Date Received: 2021-01-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a charge account for {$300.00} and I only made one charge of {$150.00} and this company is committing fraud by putting it on my credit report for {$610.00}. Ive disputed this account before with credit bureaus and the company trying to rip me off and nothing has been done. Please get this removed and taken care of.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid XXXX off threw the collection agency and they will not update the pay off it I have even sent the credit buraus the receipt and they will still not update it i have proof
Company Response:
State: KY
Zip: 42141
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On multiple occasions I have had contact about this debt. Previous to this I mad all payments on time and in full until my purse was stolen. I called the original company years ago. I thought the issue was resolved until I found it on my credit report, I again stated my purse was stolen and I did tell the original creditor.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. LVNVFUNDG Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX Name and Address Wrong
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV Funding is trying to collect on a debt that is not mine! I recently received a letter stating that I had a collection for a XXXX XXXX account and it had an outstanding balance of {$1500.00}. This is absolutely ridiculous! I have never opened an account with XXXX XXXX so there is no way that this debt is mine. The debt clearly belongs to someone else and they need to figure out who because I should not be facing the consequences for someone else 's mistakes. This needs to be removed immediately from my credit and the debt should go to the correct person.
Company Response:
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under LVNV Funding. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Company Response:
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: As of XX/XX/XXXX, I was reported by LVNV FUNDING LLC. As a debtor of a fraudulent debt that was opened using my partial personal information, inXX/XX/XXXX I contacted them to try to resolve the situation and they told me that they would send me a package by mail which was sent XX/XX/XXXX and returned to They with a copy of my driver 's license, a copy of the police report and an affidavit, as verification of my identity, today, XX/XX/XXXX, I contacted them again by phone and they told me that they were going to reopen the case, sending me another package by mail so that I could send them the same documents because they had exaggerated it, I asked to speak with a supervisor and explain my situation, but she ignored and told me that she was not going to take any action until they received that package again. According to FTC. This practice is illegal since they have to report 100 % accurate information and have 30 days + 15 to resolve the dispute, until today it has been more than 70 days since this investigation began, which is twice the time required by law, therefore I require that they immediately remove that debt from the credit bureau and pay me {$1000.00} dollars per month after the 30 days mandatory by the FTC, as collateral damage.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have previously sent LVNV Funding and affiliates a request to validate this debt, for the following account number ( XXXX ) on XX/XX/XXXX and again on XX/XX/XXXX via certified mail. Under the Fair Debt Collections Practices Act ( FDPCA ), I have the right to request validation of the debt that you say I owe you per the FDPCA. I have given LVNV Funding 30 days to remedy this situation, which is not only a reasonable period but is also the maximum time request limit as indicated by the FDPCA/FRCA. I received an unsubstantiated response from LVNV Funding, which did not properly validate debt, although I did receive signed confirmation via certified mail from the United States Postal Service that my validation letters were received on XX/XX/XXXX and XX/XX/XXXX, however attempts to collect said debt are still being made by LVNV Funding without properly validating debt. Since LVNV Funding is still reporting this account on my credit profile, LVNV Funding is now in violation of the FDPCA and are subject to fines of {$1000.00}, which I may collect from LVNV Funding by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from LVNV Funding within 10 days. LVNV Funding should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present LVNV Funding with legal inconvenience with the FTC and other state and federal agencies.
Company Response:
State: NC
Zip: 27302
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a charge from XXXX on my credit report and Ive never applied for a XXXX credit card or used a XXXX credit card! This card was apparently opened in XX/XX/2018 and is somehow attached to my credit report! Ive disputed this account through the XX/XX/XXXX as well as through the company itself, to no avail! This is affecting my credit score and hindering my attempts to improve my credit score! I have no idea what to do next?!?! Please advise!!
Company Response:
State: UT
Zip: 84117
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have previously sent LVNV Funding and affiliates a request to validate this debt, for the following account number XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX via certified mail. Under the Fair Debt Collections Practices Act ( FDPCA ), I have the right to request validation of the debt that you say I owe you per the FDPCA. I have given LVNV Funding 30 days to remedy this situation, which is not only a reasonable period but is also the maximum time request limit as indicated by the FDPCA/FRCA. I have received no reply from LVNV Funding, although I did receive signed confirmation via certified mail from the United States Postal Service that my validation letters were received on XX/XX/XXXX and XX/XX/XXXX, however attempts to collect said debt are still being made by LVNV Funding without properly validating debt. Since LVNV Funding is still reporting this account on my credit profile, LVNV Funding is now in violation of the FDPCA and are subject to fines of {$1000.00}, which I may collect from LVNV Funding by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from LVNV Funding within 10 days. LVNV Funding should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present LVNV Funding with legal inconvenience with the FTC and other state and federal agencies.
Company Response:
State: NC
Zip: 27302
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A