Date Received: 2021-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a consumer I recieved a copy of my credit report, with reviewing my credit report I have notuce that LVNV have been violating my rights as a consumer, they are harassing me, defaming my character, jeopardizing my family, hurting my future, according to 15 USC 1692 they have to pay {$1000.00} per violations. The list of violations are 15 usc 1692 b2, 15 USC 1692 b ( 4 ), 15 USC 1692 c1 ), 15 USC 1692 c, 15 USC 1692 d, 15 usc 1692 f. I have attached an copy of my FTC, License, and SSC.
Company Response:
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/21 I sent Lvnv Funding LLC a debt validation letter certified. They received it on XX/XX/21. I received two separate envelopes, letters dated for XX/XX/21, neither containing a contract with my signature. On XX/XX/21 I sent Lvnv Funding a failure to validate letter certified. They received it on XX/XX/21. I received another letter from Resurgent Capital Services dated XX/XX/21. It was not a contract containing my signature only a bill.
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding continues to pursue a debt i do not owe. Ive asked them for the original contract between me and them months ago. And still one hasn't been produced. Also XXXX XXXX, and XXXX continue to report this and ive never given my written consent to furnish my information. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. 1. LVNV Funding XX/XX/19, XX/XX/19 2. XXXX, XXXX, XXXX
Company Response:
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a request to the collection agency requesting under but the Fair Debt Collection Practices Act, 15 USC 1692g stating I am requesting for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I requested them to provide me with competent evidence that I have any legal obligation to pay them. I requested the Name and address of alleged creditor 1. Name on file of alleged debtor 1. Alleged Account number 1. Address on file for the alleged debtor 1.Alleged Account number 1. Amount of alleged debt. 1. Date ( this alleged debt became payable ). 1. Date of original charge or delinquency 1. Was this debt assigned to a debt collector or purchased? 1. Amount paid if debt was purchased 1. Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants XXXX XXXX XXXX the authority to collect this alleged debt. 1. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector 2. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor 3. All statements while this account was open 4. Have any insurance claims been made by any creditor regarding this account? They never sent the documents requested and updated the credit busreas stating " Account information disputed by consumer, meets FCRA requirements ''
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Ive been sending letters since 2018 to this collection agency and have not received anything I try to dispute it and have not heard back anything the collection agencies no reporting the information as valid I have no contract with this company no written signature or no validation of this that I dont know who this company is
Company Response:
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After reviewing my credit reports on XX/XX/2021 on XXXX and XXXX I noticed that a company by the name of LVNV Funding LLC is reporting that I owe an account to them with a balance of {$210.00}. I have never held an account with such company and this balance is the result of fraud. I am asking that LVNV remove this listing from my credit reports immediately upon conducting an proper investigation. I have no recollection of this account or any other accounts associated with this debt. My identity was stolen a couple years back and this account appears to be the result of such.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In 2016 an ex-spouse unwillingly opened an XXXX account in my name. I paid the account off in full. I disputed with XXXX 5 times. XXXX and XXXX XXXX are being dishonest and reporting it as an open account thats been paid off in full through XXXX XXXX XXXX. Id like for this to be resolved properly and respectfully. XXXX are using dishonest tactics as well as XXXX.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2021-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, I am writing in regards to an account that is listed on my credit report under the name on LVNV funding, this debt was paid and settled with a company by the XXXX XXXX XXXX XXXX. I have submitted my bank statements and payment confirmation via XXXX but have had no success. There has been some mishandling in the chain of custody of this debt.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-15
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: XXXX report number XXXX I have disputed an unverified alleged collection account, requesting verification of alleged the alleged account by providing documented evidence of a signed credit or loan application bearing my signature. XXXX not only refused to provide the requested information but continue reporting unverified information on my credit report.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2021-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A