I opened this debt, nor have they removed it from my credit. The last communication was sent via certified mail on XX/XX/XXXX with a cease and desist with a request to provide proof that I opened this account. I just received a letter with a copy of a statement, no signature, and the account has not been removed from my credit. According to the FCRA, I have the right to a fair reporting on my credit report. I did not open XXXX XXXX Account Number XXXX and Resurgent Capital has yet to provide me a copy of agreement that I signed to open this account, because I did not open this account. I am requesting proof that I opened this account, which I did not, or I am requesting that the item be removed from my credit report immediately.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have no knowledge of the account I keep disputing account and no response .LVNV funding LLC {$1100.00}
Company Response:
State: NJ
Zip: 08611
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: RESURGENT CAPITAL SERVICE SAID THE BOUGHT A DEBT FROM XXXX OR SOMETHING BUT THEY ENDED UP PULLING MY CREDIT REPORT AND ADDIND AN IQUIRY TO MY PROFILE. THIS COMPANY CLAIMS TO BE A COLLECTION AGENCY, I NEVER DID BUSINESS WITH THIS COMPANY WHY ARE THEY PULLING MY CREDIT? COLLECTIONS AGENCY DONT PULL YOUR CREDIT, I CALLED THEM AND THEY ACTING LIKE THEY DONT KNOW WHAT IM TALKING ABOUT. IF THEY DONT KNOW WHAT IM TALKING ABOUT SOME TYPE OF FRAUD IS GOING ON IN THAT OFFICE. THIS IS CRAZY TO ME THEIR TRYING TO BULLY ME INTO AN IQUIRY I HAVE NO IDEA ABOUT.
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I suspect that your company may be guilty of fraudulently obtaining my personal information which is identity theft ( PLEASE SEE ATTACHED FTC IDENTITY THEFT REPORT, Attorney general complaint and letter for validation )
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX ( LVNV FUNDING ) HAS Duplicating account information on my credit report 2 of the same debts from the same creditors and the same account first the used webbank/fingerhut to report his debt then again for LVNV FUNDING ( XXXX XXXXXXXX/XXXXXXXX ) this is in direct violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A