Date Received: 2020-12-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.
Company Response:
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Upon looking at my credit report I spotted the following Inconsistencies and inaccurate and b/c I the FCRA I would like these negative items deleted from my credit report. Not my account was deleted now reappearing on XXXX and XXXX
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: My account has been placed with XXXX XXXX XXXX. here are the details : XXXX XXXX XXXX : Original Creditor : XXXX XXXX XXXX XXXX. Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Total Balance Due : {$1600.00} I had not spoken to XXXX at all until today XX/XX/2020. My mother called and said someone from XXXX called from XXXX on XX/XX/2020 and divulged information about the debt including phone numbers, amounts owed, and addresses. They said to my mother that she was a reference on the account, which she was not. I never listed her down anywhere on any account. I know they got the information from a skip trace report. I called XXXX today on XX/XX/2020 at XXXX EST and spoke to a CSR about this and said they would remove her number from the account. She ended up transferring me to a manager whose name I couldn't understand. The manager confirmed they did call and said in her notes that " they spoke to the debtor on XX/XX/2020 '' and said they had been sending statement after statement, which I have not received. I have only received an email from them on XX/XX/2020. When I confronted the manager about divulging the personal information about the account balance and creditor name, she said " That's how we run things here, and is out process and policy. '' I said no, per CFPB regulations, you can not divulge sensitive account information to anyone other than the debtor. She then said that they would have to go back and listen to phone calls to investigate. After trying to ask for more info on why this happened, she said they would list my account as " Cease Collections '' and hung up on me. I have also never gotten any communication from LVNV Funding.
Company Response:
State: GA
Zip: 30120
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2020 I sent a dispute letter to LVNV Funding, XXXX and XXXX credit bureau regarding a collection/charge-off that was opened in 2020. XXXX and XXXX is listed separately on my report with 5 inaccuracies. XXXX isn't reporting on this account at all. It is well over 30 days and there is still 5 inaccuracies listed on the account and it hasn't been updated or removed.
Company Response:
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Date : XX/XX/2017 Amount : {$390.00} Action Taken : When I disputed this account and it was removed on XXXX and XXXX, but LVNV Funding forgot to remove it from my XXXX.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX XXXX, 2020 I sent a second dispute letter to XXXX XXXX XXXX and XXXX credit bureau regarding a collection/charge-off that was opened in 2020. XXXX is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report the first time around. It is well over 30 days and the account still has hasn't been updated or removed.
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Since XX/XX/2020 I've written to LVNV Funding requesting debt validation on alleged account # XXXX, and have had no response and it is still being reported. Other requests were mailed on XXXX, XX/XX/XXXX, and XX/XX/XXXX. How could the matter be resolved when I have NEVER received debt validation from LVNV Funding or debt verification from the bureaus? So it is so just because LVNV Funding says it's so? I thought the whole purpose of the law was for them to provide proof within 30 days. It's been almost 6 months. Why hasn't this company sent to me whatever information they are sending to the credit bureaus that the account is " verified as accurate and updated ''? I don't believe the debt can be validated. I don't believe the bureaus did an investigation because when I asked how was it verified the bureau 's response was to contact the creditor. I did that and they didn't answer.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Its more more than 30 days into the investigational and I still haven't gotten a response regarding debt validation. I sent a debt verification letter to lvnv funding for 2 accounts for XXXX and XXXX dollars. I sent disputes letter to lvnv and the 3 bureas over 30 days ago and still haven't gotten a response.
Company Response:
State: IN
Zip: 46202
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Lvnv opened a collections account on my credit reports in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( XXXX dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Lvnv has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Lvnv. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Company Response:
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX, {$1000.00}, XXXX, XXXX XXXX has sold Lvnv Funding a debt that effected my credit score. I contacted XXXX XXXX and they will not release any itemized statement or fine print to established this debt nor LVNV Funding.3 and half years, I disputed the debt was not mine and asked for it to be removed and deleted off my credit history. Now they are moving this account through all 3 Credit Bureaus which is hurting my credit score and costed me lot of wasted time. I sent police report of identity theft to all parties involved.
Company Response:
State: MO
Zip: 64055
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A