Date Received: 2020-11-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent LVNV a letter to have the collection account removed but they continue to ignore me. Three years have passed, my credit score has remained BAD due to LVNV 's constant erroneous reporting of an account that IS NOT MINE but they and the credit reporting agencies ignore any attempts by me to have it removed. I'm at the point that I need CFPB 's help. They *will* listen to you. Today, as LVNV continues to report this collection account illegally, I'm in the position that I have to find another rental home. Due to LVNV 's illegal reporting, it's almost impossible. I need them to remove this collection account from my credit reports A.S.A.P.! Lvnv Funding Llc Opened XX/XX/2015 - {$160.00} Original creditor : XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. Balance {$160.00} Highest Balance {$160.00} Opened XX/XX/2015 ( 5 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have yet to receive any investigation results.
Company Response:
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: THIS COMPANY ON MY CREDIT REPORT ITS NOT MY ACCOUNT IT WAS DONE IN FRAUD. IVE TRIED TO CONTACT THEM, THEY HUNG UP THE PHONE ON ME. THEY COULDN'T VEIFY MY SSN OR ACCOUNT. THEY TOLD ME THEY WILL REMOVE THE ACCOUNTS FROM MY CREDIT REPORT. MY NEXT STEP IS TAKING THEM TO CIVIL COURT
Company Response:
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
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 have been trying to settle this debt with Cach for several months now ( from XX/XX/2020 to present ) and all I get is the run around from them. The debt is in the amount of {$2700.00}. There was a good offer of 50 % but I didn't take because I was short of funds. Then they asked for 70-80 %. WHY????. Do they just scam people and offer one thing then would you tell them you are short funds they ask for more money. If I can't afford it at 50 % what in the XXXX makes them think I can at 70-80 %. I'm offering a deal at 40 % which would be {$1000.00} and is more then fair. This is best and final!!
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV, LLC is in Violation of the Fair Federal Debt Collection Practice Act 15 USC 1692g, failure to comply with my request for " Validation of Debt. " not " Verification of Debt. " Failure to " Cease & Desist telephone calls. " Violations of the FCRA " 15 USC 1681. verification of debt by submitting a signed credit application verifying my signature.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I recieved a letter on appx XX/XX/XXXX from XXXX XXXX XXXX. It stated that on XXXX LVNV funding LLC has acquired my acct. It also stated it was from a debt collector but however at this time it isn't an attempt to collect a debt. I called them the same day and requested information on this debt. I also mailed a letter of dispute. I requested the acct information, signed contract from original creditor, all the acct statements from opening until closing of the acct. I didn't recall having this acct. I also asked for the signed and dated bill of sale notarized and the affidavit. I never received anything. On or around XX/XX/XXXX I received a phone call from XXXX XXXX XXXX. I disputed the debt and requested all the documents I requested from Resurgent and also told them I already disputed it with Resurgent and was waiting on the information I requested in the letter. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX. It stated I owed {$5800.00} and to call or pay online. It did have the 30day notice on it. I called them on XX/XX/XXXX and disputed it with them. I received on XX/XX/XXXX a packet from XXXX XXXX XXXX and in contained in lt the XXXX statements and nothing else. On XX/XX/XXXX I called XXXX XXXX XXXX and informed them that they didn't send all the documents I requested. On XX/XX/XXXX I sent XXXX the same letter I sent to the prior two company 's. I disputed the debt and requested the same item 's. On XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX requesting payment and to make arrangements. I called them the same day and explained to them I am disputing the debt and I have already sent letters to two other companies. I requested all the information again from the third company. On XX/XX/XXXX I mailed them the same letter as the other two companies. This was also listed on my credit report and is disputed and noted on my credit report. LVNV should have been notified by credit bureaus again. On XX/XX/XXXX I received a flyer in the mail from a credit repair company out of XXXX, Fl stating I was being sued and they could help. I immediately looked up XXXX county records were I live to see what it was. It was listed that XXXX XXXX XXXX XXXX has filed a small claims law suit against me for LVNV Funding LLC. I immediately called them and asked for information. I was told they sent a letter out several months ago and my 30 days were up and I can't do anything about it. Since I didn't reply it falidates the debt. I disagreed with them. I explained to them I never received any letter from them and I have been disputing this with 3 different companies all controlled by LVNV Funding LLC. I was still waiting for information from the last company I sent a letter to. They did send me some documents as requested but were all generic looking stuff. It looked like a 3rd grader made a spread sheet. I called them back and told them I am still disputing it and can I please get the proper documents already. We have a pretrial mediation coming up. I have called them back several times and explained to them I need the actual contract, the bill of sale and not one that looks like the name was copied. I requested the same as the other letters I sent out. I also let them know I will be sending a letter and requesting the same items and also proof that the even sent me a letter. I also let them know they filed and unjust suit against me with out proper evidence and violation of a disputed account. LVNV funding LLC is all over the placing being sued for on ethical practices, false evidence and many other items.
Company Response:
State: FL
Zip: 34653
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Past Due : {$2000.00} XXXX XXXX I sent a letter to LVNV asking for Debt Verification for Accounts : XXXX XXXX XXXX XXXX XXXX XXXX I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with LVNV XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed XXXX XXXX and they did not respond. XXXX XXXX who said they were representing LVNV said my Balance was {$500.00}. LVNV said to the Bureaus it was {$2000.00}. Neither, XXXX XXXX, LVNV LLC or XXXX XXXX or XXXX XXXX sent me a Debt Verification showing the Debt was mine. I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX and XXXX XXXX for the Original Creditor XXXX XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. So now XXXX XXXX failed to verify to the Credit Bureaus and the XXXX XXXX account was removed off my Credit Report Completely. But XXXX and XXXX XXXX are still allowing the Collection Agency LVNV LLC on my report even though they determined the XXXX XXXX the Original Credit was to be deleted. I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX and XXXX XXXX for LVNV XXXX XXXX and LVNV XXXX XXXX on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX removed the LVNV XXXX XXXX and LVNV XXXX XXXX. I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX and XXXX XXXX for the Original Creditor XXXX XXXX on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX removed XXXX XXXX LVNV LLC XXXX XXXX and XXXX XXXX have been removed and re added without me being notified in the proper Time frame. All these accounts were not verified by proper investigations. XXXX XXXX or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that LVNV is asking from me and the {$2000.00} LVNV is telling the Bureaus. More than one account collecting for same debt. Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.
Company Response:
State: IN
Zip: 465XX
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A