Date Received: 2021-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed LVNV FUNDING, LLC is reporting an account on my consumer report ( XXXX and XXXX ). I know that after a debt collector contacts you about your debt, you have 30-days to request debt VALIDATION according to the FDCPA. To which I submitted multiple debt validation letters via certified mail to the debt collector. Under remarks it even reads " consumer disputes this account information. '' Also, keep in mind according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that a debt is disputed ( when I disputed the validity of the alleged debt ), the debt collector, in this case, LVNV FUNDING, LLC is supposed to obtain VERFICATION, not validation of the said debt. XXXX did you VERFIY the alleged debt because no documents supporting the VERIFICATION of the said debt was provided. Furthermore, how can a debt collector say they gave a loan to a consumer that holds an open end credit plan ( all consumers hold open end credit plans ) which, btw we can regularly extend to ourselves through our true " credit card '' under 15 usc 1681. How then, can one be a barrower if the consumer is the true " debt '' collector? A consumer cant barrow from what he/she initiates. LVNV Funding LLC is a company known for buying charged-off accounts from companies like credit card issuers and personal loan lenders. We know that a charge-off is a debt that an original creditor has given up trying to collect on after a number of tries. This company brings in an annual revenue exceeding $ XXXX. What's crazy is that it is completely ILLEGAL for anyone outside of the Federal Reserve Board to use Federal Reserve Notes aka FRN 's from a consumer to make, what you all like to call it " payments '' towards an alleged debt ( according to 12 USC 411 ), especially any " LOAN '' where we know the consumer extended credit to themselves, solidifying the fact that any " CREDIT TRANSACTION '' was already paid for with a consumers social security " card ''. ( define credit card ). So contrary to what is portrayed on my consumer report, LVNV Funding, LLC did not give ( loan ) me anything. I am the original creditor according 18 USC 914. Keep in mind, the statute of limitations on this said debt is up in relation to where I reside ( 6 years ). YOUR ( LVNV Funding, LLC ) collections practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct : the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt. 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 and pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ), I never gave written instruction for this company to furnish any information on my consumer report.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I WAS SUED BY LVNV FUNDING LLC. THE CASE WAS JUDGED IN MY FAVOR WHERE JUDGE CLEARLY STATED THAT I DO NOT OWE ANYTHING TO THIS DEBT COLLECTION COMPANY, YET LVNV IS STILL REPORTING THE SAME COLLECTION ACCOUNTS TO CREDIT REPORT WHICH IS TREMENDOUSLY HURTING MY CREDIT. I HAVE COURT DOCUMENTS OF THE WHOLE TRIAL WHICH IS PROOF THAT I DO NOT OWE THIS COLLECTION COMPANY.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: CEASE COLLECTIONS EFFORTS OR FACE CLASS ACT
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC at XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$920.00}. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. LVNV Funding LLC does not have a contract with my signature and I do not owe them a debt.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have made several complaints about this company LVNV Funding or Resurgent Capitol Services for a {$1000.00} debt that they keep attempting to collect without providing proper validation materials that I have requested. For the 3rd time, I have sent a certified mail piece requesting the debt be validated with proof of I am the person they are attempting to collect from. The failed to respond within the 30 days provided from the date of receipt of the certified mail piece, HOWEVER, they continue to report the debt on all three credit bureau? Isn't that against the FDCP law? I have my certified mail pieces with signed USPS certified return receipts. They are still after 2 complaints reporting this debt, causing me to be denied housing and loans. Now even after going thru the mailbox, written, 30 day validation process, they STILL HAVE NOT produced any of the documents requested or validation. The credit reporting companies prey on XXXX people like this daily. XXXX
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Received letter from LVNV/Resurgent stating in XXXX of XX/XX/2021. I responded and asked for validation and they sent a letter stating they were not going to investigate and I sent another letter in XXXX of XX/XX/2021informing them that their response was a violation of my consumer rights and that they didn't send the information that I requested and I haven't heard from them since then. I asked them to remove the alleged collection from my credit report while they validated the alleged debt but they didn't. I am including a copy of the letter I sent on XX/XX/2021 XX/XX/2021
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: My daughter 's creditor has been sending me debt collections emails ( addressed to her ) which contain her name, the the amount owed and the name of the creditor. My daughter did not give them permission to use my email nor to share information.
Company Response:
State: MI
Zip: 499XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX : Collection Open Date : XX/XX/XXXX Status : Seriously Past Due Assigned To Attorney Account Disputed : Several Times In Regards To This Collection There Has Not Been Any Mail Sent In Regards To This Debt Claimed Owed. Information Is Not Available And Has Been Hidden. I Have Sent A Notice In Regards To The Response Of This Debt On XX/XX/XXXX & Still Have Not Received Information. I Have Been Fighting To Get Removed Due To Fraud And Non Information Of Debt On My Account. I Sent A Letter Stating : This is a response to non information sent in regards to validation of debt and errors on my credit reporting to credit bureaus and the highly negative credit information. This notice is being sent in pursuant to the fair debt collection practices Act, 15 USC 1692g Sec 809b that your claim is disputed and validation is requested.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had misplaced all of my information during Hurricane Sandy and I was XXXX for 3 years. last year I had Covid 19 and I was in a XXXX and XXXX for 2 months. When I returned to my home, I started receiving these letters from collection companies and upon further investigation I realized that these accounts were never opened by me. I contacted the various collection agencies on XX/XX/XXXX and again on XX/XX/XXXX. I have not received responses from many of the agencies that I contacted and as a result, none of the issues have been resolved. I have a child who has started college last year, and this has seriously affected my ability to obtain financial assistance for him to further his education.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A