Date Received: 2021-01-28
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: On XX/XX/2019 and XX/XX/2019. LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and claim its mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Company Response:
State: TX
Zip: 75070
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: 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: XXXX!!!!!! I submitted a dispute to update them that I settled in full A collections against me & to update my credit report. My original outstanding loan was for {$12000.00} XXXX XXXX IT WAS SETTLED. Instead of correcting or Updating my info ... it now is stating on my credit Report I have a balance of {$120000.00} with a different creditor Sherman LLC????????? ..XXXX from XXXX refused to give me a file number. I am afraid of FRAUD AGAINST ME! Please help This is the third time I reached out to XXXX
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have emailed the CEO, XXXX XXXX yesterday and have attached my receipt from my probation office that the charge of {$420.00}, a charge that was on my XXXX XXXX Card/LVNV Funding LLC can be removed from my credit report that is in collections. That {$420.00} has been paid for through probation. That is in attempt to collect money from me. I have not received an answer yet but will like the collections removed, deleted, permanently!
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Ive sent this company so many letters and they refuse to respond. I simply asked for proof of debt and they wont respond.
Company Response:
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV FUNDING continuously updates the 'date of last activity ' to XXXX . They also report 3 completely different 'date of last activity ' to all 3 credit bureaus. I have disputed directly with LVNV and all 3 credit bureaus. The only responses I have received is " This account is verified ''. How can an account with 3 different DOLA be verified? This proves that there has never been an investigation of this account. The reporting of the 'Date of last activity ' is reported as is : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt does not belong to me. I never opened this account and have disputed this on my credit report and I have requested proof of this account being opened.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX ACCT # XXXX {$650.00} Date : XX/XX/XXXX Creditor : LVNVFUNDG ACCT # XXXX {$500.00}
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My complaint is against CACH , LLC. I won a judgment against them in court on XX/XX/2019. They were unable to substantiate their claims against me. XXXX and XXXX both removed CACH from my credit report. However, XXXX is still showing the debt. It is imperative that I get this removed.
Company Response:
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Filed dispute letter XX/XX/XXXX and XX/XX/XXXX for verification documentation and accuracy of this account and have not receive requested documents, per, Section 609. Spoke with collection agent from Resurgent Capital Services/LNVN and XXXX XXXX XXXX agents on XX/XX/XXXX and was verbally informed that I have no account with XXXX XXXX XXXX, and XXXX XXXX XXXX were not able to find my information with them nor provide any evidentiary documentation for accuracy and verification. I requested to have this information removed from credit report. And the customer service agent was very rude and disrespectful.
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received a copy of my credit report on XX/XX/20 By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report XXXX XXXXXXXX XXXX account XXXX, it is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ) ( a ) you must complete this investigation within 30 days.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A