Date Received: 2021-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Company Response:
State: FL
Zip: 34972
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I paid XXXX XXXX to dispute my negative items on my credit. XXXX gave me advice to report the last two negative items as fraudulent. I took every step with XXXX. They said this is the final step in order for those two negative items to be removed from my credit.
Company Response:
State: CA
Zip: 93662
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed dispute a dispute in regards to excessive incorrect information that is being reported on my credit report. It has been well over 30 days and I have not received any investigation results nor any of the evidence/proof documents that I requested from the reporting agency.
Company Response:
State: TX
Zip: 78232
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE NEVER DID BUSINESS WITH LVNV FUNING LLC THIS FRAUD
Company Response:
State: MO
Zip: 63137
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I requested that XXXX XXXX XXXX send me a copy that I owe them {$430.00} dollars. That I took out a credit card with them they said they dont have to verify the debt owed.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. I am exercising my right to request validation on any debt that is alleged to me. In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Company Response:
State: AR
Zip: 72758
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I was loan {$8000.00} from XXXX XXXX and was paying them {$370.00} a month for more than a year, I got sick and had to have XXXX XXXX. they sold my loan to ( LVNV FUNDING LLC ) for the amount of {$8100.00}. What I had them all that time could not have been all interest payment.I like to know what happen to the money I paid XXXX.And why did they sell more than was borrowed. What happen to the Money that was paid.
Company Response:
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Company has sought civil action but they seem to not respond when I try contacting them about the issue.
Company Response:
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Im writing this complaint against LVNV Funding. This account with XXXX XXXX has been satisfied and deleted from all credit reports. However, this collection agency refused to remove account. Ive attached a copy of my XXXX report that shows deletion and account satisfied. However, LVNV continues to report please help.
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A