Date Received: 2021-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX Bless On XX/XX/XXXX, I appeared via XXXX in court with Judge XXXX XXXX The XXXX meeting started at XXXX XXXX with Judge XXXX XXXX, XXXX XXXX XXXX attorney for XXXX XXXX Co XXXX XXXX XXXX, who showed their faces. There were two other people on the XXXX meeting that I was not aware of under the screen names, XXXX XXXX XXXX. *They did not show their faces and their microphones were muted. The Judge asked the attorney would she like to talk to me before proceeding, she stated yes and then he asked me, I stated, No. The asked if there is anything I would like to state, I advised that I believe the case should be dismissed due to the fact that I was improperly served, the person that lives there now was served where I do not reside and that after I found out and was actually served the woman did not indicate who she was or why I am being sued. The attorney stated that I did live there in XXXX when the account was created. I also stated due to reason number XXXX, due to the account numbers do not match from what the attorney has ending in XXXX vs what I have ending in XXXX. The attorney stated that account numbers changes all the time. I stated that I did not live at that address in over 3 years and that if the account numbers changed then I would have been notified. The judge asked if there is anything else. The attorney and myself stated, no. the judge ruled in the plaintiffs favor stated that I would need to pay for debt and court cost. the XXXX meeting ended at XXXX XXXX. ***The meeting ended so abruptly that I had to call up to the court to see in what favor the judge went with. The lady on the phone stated that I have XXXX days to appeal. I went up there to get the appeal in person the reps, XXXX stated that this is not a court of record and that the XXXX calls were not recorded nor do they have transcripts. Prior to this at the original trial the attorney had told me a judgement would be filed against me anyway and that he would file a continuance so I should negotiate a payment.I sent the court and the attorney a letter and the evidence stating I would like to enforce my rights based on the FCRA to be able to verify the debt especially since I was not notified of my account changing, I do not recognize the debt, and I stated at the prior trial I am disputing this debt. The court emailed me back saying they received it on XX/XX/XXXX as well as XX/XX/XXXX. The attorney received it on XX/XX/XXXX. To this day I have not received any paperwork or documents proving this debt is mine or that it was properly verified. I can not afford the appeal fees and need guidance and help from you to reverse this incorrect judgement decision.
Company Response:
State: TX
Zip: 76133
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX I am writing to inform you of a possible error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). Account Name : Lvnv Funding LLc
Company Response:
State: HI
Zip: 96707
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
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 with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
Company Response:
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
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 with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
Company Response:
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After reviewing my latest credit report i noticed there is a company trying to collect a debt i have no knowledge of i have never signed a contract with them in person nor electronically nor any of there affiliates ever.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I disputed the account with LVNV FUNDING XXXX several times and every time I make a dispute they go in and decrease my credit score by 23 points. The original creditors is XXXX XXXX. I think this is retaliation and predatory tactics to try and make me pay a debt that I do not owe to this. I would like for this company to be completely removed from my credit report. This is hurting my credit tremendously. Please help!
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. I HAVE TO DATE RECIEVED NO PROOF THAT I OWE SAID COMPANY ANY DEBT. ITS HAS NOW BEEN OVER 30DAYS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. INITIAL DISPUTE XX/XX/2020
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV FUNDING LLC XXXX XXXX XXXX WAS CONTACTED XX/XX/2020 BY EMAIL IN REGARDS TO A FRAUDULENT ACCOUNT THAT POPPED UP RECENTLY ON MY CREDIT FILES. I SPOKE TO THEIR REPRESENTATIVE NAMED XXXX XXXX AND STATED THIS ACCOUNT DOES NOT BELONG TO ME. XXXX STATED THEY COULD NOT LOCATE THE ACCOUNT SO PLEASE PROVIDE MORE INFORMATION. I SUBMITTED THE INFORMATION REQUESTED AND SCREENSHOTS OF THE ACCOUNT ON MY CREDIT FILES BY EMAIL. I SUBMITTED MY FTC REPORT TO LVNV FUNDING / XXXX XXXX XX/XX/2020 IN REGARDS TO THIS FRAUDULENT ACCOUNT BUT NO CALL OR EMAIL. I AM REQUESTING THIS TO BE REMOVED FROM MY CREDIT FILES AS IT IS AFFECTING ME AND MY FAMILIES LIFE.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Company Response:
State: TX
Zip: 79764
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I started recieving emails from LVNV Funding LLC about a past due XXXX bill. I am a current subscriber to XXXX XXXX for 3 properties, so this immediately brought XXXX to me,. After contacting XXXX XXXX, I was told I am paid up to date, I have no past due obligations to the company, and I am on an auto pay for all 3 accounts. I just recently received notice via mail from Resurgent Capital Services attempting to collect the same debt through XXXX XXXX, working with LVNV Funding LLC. As I looked at the bill, the final bill is from XX/XX/XXXX. Over 11 years in age. This is past the statute of limitations for the state of Michigan. I called the collector on XX/XX/XXXX and asked why are they attempting to collect a debt over the 6 year mark, and they said there is no limitation on trying to collect this debt, which is false.
Company Response:
State: MI
Zip: 48009
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A