Date Received: 2021-04-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.
Company Response:
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent 1st Letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) stating to send me proof that the debt was valid bearing my signature. No communication was sent from LVNV FUNDING LLC. The 2nd letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) where again I asked them to validate the debt to send me proof bearing my signature nothing was sent. I got a letter from XXXX on XX/XX/21 stating that " we verified that this item belongs to you '' I have never had any type of communications from this company nor received any proof from them to validate this debt which is not mine.
Company Response:
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To whom it may concern, Im writing this letter to dispute the following accounts : ACCOUNT NUMBER : XXXX Reference ID : XXXX THIS IS XXXX XXXX XXXX!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY at all. this is all me so please don't play games. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report asap. My information was obtained without permissible purpose because I never gave your company written consent to accept information from any creditor, or report information about me to the credit Bureaus but you still accepted my information and reported it to the public. 15 USC 1681a ( 3 ) defines Identity Theft as a fraud committed using the information of another person.Your company is now XXXX and civilly liable of identity theft and I plan to file litigation in this matter. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. I included a Invoice with this letter. Just so you know, there is a {$500.00} late fee for everyday that you are late from this date. Failure to respond satisfactorily with deletion of the above referenced account and Compensation in the form of a check will result in the above actions being taken against your company ; I will also be seeking litigation and {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g 4. ) Violations of 15 USC 1681a ( 3 ) 5. ) Violations of 15 USC 1681n
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX is claiming that I owe them {$120.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Company Response:
State: TX
Zip: 77301
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX - I signed a settlement agreement with XXXX XXXX. It was agreed {$7600.00} of {$11000.00} owed was acceptable by XXXX XXXX. Monthly payments were made and the final payment was made to XXXX XXXX of {$3700.00} in XX/XX/XXXX. The balance was requested by me and I have an email from XXXX XXXX with the {$3700.00} amount as the balance left to pay. In XXXX, XXXX XXXX did report a charge-off on my account in the amount of {$3400.00}. Since then, I am not exactly when they changed the balance to XXXX and kept the status as charged-off. XXXX - I received correspondence from XXXX XXXX XXXX stated that I owed {$3400.00} to LVNV Funding LLC and the original Creditor was XXXX. ( It was XXXX XXXX that I had the account with. I had never received any correspondence with the Creditor name as XXXX. ) They were offering a settlement agreement for me to pay {$1700.00} of the {$3400.00}. LVNV opened a new account in collections with the 3 credit bureaus and a balance of {$3400.00} as of XX/XX/XXXX. They have continued to report 30 days late each month because I refused to settle on an amount that had already been settled with XXXX XXXX. XX/XX/XXXX - I received correspondence from Resurgent Capital Services, stating they were verifying the debt and will be servicing the debt for LVNV Funding in the amount of {$3400.00}. XX/XX/XXXX - I sent a certified letter to Resurgent Capital Services, explaining that the debt had been settled with XXXX XXXX and the LVNV should be removed from all three credit bureaus. XX/XX/XXXX - I received a letter from Resurgent stating they would be looking into my inquiry. As of XX/XX/XXXX, I have not heard anything from either Company. However, the LVNV is still on my credit report in collections and they continue to report late each month. Thank you for any help you can provide.
Company Response:
State: NC
Zip: 28590
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account is the result of identity theft that was carried out by my mother. I have discovered that she had been opening accounts in my name for nearly XXXX years. Though I do not know when this started, the first fraudulent account was opened in XXXX of XXXX. The latest was opened XX/XX/XXXX. I have a special needs condition and that is how my mother was able to use my information without me knowing. Now that she has passed, I am trying to clear these fraudulent accounts from my credit report. So far accounts are being removed, but XXXX refuses to remove the account. I have completed an ID theft affidavit that was notarized, and police report because that's what was recommended to me. I then sent this to the credit bureaus in XXXX and to LVNV directly in XXXX. XXXX simply ignored everything I sent them and verified the account. This account does not belong to me and they are refusing to even properly investigate it.
Company Response:
State: CA
Zip: 933XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: THEY CALLED ME AND MADE THREATS ABOUT ME NOT PAYING AND SAID THEY WOULD SUE AND TAKE EVERYTHING I OWN ME AND MY FAMILY WOULD HAVE NOTHING IF I DO NOT PAY THEM ASAP.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Loan discharged in bankruptcy chapter XXXX, Bankruptcy Court XXXX XXXX Kentucky. Despite company being directly contacted by the court, as well as their attorney, and later contacting the attorney myself a second time, they have failed to remove a civil suit from the XXXX XXXX XXXX XXXX. This seems to be a continuing effort to intimidate and harrass as this suit is a public record. They are thumbing their nose at the Federal Court. Additionally it can be considered a continuing attempt to collect a debt which has been discharged. The discharge occurred on XX/XX/XXXX, this year, This business needs to be investigated for their practices.
Company Response:
State: KY
Zip: 427XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING is claiming that I owe them {$100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Company Response:
State: TX
Zip: 77301
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a formal complaint against LVNV Funding located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, LVNV Funding has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Company Response:
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A