Date Received: 2021-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled a debt through XXXX XXXX, a debt consolidation company, and was satisfied on XX/XX/2020 in the amount of {$410.00}. It is still showing on my credit and Im acting me negatively. I have requested pay off letters and disputed multiple times and they will not relive from my credit report. Lvnv Funding is the company. Acct # : XXXX
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
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: The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX my identity was stolen, I had numerous amounts of checks being wrongfully wrote in my name, Accounts being opened at banks that I owe thousands of dollars for as in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX {$2400.00} credit card opened in my name XXXX opened in my name in the amount of XXXX XXXX was opened in the amount of {$400.00} and also XXXX XXXX XXXX also the debt collection name for this company that has it is XXXX XXXX XXXX for {$990.00} I have filed three police reports and have sent them in numerous times I notice a new inquiry or account opened in my name and they still have not been taken down after correct documentation has been sent to them.
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I got a card in the mail that a order of default was entered on XX/XX/2021 with no info for the reason why this happen only thing that's on it is Judge XXXX XXXXXXXX XXXX case # XXXX XXXX so I sent the plaintiff so far six certified copies starting on XX/XX/2021 requesting all and any bills, validation letters and any court dates to their lawyer XXXXXXXX XXXX XXXX XXXX and to the plaintiff it's been over a month and they haven't sent me the info I asked them for I went to small claims court to see if they can help me find out who's suing me they printed out a letter showing CIVIL ELECTRONIC DOCKET there was no information showing who was suing me only thing on it was a case number and the debt collectors and their lawyer so I was told to file a motion to set aside the default order which was granted so I sent them both copies to show that we have a XXXX visit on XX/XX/2021 at XXXX XXXX how am I supposed to prepare my case if I don't know what's going on so I fax and mail the same info last week and I was going to keep doing it until I get it but since the XXXX visit is Friday so what can I do as far as them sending me what I need can I sue them for not sending me the papers so that I will have time to prepare just in case because right now I have no income coming end my wife gets a XXXX check after the bills are paid on there's nothing left for counsel I tried legal aide but no one has call reach out to me
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
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: The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Company Response:
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The debt collector LVNV funding - reported on my credit for an amount of {$1400.00} in XXXX of XXXX for an XXXX XXXX Credit Card that was last delinquent in or around XXXX. Firstly this debt is older than 3 years, and has passed the state of limitations in the State of North Carolina, when LVNV reported it to the credit bureaus. Prior to them reporting this debt to my credit, I hadn't received any notification of said debt. After doing some research and attempting to purchase a home, it was bought to my attention that they had filled a judgement on me. I was never served papers nor did I have the opportunity to dispute the debt, before the lawsuit was filled. I reached out to LVNV funding on or around XXXX / XX/XX/XXXX to obtain information of said debt. They directed me to Resurgent Capital Services. I then attempted to dispute the debt with them, they advised that I need reach back to LVNV funding. I did just that. After speaking to a representative, I verbally disputed the debt, and they informed me that they would be sending my documentation to validate the debt. I did not receive said documentation. I then disputed the debt by sending a letter. I thenI attempted to call back two additional times to just settle the debt, and this is preventing me from moving forward from purchasing the home. Each time they refused my settlement offer. I explained to them that I did owe the debt, however the amount I wasn't agreeing with. I am filling this complaint as they are unwilling to work with me, they have filled a judgement on a debt that was outside of the statute of limitations, at the time the debt was presented to the credit bureaus. Lastly as a consumer - I don't believe I was notified properly about the debt, provided details about.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company willfully and knowingly have violated my federal consumer rights, I never consented to this company having my personal information, that's an infringement on my right to privacy. This company reported unverified and inaccurate information to the credit reporting agencies. I, consumer requested validation of debt of this debt from Resurgent Capital/LVNV Funding and did not receive the validation of debt according to FDCPA. This company deleted the alleged debt because of wrongful activity.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The company was LVNV Funding saying I owe them for something I didn't open
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A