Date Received: 2023-11-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XX/XX/2023 {$860.00} i reach by phone and spoke with a rep, i ask where did they get this info from because i have no knowledge of it i ask from photo id i ask for signing proof i ask for time, and place, never provided any legal info no court papars told them this is fraud,
Company Response:
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I requested that LVNV Funding send me a copy of an original contract with my original signature, showing that I entered into a contract with LVNV Funding. I have never signed any contract with this company, and I asked them multiple times to remove the item ( {$17000.00} ) that was placed on my credit report. I ask that this be removed within 30 days. I also contacted the three credit bureaus, and it was removed by XXXX, but XXXX will not remove it stating that " they will continue to place it on my credit report because the company LVNV Funding says that the information is correct. ''
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent is reported a debt that is from XXXX from XXXX XXXX XXXX and it has not been removed it has pass the 7 years mark they has falsely updated to been from XXXX in a past complaint to cfpb they has shown evidence that the debt is from XXXX the debt needs to be removed from my credit report or Ill take a federal case to court for unfair debt collection practice act if they look in they file I also ask them multiple times to send me the agreement between them web bank and my XXXX XXXX account they are needs to mail me past proof that the debt is valid them account are XXXX XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent is reported a debt that is from XXXX from XXXX XXXX XXXX and it has not been removed it has pass the 7 years mark they has falsely updated to been from XXXX in a past complaint to cfpb they has shown evidence that the debt is from XXXX the debt needs to be removed from my credit report or Ill take a federal case to court for unfair debt collection practice act if they look in they file I also ask them multiple times to send me the agreement between them web bank and my XXXX XXXX account they are needs to mail me past proof that the debt is valid them account are XXXX XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have an account or debt with LVNV Funding. My information was sold without my consent.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: LVNV Funding LLC, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has fraudulently reported my personal information to credit reporting agencies, In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Company Response:
State: NY
Zip: 12901
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello I checked my credit report and saw this particular debt collection agency reporting negative debt and realized I never received initial correspondence to be able to file a dispute. When I was able to speak with them on the phone they said they did not have to verify anything.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX day of XXXX, 2023 Subject : Dispute of Incorrect Information on My Credit Report Dear LVNV FUNDING LLC, I am writing to submit a formal dispute regarding inaccurate information that appears on my credit report. After reviewing the report, I have identified information that does not belong to me and is incorrect. I kindly request you investigate and rectify these discrepancies to ensure the accuracy and integrity of my credit profile. The incorrect information is as follows : [ LVNV FUNDING LLC ACCOUNT ENDING IN XXXX XXXX ] : [ I HAVE NO KNOWLEDGE OF THIS ACCOUNT ] I believe these errors may have occurred due to a mix-up or incorrect reporting. I have no knowledge of this account. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you initiate an investigation into these inaccuracies promptly. I kindly ask that you contact the appropriate data furnishers and request their investigation as well. It is essential to rectify these errors as they may negatively impact my creditworthiness and financial standing. As per the FCRA guidelines, I expect a written response from you within 30 days of receiving this dispute letter. Please provide me with the results of your investigation, along with any corrections made to my credit report. I appreciate your attention to this matter and your cooperation in resolving these discrepancies. If you require any further information or documentation from me, please do not hesitate to contact me. Thank you for your prompt assistance. I look forward to a timely resolution and the correction of the inaccurate information on my credit report. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX say i owe XXXX i never had this card in it say open like im using it in i dont even got the card
Company Response:
State: KY
Zip: 41015
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hey Ive contacted you guys about this account before be cause it was fraudulent it was through XXXX XXXX at first and you guys helped out removing it. But they sold it to a company called LVNV FUNDING LLC and the total on that account is XXXX $ an the date it was open was XX/XX/2023 thats false because you guys had it removed before that date and I talked to credit experts and they say they are known for suing people so I don't want to get sued for debt that's not mine
Company Response:
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A