Date Received: 2021-06-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Do I owe this debt to you or to the original creditor? Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RESURGENT/LVNV FUNDING Account number XXXX I am a victim of identity Theft and this account is reporting on my credit file and negatively impacting my scores. This account does not belong to me. I have tried to fix this but have not gotten a response or proof of this account.
Company Response:
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding LLC : collecting debt for XXXX XXXX Bank. {$560.00} 2016 reported Identity Theft with XXXX XXXX : collecting for XXXX {$190.00} reported identity theft to them and to credit bureaus identity theft. XXXX : collecting for themselves. {$530.00} reported to them and to credit bureaus identity theft. XXXX XXXX : collecting for themselves. {$1000.00} reported to them and credit bureaus identity theft. XXXX XXXX collecting for themselves. {$500.00} reported to them and credit bureaus identity theft.
Company Response:
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have listed fraudulent accounts reporting on my credit report. I did not aplly nor utilize any of these accounts myself. 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine. 5. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING LLC - Company has no legal contract with me. They have failed to validate the debt & have agreed to remove it in place of being sued. Please delete.
Company Response:
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV Funding LLC representing XXXX XXXX My account with XXXX XXXX was closed and paid off in full more than 10 years ago. I never paid attention since this account was paid. Then, i saw this company flagging my credit bureau and decided to investigate. It resulted to be XXXX XXXX collection agency that also keeps adding a new date to the credit bureau to make it seem as more current. I tried to talk to them, I asked them for the original bill from XXXX XXXX, to which they did not provide of course. This company XXXX XXXX had a lot of problems and complaints for the same reason. They have been reported to XXXX XXXX XXXX for Scam and lots of customers complain to the same issue : they always add extra fees ( not owed ) to customers that have recently closed their account, and when they try to fix this problem, they refuse to answer them and automatically send to this credit collection company to start messing customers credit and in a way scam people to pay the late fees that they never owed in the beginning since their acts were closed before. I am sending you a copy of my last bill, please note that they kept sending me these bills, even after i attempted to close the account without owing them any money. The fees they are adding there don't belong to me : they added some late fee for the account that was closed without a balance, they try to charge you {$35.00} for the account whether you use it or not ..., in top of that you can see some of them are annual fee and they even claim interest on these late fees that they come up with to take money from you. Please help me with this, ,this has been going on for years and I am not getting anywhere with these collection agencies who in some instances have tried to put duplicate information on my credit bureau to make it look like a different account. I had the duplicate information removed from the credit bureau. On my other credit bureaus besides XXXX I am not having any issues. Thank you very much, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
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: LVNV Funding is inaccurately reporting that I have a collections debt of {$630.00}. XXXX XXXX is also inaccurately reporting that I have a collections debt of {$720.00}. These accounts do not belong to me.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After review of my credit report I found that LVNV is reporting an alleged debt of {$600.00}. I mailed two letters requesting further information on this debt and their authorization to collect. This company has ignored all of my requests. As of this moment I have not received any further correspondence from them.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received notification of a SSN trace and a subsequent email from a XXXX XXXX from XXXX/LVNV Funding LLC regarding an alleged debt that is past the statute of limitations. Filing this complaint in addition to my emailed CEASE AND DESIST to stop all communication and collection efforts. Furthermore XXXXLVNV Funding LLC by law can not file suit against me or report this alleged debt to credit reporting agencies. I am extremely sensitive regarding my credit rating. Any additional collection activity or reporting of this outside of statue of limitations alleged debt will result in litigation to include damages as per my right under the FDCPA.
Company Response:
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A