Date Received: 2021-04-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I noticed unauthorized inquiries on my credit report Ive noticed that someone apply for something in my name I reached out to all creditors neither one could give me any info of where these inquiries came from the only action they gave for me to contact you guys. I dont recall giving any of these companies permission to pull my credit. Under the FCRA LEGALLY these MUST be removed
Company Response:
State: LA
Zip: 70118
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with NYS law, I am hereby notifying you of my intent to bring a lawsuit against you for violating FDCPA Violation and FCRA violations. My grievances are thus. I will be pursuing settlement through the court system. Over the past months, since I have notified your company of my grievance and requested an investigation. I have received no compensation or acknowledgment of my request. If you wish to settle this claim with me or my attorney, XXXX XXXX, I am open to discussion outside of the courts. Please contact me at mailing address. Thank you for your time.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX I started getting letters from lvnv funding saying they're collecting on behalf of XXXX. My credit had a blemish with XXXX XXXX since XXXX. Instead of XXXX XXXX NVLV is now on my credit as collections opened XXXX. I filled out dispute letters to the Credit agencies stating wrongful filing because I've never verbally stated or written or recognized lvnv funding as an entity I owe.
Company Response:
State: WA
Zip: 98199
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The event begin occurring as of Thursday, XX/XX/XXXX, at XXXXam. A lady, who identified herself as XXXX and calling from a blocked number, indicated that she was a representative from the XXXX XXXX XXXX dispatch office. She then proceeded to ask me if I was home and if XXX was my home address. I told her no, and asked what this was in reference to. She mentioned she was in possession of legal documents to deliver to my home and that XXXX XXXX XXXX were the legal entity. I then requested for the XXXX XXXX XXXX phone number, and she gave as XXXX. I immediately call that number and was greeted by an individual named XXXX. He mentioned a case number, in addition to the amount that was apparently in question. He said that XXXX XXXX XXXX was suing me a credit card amount, dating back to XXXX. He began to become irate when I questioned him about the statue of limitations which I thought was odd. He also indicated that if I had the means, I should just make a payment to him over the phone. This was also a red flag, as I was then asked him why would I do that if the office I called was a law firm? Is it standard practice for law firms to collect payment 'FOR ' entities they represent? I then asked if he was a credit debt collector or law firm, and he replied law firm. I then requested to speak with his lead and he hung up the phone. I called the number back and this time he had a very nasty attitude and indicated that I could not speak to anyone above him, and in fact the reason he gets paid the big bucks is to handle 'individuals ' like me. We ended the call, and I proceeded to call my local precinct. I was told by the precinct that no one makes phone calls to individuals from the dispatch office, and neither does the Constable 's presiding office make phone calls to request confirmation of one 's address in order to serve any legal instrument. I've also since called the XXXX XXXX XXXX bank to confirm understanding of what was told to me about a particular account, as there is no such card on my credit report. The representatives confirmed that the account is no longer with XXXX and there is no active litigation in process with the company the loan was sold to. I have since contacted the Federal Trade commission and all 3 credit bureaus to place alerts on my SSN. However, I'm concerned that these black market cyber pros will take my SSN and try to do something harmful.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Lvnv funding LLC I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Company Response:
State: SC
Zip: 29621
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: About one month ago I noticed that there was a negative account on my credit report. I called Experian credit reporting agency to question and dispute the account because I did not recognize the account under LVNV FUNDING LLC. After speaking to the Experian agent on the phone, She was able to explain to me that it belonged to an original count called XXXX XXXX XXXX for a {$300.00} credit card that I had used years back. She recommended that I call LVNV FUNDING LLC directly to communicate an agreement of payment on the account and to request to have the negative statement removed from my credit report after payment. When I called them I spoke to someone and we came to an understanding that the {$610.00} Charge was from the original {$300.00} Credit Card. I explained to her that I wanted to dispute the {$610.00} charge and she offered the half settlement of the amount. I explained to her that the purpose of my call was to have the negative account removed from my credit report and that I would make the payment of {$300.00} But only if it would be removed from my credit report. She explained to me that I would be able to do so by creating a account at their website called : www.portal.resurgent.com. After logging into the website, I created an account and saw the details of the account and payment options on the primary page it explains that If your account is currently reporting to the credit reporting agencies when your payment resolving this account is processed a request will be submitted to the credit reporting agencies within 30 days to delete the trait line associated with the account if this account has not yet been reported to the credit reporting a to seize at the time your payment resolving this account is processed it will be reported. This was for the payment amount of {$610.00} When clicking on view more account information it displays other payment options such as scheduled payments or paying half the Balance. The statement noted above about deletion of negative Information on my could report did not appear on this page for half payments. I called back to express this concern to another LVNV FUNDING LLC agent or and request to speak to a supervisor or a manager because the agents were not able to send a letter or an email with the statement of removal or deletion of the negative statement on my credit report. After speaking to a Supervisor at LVNV FUNDING LLC Regarding my concerns and request they stated that sending a letter with the company letterhead and/or an email is not a practice that their company uses and stated that it is listed on the primary page of the account that I log in to. I expressed to the supervisor that that statement only applied to the full balance payment which was {$610.00} and that was the original balance that I was disputing in the 1st place. I also ask why there was a balance of {$610.00} when I only had a credit limit of {$300.00} on the credit card in the 1st place. She could not explain why it appeared that way and stated that was The initial reason why they offered for me to pay half of the bill to satisfy the account. I expressed to the supervisor that it was a concern that I would pay the bill and the native statement would not be removed from my credit report and that I would not make a payment until I received a letter or an email from someone affiliated with the company and had not heard anything from them since. I called experience to dispute the charge and to show proof of the bill belonging to me. A few days later I received a letter from XXXX XXXX XXXX XXXX. Displaying the exact same information has resurgent affiliated with LVNVFUNDING LLC. XXXX XXXX XXXX XXXX Is the payment business that collects the actual payments. I first Spoke to XXXX And expressed my concerns of making a payment and requested to have a letter from the company or an email expressing the deletion of the negative statement on my credit report. XXXX then stated that they only take payments and do not make the agreements of deletion of statement from your credit report which can only be done by someone in management at : LVNVFUNDING LLC. When I called LVNVFUNDING back and express to them my communication With XXXX at With XXXX at XXXX XXXX XXXX XXXX. I was then told that it was actually their responsibility where XXXX work and that they would for the call back to XXXX XXXX XXXX XXXX I was then told that it was actually their responsibility where XXXX work and that they would for the call back to seek XXXX XXXX XXXX XXXX. I then was connected to someone by the name of : XXXX XXXX And expressed to her all of the details of my request to make a payment and a have the negative statement and move from my credit report but only after I was emailed or mailed and let her with the agreement of my conversation and the details of the deletion of this negative statement from my credit report was made 1st. LaquishaPlaced me on hold to speak to her manager to a quest to do so. After having me on hold for up to 15 minutes we both agreed that she would call me back after she spoke to her manager or the process was done and for me to verify if I received the email.This did not happen and I called back the very next morning after speaking with her again regarding the same subject she was able to get someone from management to send me an email titled inquiry.This email basically had a Statement of the high balance of {$610.00} and that I would be making a payment to the account and had until the end of day of : XXXX or the agreement would be Null & Voided. I immediately replied back to whomever sent the email to me and in the email stated that the email I received it not have any of the conversation of the original agreement of me making the settlement payment of {$310.00} in addition to removing the negative statement from my credit report within 30 days after payment. The next morning I received a phone call from XXXX XXXX XXXX XXXX And was connected to a manager by the name of XXXX XXXX. I explained to him the concerns of the email I received from the company he worked for and my reply back to the email and ask if he had received it. He said it no he did not and I requested for him See if he could located from whomever sent me the email originally so that way we could cover all the details. After doing so he stated that I had XXXX options. 1. pay the full balance and get a record of for payment on my could report without deletion. 2. Pay have the balance and it would be noted as a Settlement payment. 3. Make no payment at all and this company would move forward with other actions to collect the debt. Then XXXX asked me was there anything else that he could help me with I expressed to him " NO '' there was not, and I think I'm for his time and we both hung up the phone.
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This letter is your notice that I dispute the above referenced debt. This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge. I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed. Please cease all collection efforts for this account until you have provided me the with the validation of said debt, the verification of my personal information and all contracts bearing my ACTUAL SIGNATURE that I have requested and please do not send any computer printouts I want to see actual documents bearing my signature. It is a crime to threaten suit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against you. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate these items. My previous letters- all sent certified mail- stated my reasons for an investigation and these reasons were not frivolous in anyway. I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : I do mean all XXXX, request. Validation of Debt Request - Proof of your right to own/collect this alleged debt. - Balance claimed including all fees, interest and penalties. - Contract bearing my ACTUAL personal signature ( Not a Computer Printout ). - License proof to collect debts in my state. - A credit agreement signed by me and you. - Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor. - Copy of my NYS Photo ID which is required to open this type of account. As you may be aware, " Admission by Silence '' legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense when I summons you to court or take action against you and your company or law firm. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They are reporting an account on my credit reports that is too old to be reporting. The FCRA states that negative items are to be removed from credit reports at 7 years from the date of first delinquency. They bought this debt for pennies on the dollar and do not have accurate information.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV FUNDING ACC # XXXXand Acc # XXXX is been reported as late which is in corrected. I contacted XXXX XXXXXXXX and was told that the accounts were sold when dispute were in process. The account was previously listed as 12 XXXX XXXXXXXX XXXX with balances of {$3500.00} and {$4000.00} that are incorrect. Was told by XXXX XXXX they are no longer reporting since disputed. Rather LVNV Funding with proper verification and right to dispute. A letter attached from XXXX XXXX XXXX as proof. LVNV funding sent frivolous statements with merits that does not represent the facts.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was served a court summons on XX/XX/2021 for a debt I do not owe with no proof other then an Amount and a Creditor name XXXX XXXX XXXX XXXX. I have been getting several spoof calls and voicemails from LVNV Funding LLC at all hours and days.
Company Response:
State: MI
Zip: 48154
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A