Date Received: 2021-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/XXXX, I reported to XXXX XXXX that one accounts had been fraudulently opened in my name on XX/XX/XXXX. XXXX XXXX instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by XXXX XXXX that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from XXXX XXXX that I owe them. XXXXl XXXX is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). XXXX XXXX then sold my account to LNVN Funding. Now I am fighting with LVNV funding and their questionable business tactic. Next, LVNV subcontractors debt account to resurgent Capital services which is both owned by the same company Sherman financial group. LVNV is violating FDCPA laws! Please investigate LVNV & their questionable business tactic.
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My complaint is against LVNV funding. I sent a registered letter on XX/XX/XXXX requesting verification of the debt, because they had filed, and then withdrew a small claims case against me in XXXX County in XXXX of XXXX. I have been given no response. As well, I have disputed their credit reporting on my record for the " date opened ''. They have re-aged the account as opened XX/XX/XXXX, which is completely false. Their continued reporting of this account as being opened and then not paid, shows as a " recent delinquency '', and therefore is causing me great hardship with any financial turns I take. I have been denied credit multiple times due to their false dating of this account.
Company Response:
State: PA
Zip: 188XX
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV FUNDING LLC at XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notice in the amount of XXXX. The collection has been reporting this past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response:
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am being sued in two different cases in civil court in XXXX XXXX Ohio by LVNV Funding also known as Resurgent Capital Services. Both accounts are the result of identity theft, of which I am the victim. Resurgent, LVNV Funding and their affiliates/ attorneys, XXXX and XXXX are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither LVNV Funding / Resurgent or XXXX and XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. They keep passing the buck using three entities, Resurgent, LVNV Funding and XXXX and XXXX to dodge who is really responsible for answering my requests to investigate these accounts as fraud as per the Fair Credit Reporting Act.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am being sued in two different cases in XXXX court in XXXX XXXX, Ohio by LVNV Funding. One account is for {$1400.00} and the other is for {$790.00}. Both accounts are the result of identity theft, of which I am the victim. LVNV Funding and their attorneys are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither LVNV Funding nor their attorneys, XXXX and XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. I believe they know full good and well that these two accounts are fraudulent. They do not care about the truth. They only care about winning no matter what the truth is.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
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: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV Funding, LLC at XXXX XXXX XXXX XXXX, SC XXXX, has reported an account on my credit report with a balance of {$870.00}. I do not know this company. I DO NOT have a contract with them. They are not the original creditors. I have never done business with them and I do not owe them any debts. Resurgent Capital Services claims to manage the account but LVNV Funding, LLC still owns it and is the one reporting it. I do not do business with either of them. - NO CONTRACT
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I started a mortgage application XX/XX/2021 and was preapproved. Upon receipt of the title work XX/XX/2021, I noticed there was a judgment from LVNV Funding LLC against me. I want to payoff this judgment through the mortgage loan. I first contacted LVNV Funding LLC for the payoff at XXXX. They advised me that the account is now being serviced by XXXX XXXX XXXX and to call phone number XXXX. I have contacted XXXX XXXX XXXX over 10 times trying to get the payoff. The RE attorney I chose for closing my loan has reached out several times as well via email and phone. My loan officer has also reached out several times as well via phone and email. It is now XX/XX/2021 and I still do not have a payoff. Whenever any of us call, they state that are reviewing the file or updating the file and will contact me once it is ready. When I call the LVNV Funding they say they can not do anything but refer it to XXXX XXXX XXXX who is now handling the account. When I call XXXX XXXX XXXX they continuously advise me, the loan officer and my Real estate attorney that they are working on it. It has been over 27 days and they still can not give me the payoff on this judgment.
Company Response:
State: SC
Zip: 29609
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I faxed a debt validation request to LVNV Funding LLC via fax on XX/XX/2021 and have not received a response.
Company Response:
State: NJ
Zip: 08087
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I contacted LVNV Funding LLC and informed them of the fraudulent account set-up using my stolen personal information and I did not owe and money to them as they claimed I owed XXXX. I explained to them, I have not worked or lived in the US since 2014 and it was impossible for me to open the account based on my proximity to the California. I work in the XXXX. I also explained to them that the address used under my name is a PO Box and not a physical address. My information was stolen several times from the PO Box in an effort to open fraudulent credit and bank accounts. This account is the result of such fraud. I have asked LVNV Funding LLC to remove the fraudulent account from their record, report it as such to the credit bureaus and original creditor and to send me a letter of apology. This demand is filed under the FCRA and my rights through the state of California, per my attorney, XXXX XXXX.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A