Date Received: 2021-03-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have an open account in collections with LVNV funding ( original creditor is XXXX XXXX XXXX ) I have not opened an account with them and do not know where this has came from.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Good morning, I had 2 accounts in collection which I paid in full and was told that they would be removed and I would receive a letter stating they are at XXXX balance and would be removed. As of today I had yet received a letter or the accounts removed. XX/XX/21 paid {$470.00} to Resurgent XX/XX/21 paid {$390.00} to Resurgent
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In about XXXX of XXXX, I discovered an account from LVNV Funding LLC on my XXXX credit report. The account referenced an original creditor called XXXX XXXX XXXX, with whom I have never opened or had an account. I wrote directly to LVNV Funding LLC on XXXX XXXX, XXXX and on XX/XX/XXXX regarding this account. I informed them that the account was not mine and was fraudulent. I did not receive a response to either of my letters, which the United States Postal Service confirms was received by LVNV Funding LLC both times. I have also written several dispute letters directly to XXXX. To this day, LVNV Funding LLC is reporting this account on my XXXX credit report and refuses to remove this fraudulent account. LVNV Funding LLC also continues to report updates to my credit report regarding this account, even though any and all collection activity should have stopped after I sent them the first letter. Until they actually respond to any of my letters, all of this collection activity against me is illegal and violating the Fair Debt Collection Practices Act as well as some of my own state 's laws.
Company Response:
State: AR
Zip: 725XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ON XX/XX/XXXX RECEIVED LETTER FROM XXXX XXXX , XXXX ABOUT DEBT FROM LVNV FUNDING, LLC. RESPONDED WITH A DISPUTE LETTER TO VALIDATE DEBT, RECEIVED NO RESPONSE ON XX/XX/XXXX RECEIVED LETTER FROM RESURGENT CAPITAL SERVICES REPRESENTING LVNV FUNDING, LLC RESPONDED WITH A DISPUTE LETTER TO VALIDATE DEBT WITH MY SIGNATURE THAT I OWE. THEY DIDN'T VALIDATE DEBT. ON XX/XX/XXXX RECEIVED A LETTER FROM XXXX XXXX XXXX XXXX XXXX. REPRESENTING LVNV, RESPONDED WITH DISPUTE LETTER TO VALIDATED DEBT, RECEIVED NO RESPONSE. ON XX/XX/XXXX RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX STILL REPRESENTING LVNV. RESPONDED WITH A LETTER ASKING AGAIN TO VALIDATE DEBT. ALL OF THESE COMPANIES ARE AFFILIATED AND HAVE BEEN INVOLVED IN A CLASS ACTION SUITE IN THE STATE OF NEW JERSEY. THESES COMPANIES HAVE HARASSED ME IN A THREE MONTH TIME PERIOD.
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response:
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do not have a contract with XXXX XXXX XXXX XXXX for any services rendered. These clowns are adding things to my credit report that I would like removed immediately.
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, back in XX/XX/2020 and then XX/XX/2020 I requested a validation of debt for the accounts ending in XXXX and XXXX for XXXX and XXXX. I still have not received a response. Because you have failed to validate this debt, please remove it from the credit reporting agencies as it has been several months. Please see the attached email from XX/XX/2020.
Company Response:
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Company harrasing with calls, asked for info of what this is fraud
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX I was notified of a debt that was owed. My wages were garnished. It was not my debt. I was sent paperwork stating that I was having my wages garnished with a fictional judge from my county. I went to court as I was on a docket. Spoke with Judge who verified XXXX on paperwork is phony. Received court documents from Judge dismissing suite . XXXX and XXXX I was contacted again by the same company with the same debt. I never even obtained said debt. It is now on my credit as a lein?
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A