Date Received: 2021-06-11
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is in response to CFPB Case # : XXXX This complaint is to point out the violations of this company and seek proper resolution. To start there is no legally binding contract between LVNV LLC, its affiliates, and myself, a federally protected consumer. I, the consumer have no relationship with LVNV and their affiliates. With respect to the violation of the FDCPA LVNV has committed they are as follows. Violation of 15USC 1692b ( 5 ) as the letter attached and sent in a previous complaint where LVNV stated it was their initial communication violated this code by having symbols and language that indicated the debt collector is in the debt collection business. LVNV is also in Violation of 15USC 1692c ( a ) as they have no consent to have communicated with the consumer. Additionally they are in violation of 15USC 1692e ( 1 ) and 15USC 1692e ( 2 ) as LVNV are attempting to collect an alleged debt for services they have NOT rendered and an erroneous balance owed to LVNV. That is false and misleading. Additionally, LVNV has violated 15 USC 6802 ( b ) ( 1 ) ( b ) and 15 USC 6802 ( b ) ( 1 ) ( c ) as they did not provide the consumer opportunity to opt-out of having my nonpublic personal information disclosed to third parties without consent as well as, i was not given an explaination of how I can exercise that non disclosure option.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was checking my credit report and realized they have a debt as a collection with their company that was paid off back in 2014.
Company Response:
State: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please Review court notes here- XXXX XXXX XXXX XXXX=XXXX XXXX XXXX XXXX XXXX I was notified of this debt sometime last year or the year before. I have been continually disputing it as I have no reccolection of the debt what so ever. I tried to contact the company LVNV funding numerous times via email - and I have the documentation to prove it via email. They claim that I owe money for a credit card debt to XXXX XXXX XXXX. XXXX XXXX XXXX is still sending me mailings all the the time to accept their credit card offers. I have asked them to stop over and over again. They took me to court our first hearing was XX/XX/2021 - where the judge had let them know that they needed to send me paperwork. I have called and left several messages and emailed their office - with no response. Today we had court again - they have not proven the debt and had failed to send me any documentation in the last 30 days - I requested to the judge that it be dismissed and he said " that is not going to happen today '' - I am not sure why this is not in the court notes. Under the Fair Debt Collection Practices Act ( FDCPA ) - a collector only has 30 days to send paperwork - if they fail to do so then they can not collect any futher. Today the judge gave them 30 more days. After I requested it to be dismissed, which are against my rights. This is the information to the law office trying to collect the debt for LVNV funding. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA, XXXX, MN XXXX XXXX
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I XXXX XXXX never enter any consumer credit transaction with RC/RESURGENT RECEIVABL for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By RC/RESURGENT RECEIVABL obtaining my personal information without my consent they have committed fraud and identity thief. RC/RESURGENT RECEIVABL furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now i can not do business with anybody else due to RC/RESURGENT RECEIVABL reporting this allege debt to my consumer reports.
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As a federally protected consumer. I am currently being harassed by multiple debt collectors. Most of these debt collectors have sent me statements to collect a debt on a POSITIVE balance, if anything I should be the one getting paid.Based on the FDCPA 15 USC 1692 them sending me statements makes them a debt collector .Since they are NOT the original collector this makes them a Third-party debt collector .As a consumer I have the rights to know how much was this sold for or the commission it was assigned. ALL of this so far are violations to the LAW. I have asked for validation and a signed contract between me and the third party debt collectors, which they have not sent me only statements and statements does not mean contract by any means.With this being said that is under violation as well and considered fraud because they unknowingly put me under contract and tarnished my credit report and reputation .Which is another violation. Under the FCRA 15 USC 1681 THESE debt collectors ruined my " reputation " with a bad debt and furnished it to my credit report. The debt also states " failure to pay this debt will result in us furnishing this debt to ANY or ALL consumer reporting agencies. '' This is considered a threat. The word debt is in fact obscene and profane. Last but not least as mentioned before the papers sent to me are all in a positive balance if I OWED anything to these unknown people the balance will be negative because it is impossible to pay a positive off, therefore this means its been paid with my social this entire time .Is there a way of reimbursement? The companies im talking about are : XXXX XXXXLVNV Amount : XXXX Date : XXXX XXXX XXXX amount : XXXX Date XXXX XXXX XXXX XXXX amount XXXX date XXXX XXXX XXXXXXXX XXXX XXXX amount - {$1000.00} dateXXXX XXXX XXXX
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filed an FTC complaint and it still has not been removed
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have this accounts that does not belong to me and i want it to be remove from my credit report. 1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 2. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Prior to XX/XX/XXXX, I sent via mail XX/XX/XXXX what I could afford. Received an email XXXX XXXX with a contract, that was not what I agreed nor stated I could pay. XX/XX/2021 I called both the courts as I was sent documentation to attend. The jail stated I did not have to come into court if I made arrangements. I made arrangements prior to the court date. The law firm sent over a contract that was incorrect from what we argeed upon. I called them XX/XX/XXXX and discussed via phone also to have a new contract sent out to me via email like they did originally and I would sign with the correct agreement. They stated tey had to type one up and they would sent out the " new contract '' that was agreed to via phone- phone recording. No agreement has been resent to me since XX/XX/XXXX. I have the email chain showing this. Since then I have not reiceved any further documentation, nor agreement that was discussed. They have marked non payment on my credit when there has not been an argeement,
Company Response:
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, LVNV Funding, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. If you can expedite this request to look into this matter for me, I would really appreciate it. Thank you in advance.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A