Date Received: 2021-05-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: LVNV FUNDING LLC calls me everyday including at work when im in a meeting. also Pursuant to 15 USC 1681a ( 2 ) ( b ) ''any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is ''the term '' ''credit card '' means any card, plate, coupon or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' notice congress said ANY card. the credit card is my social security card. this is the credit card I used to originate every consumer credit transaction for LVNV FUNDING LLC. Through my extensive research of YOUR MANDATED OBLIGATIONS as well as of MY CIVIL and or CONSUMER RIGHTS, I have become very educated as I have also learned from previous actions that the CFPB supervisor that would undoubtedly inform me that indeed YOUR Firm has at maximum only 30 days to PRODUCE ALL of the ABOVE noted information. If your firm CAN NOT or WILL NOT, inside the federally mandated and defined timely manner, produce adequate compliant PHYSICAL PROOF to every single one even each any and or ALL of the above noted items in need of documentation ( showcasing the FACTS are certifiable in attesting that there is 100 % truth, 100 % correctness,100 % completeness, 100 % timeliness, and 100 % obeyance to regulations as well as every single one even each any and or all claims versus me are evidenced in testimony to be exactly mine and of my ownership of responsibility, be assured that I will gladly accept your written NOTIFICATION stipulating that your firm CAN NOT COMPLY with the FDCPA and that as a result of your ineptness you will immediately and formally be withdrawing your claim to this/these alleged debt ( s ) and or derogatory marks or notations versus me as is officially being demanded.Should you misunderstand my drive and WILL to gain JUSTICE and you vilely elect to choose to ignore this demand, please UNDERSTAND AND EXPECT IN CERTAINTY THAT soon after I will pursue a direct course offered under the CREDIT REPORTING SETTLEMENT AGREEMENT ( aka CRSA ) [ ****FEEL FREE TO REVIEW ( as I did ) the COMPLETE 41 page pdf as located on the web at https : //ag.ny.gov/pdfs/CRA % 20Agreement % 20Fully % 20Executed % 203.8.15.pdf ] entered into by the Credit Reporting Agencies ( such as is your repository ) with the ATTORNEY GENERAL OF THE STATE OF NEW YORK BUREAU OF CONSUMER FRAUDS & PROTECTION and 37 other states that specifically creates empowerment and capacities for national none other than even a working group ( such as the credit reporting working group ) to amend in remediation and hold culpable, responsible and if need be punitively accountable and or even to sanction data furnishers who fail to meet the requirements of the FDCPA and CFPBs compliance guidance for Professional Debt Collection Practices.Do not be wondrous to the fact that certainly in my riposte to your callousness that I will NOT pause even momentarily to FILE suit and petition for my own monetary windfall versus your axis firm for malicious collection activities ( in ignorance or willfulness matters not per statutes ) if your firm opts not to retort to this VALIDATION demand and its conditions -see Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. ****again should you care to study the just mentioned juris rendition, please avail yourself opportune to become familiar with the determined requisites of you in this matter as I have myself become very acquainted and educated to..The link of which I studied in glee was located exactly here ... http : //caselaw.findlaw.com/us-7th-circuit/1033194.html
Company Response:
State: NJ
Zip: 08104
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is a second credit card with XXXX XXXX bank that was opened fraudulently without my permission or consent. The first XXXX XXXX was discharged in court. The documentation on that card was being sent to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. I NEVER lived in XXXX. The collection agency, XXXX XXXX removed it from my credit report. Additionally it was discharged and removed from all credit agencies. This is a second card from XXXX XXXX Bank that was opened in my name fraudulently. When this second card arrived to my Virginia address with XXXX XXXX, I assumed it was a replacement card, I NEVER used it. I kept this card without knowing that the card was a second account opened separately and fraudulently. I NEVER CHARGED ON THIS CREDIT CARD, AND NEVER AUTHORIZED ANYONE TO USE THIS CARD. The address was changed and I never received any bills nor any goods or services because all billings went to the same address in XXXX Florida. I worked on my current job over 23 years and have a proven track record of employment, home ownership and utility bills in XXXX XXXX. All of which I provided to the collection agency.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email from LVNV saying they purchased a debt from XXXX XXXX for {$1700.00}. I have no idea if this is a real company. I dont have this high of a credit limit on my card and my current balance is only {$17.00}.
Company Response:
State: CA
Zip: 95351
Submitted Via: Web
Date Sent: 2021-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have written LVNV Funding asking them to validate a debt they claim I owe. They have not sent me anything showing its mine or that I agreed to pay this.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2021-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
Company Response:
State: TX
Zip: 77642
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I previously had a negative report from XXXX XXXX XXXX which was invalid. I disputed this with XXXX and they agreed and deleted it from my credit report. This was under reference # XXXX Months later, the same amount appears as a negative report on my credit report, this time under a company called LVNV, XXXX XXXX with original creditor as XXXX XXXX XXXX. I have been trying, for months, to have LVNV correct this, with no success. Alternatively, I have also disputed this through XXXX a couple of times and it had resulted as shown as updated and never any further, not deleted or removed, as it should be. I would like you to please review the proof in which the above reference # will show this was deleted from my report and clearly LVNV was sold this account in the meantime and now they have it back on my report when it should not be. Thanks for your time and review.
Company Response:
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt is NOT mine. Im afraid my identity was jeopardized. I never owned a XXXX XXXX bank card ever! I am still going through issues with identity theft as of recent. Please remove from my credit report. I even hired a credit repair service specialist to try and help me resolve some of these issues. This particular one was deleted from my credit report about a year or so ago but came to find out that they sold my information to another XXXX and so it was placed back into my credit report. I have zero knowledge of this account. Its causing a lot of financial and emotional strain because its affecting my credit so much.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On or around XX/XX/XXXX I received an email XXXX dba Resurgent Capital Services and Pinnacle XXXX Services LLC stating I owed a debt from XXXX for XXXX XXXX. I sent an email stating to validate the debt noting that the debt was over 15 years old. I never heard else until XX/XX/XXXX. I received a letter in the mail from another debt company XX/XX/XXXX called XXXX XXXX XXXX, requesting triple the amount of the original debt, in addition XX/XX/XXXX the same letter from XXXX dba Resurgent Capital Services and Pinnacle XXXX Services LLC validating the debt. This debt is not mine as I have informed them and it is very unethical for two to be collecting on the same debt for two different amounts.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I want this incorrect information removed from my credit report. A collections from LVNV/Resurgent Capital Services, XXXX XXXX XXXX XXXXXXXX SC, XXXX - ( XXXX ) XXXX is wrongly listed. That account is now serviced by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX, XXXX XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Charged off account w XXXX XXXX was PAID IN FULL back in 2019! Why are you still trying to collect on a paid debt??
Company Response:
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A