Date Received: 2021-07-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Lvnv funding is saying they have bought an account from XXXX XXXX XXXX that is a charge off account but I have an open account with them that Im currently using. This fraudulent Ive attached my current statement to prove what Im saying to be factual. Also Im waiting for a signed contract showing me and lvnv funding have Busienss, according to the frca they must provide it or delete.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding LLC is trying to collect for an account that not mine. They havent responded to my letters asking for proof that the debt is mine with no response. When I found out about this account it was closed in 2018. When I look now it says open and verified. But theyve never sent me anything. I lived in the same address for 9 years now. I dont even think what theyre doing is legal.
Company Response:
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV is trying to collect on an account that was opened fraudulently and will not send me supporting documents. At first when I saw the collection accounts, they said closed in 2018. But ever since I called them to let them know that Im a victim of Fraud, the accounts are now back open?! I dont think this is legal! Without supporting me with the proper paperwork no least.
Company Response:
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: IL
Zip: 60452
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am submitting this complaint because I am being extremely affected by LVNV FUNDING LLC They are being completely unfair and I dont know how to get ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. My account in this matter is Opened Date : XX/XX/2020 Original Creditor Name : XXXX XXXX BANK. Balance : {$12000.00}. I want to give LVNV FUNDING LLC the chance to solve this matter before any legal action is taken. Remedy : Deletion of account from all bureaus
Company Response:
State: TN
Zip: 37217
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
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, XX/XX/XXXX, Attorney General and FTC
Company Response:
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. What I want? I want this debt listed by XXXX immediately removed from all of my credit profiles. They will ask have you tried to resolve this issue with the company. I have tried to resolve this and they are unable to verify that I have a debt / document with their company. That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Company Response:
State: GA
Zip: 31605
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt is not mine. This was a result of identity theft back in 2019. I was harassed by this collection company multiple times through email so I hired an attorney to help me. My attorney wrote to them : Dear Sir or Madam : This law firm is legal counsel to XXXX XXXX XXXX XXXX, your account number XXXX. All further communications regarding this matter should be directed to this Firm. This is a disputed / fraudulent debt and has already been reported as such to the numerous reporting agencies which have resolved this matter in our favor many months ago. This bad paper keeps getting passed around. If you have any paperwork to the contrary showing the debt is still valid and not fraud, please forward same to my attention. Otherwise, I assume you will be letting your client know that no further action shall be taken on this matter. Kindly be advised of your obligations under the Fair Debt Collections Practices Act. Be guided accordingly. All of XXXX XXXX 's expressed or implied rights and remedies at law and equity are hereby reserved. XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX As soon as this email was sent, the harassment stopped but now about 4 months later they have posted this collection in the amount of {$14000.00}. This is collection that stemmed from a loan that was claimed identity theft back in 2019 is now on my credit and affecting my life. This collection needs to be removed ASAP because it is not mine.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A