Date Received: 2021-05-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV Funding placed a collection for {$5600.00} on ALL 3 Credit Bureaus ... XXXX, XXXX, and XXXX. I became aware of this in XX/XX/XXXX. WHAT HAPPENED : ** On XXXX i saw LVNV was on my credit report. Never having received anything to do with this company nothing, I sent a letter. ( see attached ). ** On XX/XX/XXXX = I was SUED by LVNV Funding. ( Still, I had never heard of them or from them ). ** On XX/XX/XXXX = I responded. -- -- - After waiting out LVNVs continuances for documents.On day of courtLVNV is no-show all while reporting still monthly to ALL 3 CREDIT AGENCIES. On XX/XX/XXXX = COURT DISMISSED LVNV Fundings case. CASE DISMISSED ... ( see document ) On XX/XX/XXXX = I write ALL 3 AGENCIES requesting they REMOVE LVNV Funding off my report AND THEY ARE REFUSING. PROBLEM : XXXX and XXXX refuse to remove after receiving Court Ordered Dismissal. ************ Their reason to me= they continue to wait for LVNV Fundings response REQUESTING HELP FOR RIGHTS 1. I requested LVNV ; who I had never heard of get off my credit report. I was proactive and requested LVNV Funding verifying and validate any debt they were accusing me of owing as well as verify who the heck they were. NOTHING THEN 10 days later= IM SUED BY LVNV FUNDING. 2. LVNV Funding continues to report to all 3 credit agencies stating, I owe them moneyI say I do not, and the Court Agreed. THIS CASE HAS BEEN DISMISSED IN A COURT OF LAW PLEASE MAKE XXXX, XXXX AND XXXX REPORT THIS DISMISSAL CORRECTLY AND REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company bought an old debt from XXXX, changed the date to say XXXX, and then proceeded to add interest charges each month, increasing the balance and adversely affecting my credit scores. I contacted them about the the date that it was not the date that the debt occurred that it has been nearly 7 years and they said they can use the date they bought the account, sell it to a sister company and then buy it back and continue on with a new start date for as long as they wish and they are allowed to charge interest even though it went through court already the judge ordered no interest rates to be added to the debt because it was so old.
Company Response:
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was contacted by XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. Regarding two debts which XXXX claimed was assigned to them by LVNV FUNDING- RESURGENT. One debt was {$680.00} reference number XXXX, the other in the amount of {$810.00} reference number XXXX. They offered me a settlement for both accounts and that they in return would remove both negative accounts from my credit bureaus reports. Though this is a different time for me financially, I decided to sacrifice the little money I had in an effort to improve my credit rating by eliminating bad debt. On XXXX XXXX I spoke to a supervisor Ms.XXXX XXXX that ensured me that once the payment was made both accounts would be removed from my credit bureaus reports. I made a payment for the agreed settlement amounts on XX/XX/2021, the payment cleared my bank account on XX/XX/XXXX, XXXX also received a receipt from XXXX XXXX XXXXXXXX XXXX XXXX confirming that the payment was received and both accounts were settled. As of today XX/XX/2021 both accounts remain on all three credit bureaus. These accounts were settled and paid as agreed by the creditor/collection company. I would like both accounts removed from all three credit bureaus as agreed as this is a violation of the Fair Credit Reporting Act ( FCRA ). Please see all attached correspondence related to the settlement and payment of the above referenced account.
Company Response:
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a response that violate my HIPAA rights. The collector did not provide me with a HIPAA release form that releases my medical information, therefore, by providing such information is a violation to my HIPAA rights. I'm proceeding with legal action prescribed HIPAA and i urge you to take it as serious as i have.
Company Response:
State: SC
Zip: 29803
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid the creditor XXXX XXXX for two debts I owed to the companies in XXXX, 2021. I disputed this with all three credit bureaus. I disputed with XXXX two times with satisfaction of judgment letter from the creditor owed ; however, XXXX investigators concluded the amount owed to be accurate.
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please refer to complaint ID XXXX submitted on XX/XX/XXXX. On XX/XX/XXXX, I filed a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX received my consumer complaint and closed my account. They also notified their client to do the same stating, " We are in receipt of the Consumers dispute and have notified our client of the same. Our office has placed an immediate cease on any attempts to communicate with the Consumer regarding this matter. '' XXXX XXXX XXXX has disregarded this notification and proceeded to send my account to yet another collection agency. This time, for the balance of {$120.00} which is why I am filing another complaint against XXXX XXXX XXXX and the new collection agency, Resurgent Capital Services, who I need to notify within 30 days that I am disputing the validity of this debt. At this time, I would like to file a complaint against XXXX XXXX XXXX and Resurgent Capital Services. I don't know XXXX, XXXX 's address or how to get in touch with them, so I am sending them a letter care of Resurgent Capital Services which is within the 30 day window to dispute the validity of this debt. As I stated in my last complaint, " My credit card was breached XXXX XXXX. My bank cleared the charges that were made at the time and I changed my card. These charges were made after I closed that credit card, and therefore, did not show up on my statement. I did not make these purchases, nor did I receive any services. The charges were made to XXXX. XXXX then sent the charges to a collection agency called XXXX XXXX and that was the first time I knew about the charges. I did not know how to get in touch with XXXX, but I wrote to the collection agency to clear it, but they sent me a letter saying I still owed it on XX/XX/XXXX. I filed a complaint with the FTC Report XXXX : XXXX on XX/XX/XXXX. I just received another letter from a different collection agency, XXXX XXXX XXXX who said that they purchased my account from XXXX and is giving me until XX/XX/XXXX to pay {$210.00} of the total balance of {$350.00}. Again, I did not make any payments because I did not receive any services. '' On XX/XX/XXXX, XXXX XXXX responded that they closed my account. All documents are attached below.
Company Response:
State: HI
Zip: 96744
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV Funding promised to delete the COLLECTION from the credit upon payment. The account was settled on XX/XX/28 and the collection is still reporting on my credit. Please delete the collection in its entirety as promised Also XXXX XXXX was settled and yet the company didnt update the account as paid.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent out a Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a Notice of Default and Opportunity to Cure on XX/XX/2021. The affidavit of truth and cease and desist was sent due to my violation of my rights under the FDCPA.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent multiple documents asking LVNV Funding to verify alleged debt by providing proof of contract. LVNV has been given ample time and plenty of opportunity to provide a legitimate contract and have failed to do so at every turn. They are in default and must remove the debt from my credit report, and pay damages for falsely reporting and damaging my name and credit worthiness for so many years.
Company Response:
State: MI
Zip: 49424
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Please remove inaccurate information from my credit history
Company Response:
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A