Date Received: 2021-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: SOMETIME IN XXXX OF XXXX AND XXXX OF XXXX THERE WAS TWO ACCOUNTS OPENED IN MYNAME WITHOUT MY CONSENT. I HAVE TRIED WORKING WITH THIS COMPANY DIRECTLY WITH NO RESPONSE. THE AMOUNTS ARE {$2200.00} AND {$400.00} DOLLARS. PLEASE ADDRESS THIS ISSUE AS SOON AS POSSIBLE ....
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: They keep sending text at XXXX XXXX and when I called to complain they said I had a credit card owed from 20 years ago.
Company Response:
State: CA
Zip: 94558
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : 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 this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX a kid named XXXX XXXX was at my house helping do yard work. The next month my " XXXX '' card was maxed out {$1200.00} I tried to get a ballance transfer of that card to XXXX XXXX and was denied because " XXXX '' reported it to credit agencies. There isnt much I can do, I live on SSI and have a very hard time speaking to people. A company bought my debt from creditone and in XX/XX/XXXX I recieve a letter from the courts saying I need to apear for a payment hearing. Meaning LVNV Funding LLC had already taken me to small claims court without any notification. Or proving that I owe them any money period. The person who spent the money on the credit card died in XXXX of a XXXX XXXX. So I don't know what course of action I need to take. LVNV Funding LLC used the courts to legitimize a debt to them. They have since hired another company to manage collecting this from me. Adding court fees on top of it.
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Lvnv funding LLC amount is XXXX date is opened XXXX XXXX,
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XX/XX/XXXX, I received notification from XXXX XXXX XXXX XXXX XXXX in attempt to collect a debt ( original creditor : XXXX XXXX XXXX XXXX. ) in the amount of {$1300.00}. I called XXXX XXXX XXXX to address this issue as well as to offer a settlement. I provided the Male Representative with a settlement offer in the amount of {$800.00} dollars, the Representative declined my offer and he stated that he would take {$990.00}. I told the Representative I do not have that much money and I would have to call back. On XX/XX/XXXX, I received legal communication from various attorneys ' office regarding a lawsuit being filed against me by LVNV Funding LLC ( collection agency ). I never received any telephone calls or notification about this matter. Nor did XXXX XXXX XXXX contact me in attempt to collect this debt. I would like to settle this debt in the amount of {$660.00} dollars. I will make a payment in this amount ( {$660.00} ) to close this account immediately. Thank you for your time and consideration. With gratitude, Debt Owner
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am trying to clean up my credit report from an injury i had in XXXX. I notice there is a creditor LVNV funding linked to a XXXX XXXX Credit card i have no memory of. I saw original debt was XXXX which is when me and my child 's mother split up. I originally disputed it stating it belonged to my ex. because i do not believe I ever received that card. She is still at same address as then. I just had forgotten about it. XXXX XXXX I sent them a letter asking for proof, a signature, anything with my agreement. They sent me back a court document from the county i live and it appears they got a judgement on me for the amount owed and its funny how it goes up by a random numb er at strange intervals. I was never supenia 'd - i was never advised of this court date or of this debt for that matter, whenever i call they are rude. After coming here It appears i am not the only one - LVNV has a history of scare tactics to get dirty money.
Company Response:
State: AZ
Zip: 85365
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A