Date Received: 2021-03-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV Funding is reporting excessive incomplete, inaccurate, and false information on my credit report on the account the claim was opened on or about XX/XX/XXXX such as the following : 1. ) I received a letter from LVNV Funding dated XXXX XX/XX/XXXX that states that my last payment to the original creditor was XXXX XX/XX/XXXX. The date of last payment the is being reported from them does not say reflect that date. 2. ) LVNV Funding is reporting a false payment history to XXXX. Company reports that I paid them every month from XXXX - XXXX of XXXX, then states that I was 120 days late on XX/XX/XXXX, and then reports that I paid them on XX/XX/XXXX. All of this is false, incomplete, and unverifiable. I have never paid this company anything nor do I have any sort of payment arrangement with them. Company also clearly states in the letter received from them that " No payment has been received '' but they are reporting that the received a payment from me in XXXX of XXXX. 3. ) LVNV Funding is reporting to XXXX that my date of last activity is XXXX XX/XX/XXXX, says my last payment was XXXX XX/XX/XXXX, but sent me a letter saying my last payment was XXXX XX/XX/XXXX. This date of last activity is inconsistent and does not reflect the paperwork they sent me. 4. ) Why is LVNV Funding reporting my account status as 120 days late on a collection account to XXXX 5. ) There should be no past due reporting on a collection account especially since I have not agreed to any payment arrangements with this company. 6. ) This company is reporting a false/incomplete payment history to XXXX Why would a collection company be reporting charge offs in my payment history? This company has reported charge offs on my credit report on XXXX, XXXX, and XXXX of XXXX to XXXX. 7. ) How can this company be reporting that an account was opened in XX/XX/XXXX but be reporting activity that was a year prior to the account being opened. 8. ) If this company is reporting to XXXX that my date of last activity was 3 XX/XX/XXXX, then how is is that XXXX says my last activity was on XX/XX/XXXX when the account was supposedly open, and XXXX be reporting that my date of last activity was XX/XX/XXXX A YEAR BEFORE THE ACCOUNT WAS SUPPOSEDLY OPENED? Why are all of these dates so drastically different? This same company LVNV Funding is also reporting Inaccurate, incomplete, and unverified information on the account reported to have been opened on or about XX/XX/XXXX such as the following : 1. ) Company reports to XXXX a false payment history reporting that I made payments to them on XXXX through XXXX of XXXX. Then reports that I was 120 days late on XX/XX/XXXX and 120 days late on XXXX of XXXX. Then they go on to report that I paid them on XX/XX/XXXX. All of this is inaccurate, unverified, incomplete, and down right false. I have never paid them anything nor have we ever set up any type of payment arrangement. 2. ) Company reports that my payment status is 120 days late to XXXX. How can this be on a collection account? 3. ) LVNV Funding is reporting a past due on this same account. Why would there be a past due on a collection account especially on one that I have no payment arrangement with? 4. ) Company reports to XXXX that my last payment was XXXX XX/XX/XXXX BUT on a letter received from them on XXXX XX/XX/XXXX they state that the last payment was XXXX XX/XX/XXXX. Which on is it? they have also provided no proof or payment history for this. 5. ) This company is reporting a false and incomplete payment history to XXXX. Why would a collection company be reporting charge offs in my payment history? This company has reported charge offs on my credit report in the month of XXXX, XXXX, and XXXX of XXXX to XXXX. 6. ) LVNV Funding is also reporting to XXXX that my date of last activity on this account was XX/XX/XXXX. How can this company be reporting activity that was before the account was opened on XX/XX/XXXX? 7. ) LVNV Funding reports on this account to XXXX that the last activity on the account was XXXX XX/XX/XXXX. Then to XXXX they reported that the last activity was XXXX XXXX XXXX and Lastly to XXXX the date of last activity was reported as being on XXXX XX/XX/XXXX. Why are all these dates so drastically different and why isn't whatever this supposed activity reported to all of the bureaus the same?
Company Response:
State: TX
Zip: 78232
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have nor have I ever had an account with LVNV FUNDING LLC. I have repeatedly disputed this account. This account was removed and then reinserted into my report without notice.
Company Response:
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled this debt with XXXX XXXX XXXX for debt owed to XXXX XXXX. The debt was settled for {$400.00} on XX/XX/2021. XXXX XXXX XXXX verified that they owned the title to collect the debt. XXXX enlisted the help of XXXX XXXX XXXX to collect the debt knowing that the debt was sold. I received another debt collection letter from XXXX XXXX XXXX on XX/XX/2021 for collection of the XXXX XXXX debt. Ive sent my receipt of payment from XXXX XXXX XXXX and my release of liability to XXXX XXXX XXXX on XX/XX/2021. I just sent Resurgent Capital Services the same document on XX/XX/2021.
Company Response:
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The original creditor is XXXX XXXX XXXX, and the credit card was closed by the creditor due to fraudulent/suspicious activity. I reached out to the original creditor to go over my credit card account. However, the customer service representative who was based out of XXXX wanted me to send him copies of my checking account bank statement. I told him that I did not feel comfortable sending him copies of my bank statements, so the customer care representative based out of XXXX would not help. I disputed the original creditor on all three of my credit bureaus, and the account was removed from all three credit bureaus. This issue took place back in the Fall of 2019.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Dear Madam/Sir, CFPB : Please note that the debt collector keeps sending me letters since : XX/XX/XXXX XXXX and I did respond to all this letters, one letter at the time and before 30 days as per federal Laws. Collection agency wants to collect : XXXX, from an unknown credit card that its not mine and does not belongs to me. The last letter I received from the debt collector was on : XX/XX/XXXX. And I answered the letter on : XX/XX/XXXX. I requested one more time the fallowing legal documentation : 1 ) The Original Application when this unknown credit card was opened, with original signature on the application. 2 ) My Lawyers need original copies of all the Statement from the yearsXXXX, and XXXX, as per Federal Laws. 3 ) My lawyers requested copies of, ALL the purchases, charges, done from : XXXX to XXXX, of this unknown credit card. 4 ) As A client I need ALL the bills and/or receives of this unknown credit card. Also on, XX/XX/XXXX. My Lawyers send the debt collector an AFFIDAVIT. I Respectfully request ALL the above legal information. ITS THE LAW. Thank you for your anticipated courtesy and cooperation in this important matter. Respectfully yours : XXXX..
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING is claiming that I owe them {$720.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Company Response:
State: TX
Zip: 77320
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have been sending request for debt validation with no luck. They keep sending the same information that is connected to the original loan. I found out from an attorney that they filed a lawsuit against me to collect a debt and never notified me. They have my address.
Company Response:
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am receiving debt collection letters from Resurgent Capital Services L. P. trying to collect a debt that I do not owe. Someone used my information to open an account with XXXX XXXX, XXXX. XXXX XXXX has turned the account over to LVNV Funding LLC who in turn have apparently turned the information over to Resurgent Capital Services. I have written them and advised them that the debt is not mine but they refuse to take measures to remove the information from my credit report. I want the information removed from my credit report. It is adversely affecting my credit.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XXXX XXXX, 2017 and XXXX XXXX, 2017, LVNV FUNDING LLC added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. Please provide me with the following : Signature for those account debts at all. What the money you say I owe is for. Explain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay what you say I owe. Provide a verification or copy of any judgment if applicable. Identify the original creditor. Prove the Statute of Limitations has not expired on those accounts. Show me that you are licensed to collect in my state. Provide me with your license numbers and Registered Agent or Agent of Service.
Company Response:
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A credit card was taken out for XXXX that was closed out in 2019 with a balance of XXXX dollars. This is in collections with LVNV funding LLC. I have spoke with them on the phone and informed them that I wanted to report fraud and get this matter resolved so to remove this from my credit.
Company Response:
State: KY
Zip: 42303
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A