Date Received: 2021-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: According to fcra, i may prevent businesses from reporting information about myself to consumer reporting agencies if I believe the information is a result of identity theft. I contacted LVNV FUNDING with a certified letter on XXXX XXXX with my identity theft report and my proof of identity asking for them to stop reporting this debt to all three major credit bureaus immediately as this was a resuly of identity theft. They received the letter on XXXX XXXX. This needs to be removed asap as the credit bureaus are telling me that they need to remove the account.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have made numerous attempts to resolve this issue. I have sent numerous faxes and letters in regards to this debt. I was served to state this is a debt owed yet when I contacted the owner of said debt no response. When I requested proof of said debt no response. I have left numerous messages. I have contacted the attorney of record, debt collection agency, and the original owner of said debt to no avail.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 3 months ago I requested and received my credit report. There was a negitive report that i did not recognize from LVNV Funding. I contacted LVNV Funding requesting VERIFICATION by signature, according to the FDCA, and requesting them to notify the credit reporting agencies that the claim is disputed. Instead of providing me with the verification as requested they sent me a photo copy of a judgement against some person that has the same last name as me. They also threatened me with garnishment and seizure of my assets without proving that I owed any thing. They also will not report that the claim is disputed.
Company Response:
State: AZ
Zip: 859XX
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2019 the amount of {$960.00}, I have dispute this many times using XXXX, that this was a credit card fraud. Its showing in my credit that the account information disputed by consumer, meets FCRA requirements. Its already been 1 year and 11 months.
Company Response:
State: IL
Zip: 61265
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have no knowledge of this account nor did I sign anything for this account please review and delete it from my credit report.. Ive tried everything to report this is not my account and no one is listening ...
Company Response:
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I Feel this account is causing me thousands of dollars in interest every year. I have tried to fix the issue with the XXXX XXXX XXXX, with the actual company and XXXX, XXXX and XXXX as well. I have yet to receive any confirmation that my account has been removed from my credit report so I chose to cease and desist, affidavit and certified mailed and green return post to confirm that my mail has been received. This is my final attempt to seek remedy of my consumer violations under the Fair Credit Reporting Act 15 USC 1681 and as well as the Fair Debt Collection Practice Act 15 USC 1692
Company Response:
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: someone opened the online account under my name in XX/XX/2018 now the account have balance of {$960.00} in XXXX XXXX XXXX XXXX XXXX. I contacted them and they don't want to admit it was their mistake opening the account without verifying my identity first
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: LVNV Funding LLC ( LVNV ) has never contacted me by mail or by any other manner regarding their debt purchase XXXX c/o XXXX and I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize and past the statue of limitations in the state of Texas. LVNV has NOT properly followed legal procedures prior to initiating a lawsuit against an individual nor have they validated the debt ; therefore, the complaint should be dismissed immediately.
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: VNV Funding LLC placed an account for collections in my name on XX/XX/XXXX. I sent the company 2 written request for them to validate this debt on XX/XX/XXXX and XX/XX/XXXX via USPS Certified mail.. LVNV Funding LLC never provided me with the necessary proof, such as an original contract with my WRITTEN signature on it to validate this debt. They also failed to meet my requests for proof of licensure to collect within my state, proof that debt collection is within the statute of limitations, as well as Agent 's name and license numbers. I have gone through 3 rounds of validation requests from the 3 major credit bureaus and well as a written complaint to each bureau stating that LVNV Funding LLC has not provided me with sufficient evidence that I'm responsible for this debt. Anyone can simply allege that I owe them money. LVNV has continuously violated my rights as a consumer by reporting inaccurate, invalidated, derogatory remarks on my credit reports and is in violation of the FCRA.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A