Date Received: 2021-10-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} LVNV Funding LLC XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX XX/XX/XXXX
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been going back and forth with LVNV funding about this account that they alleged belong to me I requested validation of debt, a contract bearing my signature I sent a follow up letter on XX/XX/21 and received no response its been well pass the 30 day time frame and Im requesting removal of account XXXX XXXX has already agreed to delete account why is LVNV harassing me? Please help Ive attach certified receipt and letter
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am receiving mail from a debt collection organization call resurgent capital services requesting an amount of {$120.00} on behalf of original creditor indicated as XXXX and Company and current creditor is listed as LVNV funding account listed last digits XXXX. I have never had an account with XXXX under the number listed. I also call this organization at XXXX XXXX And was informed that this debt is from 2008. Although This debt is invalid an account from 2008 is past the statue of limitation. I do not want to be contacted by this organization again
Company Response:
State: CA
Zip: 90249
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: called company XX/XX/
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received my credit report and i have tried to dispute with an account with LVNV FUNDING. I have noticed there are multiple inaccuracies on this account between XXXX XXXX XXXX. I have sent a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/XXXX It has been more than 30 days and i have not received a letter back, Heard from LVNV FUNDING LLC Nor received any of the following below from this debt collector : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. I have also asked to Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. I AM DEMANDING THIS ACCOUNT BE REMOVED FROM MY CREDIT ACCOUNT IN THE NEXT 10 DAYS OR I WILL BE SEEKING LEGAL ACTION.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX 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 perform any corrections or withdraw this from my personal file.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX 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 LVNV FUNDING LLC ( Original creditor : XXXX XXXX XXXX. ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding refuses to validate the debt. Several attempts were made to validate this debt and they refuse to provide or investigate anything. I was never given initial notice of this debt before it was listed on my credit report.
Company Response:
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Open credit card with bank credit limit was {$200.00} XXXX company changed credit limit and say i owe XXXX and also filed lawsuit in XXXX XXXX NY and claimed they served me they didn't as well as false documents they filed in court they had threatening letters with false amounts i cleared up my credit and went to court to settle this issue after doing a credit check they refused and case was thrown out without opposition company is collecting false debt approved and obtained a judgment falsely that was later thrown out yet they still are trying to collect and increase debt on credit they falsely created as well as refuse to settle and still try and collect Company is LVNV Funding L.L.C
Company Response:
State: NY
Zip: 11010
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have made numerous attempts to resolve this matter for the following reasons : On or about, XX/XX/2020, XXXX XXXX XXXX issued a new credit card, which they have done every year. The balance owed on the credit card is usually transferred to the new card. There was nothing unusual about the transaction this time. The balance from the old credit card was transferred to the new account ending. I continued to pay my monthly bill, as usual, not suspecting that there was a problem. I received no complaints from XXXX XXXX XXXX. I never received a late notice or any notice of impending charge-off. I learned of this charge-off when I checked my credit sometime in XX/XX/2020 in preparation for refinancing my home. XXXX XXXX XXXX, continued to report that I paid my bill as agreed. I have only had one account with XXXX XXXX XXXX. I have written to the collection company in an effort to have the charge-off removed from my credit file. This mistake has cost me the ability to refinance my home as my credit score dropped 35 points. Resurgent sent me their evidence and the evidence that I do not owe the funds charged -off is evident. The transfer of the balance is evident in the paperwork.
Company Response:
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A