Date Received: 2021-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi Lvnv/XXXX XXXX XXXXcfpb ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Company Response:
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
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: I have disputed a collection account with LVNV Funding with XXXX XXXX XXXX for three months. This account is not a collection. It is under consolidation with XXXX XXXX XXXX LVNV is reporting I owe them {$5800.00}. This information is inaccurate and unsubstantiated. I request this entire tradeline to be removed from my credit report.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have asked for a copy of a signed contract between myself and LVNV funding to prove I owe them money and they have not provided any proof or any paperwork that I have entered into an agreement with then. They continue to report the account to the credit bureaus XXXX and XXXX as verified and accurate.
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the accounts listed here were reported on my credit report without any authorization, review dentity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 3. Identity Theft XX/XX/XXXXAccount XXXX : XXXX This is not mine. 4. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 5. Identity Theft XX/XX/XXXXXXXX Account Number : XXXX This is not mine. 6. Identity Theft XX/XX/XXXXXXXX Account XXXX : XXXX This is not mine.
Company Response:
State: NY
Zip: 11722
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV Funding is reporting a collection on my credit file that needs to be removed. I have been disputing an account with them through the bureaus but they continue to report negatively on my credit file. I settled this account a very long time ago as I did not know about this collection. However, they continue to negatively affect me from being able to finance my home. I ask that LVNV Funding remove the collection from my file since it has been satisfied. I am aware they report to the bureaus as they deem fit because they are the furnisher. Please remove accordingly or I will continue to exercise whatever rights and remedies we have under the law to enforce this removal not excluding legal suite .
Company Response:
State: UT
Zip: 84095
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV appeared suddenly on my credit report when I checked my reports one day. I proceeded to write a letter and sent it certified. I informed them that I do not know who they are collecting for and ALSO to validate this alleged and fraudulent debt by validating their right to collect with a valid license to collect in my state and, more importantly, an ink signature on a contract I signed with the creditor. ( Keep in mind I still do not know who this phantom creditor is at all at this point! ) To date I have no validation and no creditor to contact! So I need this account DELETED IMMEDIATELY! They are violating my federal and state rights, damaging my reputation and ruining any chances for credit enhancements by this item appearing on my credit files! Violations of the FACPA, FCRA, and various state laws have already been violated!
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested documentation, showing providing proof of this claim over several months ago and received not response, also this was removed from my credit and recently place back.
Company Response:
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: on XX/XX/XXXX I contacted Lvnv funding ( Resurgent ) with a cease and desist and proper validation that the debt is mine. which I have eveything documented they sent me a statement which Is not proper validation any one could get a statement if my mail was a stolen also have been a victim of identity theft I asked them from certain information That the debt is mine. pursuant to 15 USC 1692 a debt collector can only assume the debt is valid. I'm my letter in order for the debt to valid I requested certain information back from them. I was then notified in the mail on the XX/XX/XXXX with a letter from the them stating this is an attempt to collect a debt. when 2 days prior to that they received my cease and desist. which I believe I'm owed for civil remedy from this company. because once a cease and desist Is out all collection activities must stop. as of yesterday this company company uploaded unverified information that is harmful to consumer report which is a violation of 15 usc 1962d. the practices this company is using is unlawful and should not be used. Ive never giving them permission to contact me and they still do even with unverified debt
Company Response:
State: NV
Zip: 89142
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt is not valid I am a victim of identity theft and I never had a contract with this company
Company Response:
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Resurgent Capital stated on XX/XX/2021 that they were willing to discuss payment options for the past due amount of {$1000.00}. However, I have attempted to reach out to the compliance department at Resurgent Capital multiple times and I have left multiple voicemails with no response back from that department. As a result, the past due balance continues to be reflected as in collections on my XXXX credit report and has a negative impact on my credit score with the credit bureau. This situation has adversely impacted me financially make it impossible or much harder to receive a positive credit decision for credit cards, loans, and other items that depend on a credit score. I believe that I have been adversely financially impacted by the companies refusal to abide by FCRA requirements.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A